Ameris Bank

Financial Crime

• Perform assessments of alerted customer activity generated from transaction monitoring software
• Ensure timely identification and escalate unusual activity
• Analyze customer activity to make independent judgements of whether the activity is unusual and requires escalation
• Draft reports and documenting analysis in a logical manner that sufficiently supports decisions
• Work with front line staff to obtain any information that would be helpful during the alert assessment and analysis
• Apply critical thinking skills to recognize patterns, trends and inconsistencies within transactional and customer data to detect, prevent, mitigate and report potentially suspicious activity
• Understand complex issues and customer risks associated with money laundering, terrorist financing, financial crimes or other legal and reputational risks
• Stay current with money laundering and terrorist financing behaviors, trends, patterns and typologies
• Stay current with rules, laws and regulations
• Maintain attention to detail

Financial Crimes Alert Analyst

Full-stack Engineer

• Responsible for organizing, modifying, and supporting nCino
• Configures the UI, Routes, Approval Processes, and feature access
• Coordinates the installation of release and feature packages with our nCino support rep
• Designs, modifies, and implements reports, dashboards, and other items as needed
• Ability to write code for moderate enhancements or to correct defects
• Works directly with end-users to coach and teach how to best use and utilize systems
• Supports other technology initiatives as needed and completes documentation that supports the functionality being developed
• Performs other projects and duties as assigned
• Manages the installation of nCino feature and release packages and configures settings to meet business requirements for Loan Origination
• Enhances operational efficiency of loan systems by reviewing processes and determining process improvements through nCino
• Develops the integration of other external business apps with nCino including core banking systems and financial apps
• Assists with maintaining, installing, and deploying system component upgrades as needed
• Creates, implements, and maintains dashboards, workflows, system setup, and access as needed to support nCino
• Ensures design of system allows all components to work properly together
• Ability to write code: Triggers, Apex, JavaScript, code snippets & correct code defects
• Troubleshoots problems reported by users
• Makes recommendations for future upgrades
• Assists IT with maintaining system security and availability to specific users
• Analyzes and isolates issues
• Evaluates and modifies system performance
• Identifies end user needs and areas of opportunity for efficiencies and optimization
• Maintains integrity of the system
• Evaluates and implements new technology and system improvements as needed
• Ensures the proper implementation and integration of secure mobile solutions as these technologies mature and are available
• Creates and monitors support cases with vendors supporting lines of business
• Partners appropriately with other IT departments to address any needs

Senior nCino Engineer

Business Development Rep

• Originate compliant loans and perform the various related activities, including cold calling prospective borrowers, establishing relationships with referral sources, and participating in events.
• Responsible for achievement of goals as set by the bank’s leadership.
• Demonstrate effective sales strategies and techniques to attract, expand, and retain customer relationships.
• Educate prospective borrowers/referral sources regarding the bank’s loan programs.
• Evaluate the creditworthiness of potential borrowers.
• Responsible for loan structuring, eligibility, financial analysis, and the preparation of the credit package.
• Manage client expectations and provide guidance regarding the flow of the GGL loan process.
• Serve as the client’s primary point of contact from application to closing.
• Assist Underwriting, as needed, in the due diligence process.
• Maintain knowledge of banking products, programs, services, and promotions.
• Ensure compliance with internal controls, operational procedures, and risk management policies.
• Develop partnerships and collaborate with other lines of business to achieve mutual goals and better serve customers.
• Practices ethical sales behaviors in accordance with Ameris’ core values of Integrity and Honesty; always acts in the best interest of the customer when offering additional products and services.

Business Development Officer, Government Guaranteed Lending

Banker

• Responsible for the financial growth of the banking center through establishing, expanding, and retaining high-value consumer and business client relationships
• Proactively communicate with current and prospective clients to educate, ensure understanding, resolve issues, develop, and maintain customer loyalty and solicit customer feedback to improve bank performance
• Apply need-based sales techniques and conduct customer financial profiles to attract, expand, and retain client relationships by identifying products and services
• Open new accounts and service existing accounts
• Accountable for achievement of defined sales and service goals
• Conduct onboarding activities for new clients
• Provide backup support to other branches and employees as needed
• Work on the teller line when needed including operating the teller drawer and performing advanced, specialized teller functions including researching cash discrepancies, and handling complex customer transactions
• Perform accurate transactions, balance each day, and verify cash totals
• Provide assistance and training to other colleagues and serves as a mentor

Universal Banker – Travel

• Perform full case investigations of customer activity escalated from alert assessments
• Ensure timely identification and filing of suspicious activity
• Analyze customer activity to make independent judgements of whether the activity is suspicious and requires reporting to the federal government
• Draft reports and document analysis in a logical manner that sufficiently supports decisions
• Working with front line staff to obtain any information that would be helpful during the alert assessment and analysis
• Apply critical thinking skills to recognize patterns, trends and inconsistencies within transactional and customer data to detect, prevent, mitigate and report potentially suspicious activity
• Understand complex issues and customer risks associated with money laundering, terrorist financing, financial crimes or other legal and reputational risks
• Draft suspicious activity reports to be transmitted to the federal government
• Stay current with money laundering and terrorist financing behaviors, trends, patterns and typologies
• Stay current with rules, laws and regulations
• Maintain attention to detail

Financial Crimes Case Investigations Analyst

Compliance

• Assist the Compliance Advisory Manager or other leader as appropriate in ensuring an effective compliance management system.
• Ensure adequate policies and written 1st and 2nd line of defense procedures are in place for compliance with all related regulations for areas assigned.
• Consult with business and operations units on compliance matters as well as compliance risk assessments.
• Provide compliance guidance in product or operational change initiatives.
• Review and approve advertising marketing material.
• Review and monitor findings while consulting with line of business on corrective action.
• Track issues and corrective action in AuditBoard.
• Conduct deep-dive compliance reviews and prepare management reports on findings.
• Evaluate regulatory changes for business impacts.
• Provide leadership, coaching, and/or mentoring to more junior staff.
• Assist internal audits and examinations and corrective action as applicable.
• Prepare reports for management and Enterprise Risk Committees on compliance performance, emerging compliance risks and corrective action measures.
• Participate in Compliance, Risk and other management committees as needed.

Loan Compliance Officer

• Responsible for sales efforts to originate and close mortgage loans
• Maintain an active Ameris Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements
• Establish and maintain all client relationships with realtors, builders, developers, branches and other referral agents on an ongoing basis
• Contact in person or by phone potential or existing customers to develop new business or retain existing business
• Counsel customers on all products the customer is eligible to obtain ensuring the product chosen best fits their financial needs without steering a customer to any particular product
• Assist customers with completing the loan application, provide/explain required initial documentation and disclosures according to the required timelines, and submit loan applications within required timelines
• Oversee loan process by monitoring loan status and ensuring conformity with terms
• Communicate to loan processors regarding coordination of workflow and files in process and assist in collecting additional documents and communicating loan status to all parties in a timely manner
• Adhere to established minimum fees and product pricing structure
• Network through industry related functions, professional, business and community organizations and activities to promote and market loan products on a monthly basis
• Attend all purchase loan closing transactions on behalf of Ameris Bank Mortgage as required
• Communicate with branch manager on a regular basis to update them on sales call efforts
• Meet regularly with loan processor to review pipeline report for accuracy and status
• Work with branch managers and other sales personnel to support bank cross-selling opportunities and other initiatives
• Keep informed on all Ameris Bank Mortgage loan programs and adhere to all regulatory and compliance requirements
• Meet and exceed the minimum production standards as detailed in the compensation agreement
• Attend all required meetings
• Complete all required training
• Adhere to work schedule as designated by manager
• Practices ethical sales behaviors in accordance with Ameris' core values of Integrity and Honesty; always acts in the best interest of the customer when offering additional products and services

Mortgage Banker – Outside Sales

• Responsible for sales efforts to originate and close mortgage loans.
• Maintain an active Ameris Bank sponsored Nationwide Mortgage Licensing System and Registry (NMLS) number in compliance with the federal S.A.F.E Act requirements.
• Establish and maintain all client relationships with realtors, builders, developers, branches and other referral agents on an ongoing basis.
• Contact in person or by phone potential or existing customers to develop new business or retain existing business.
• Counsel customers on all products the customer is eligible to obtain ensuring the product chosen best fits their financial needs.
• Assist customers with completing the loan application, provide/explain required initial documentation and disclosures according to the required timelines.
• Oversee loan process by monitoring loan status and ensuring conformity with terms.
• Communicate to loan processors regarding coordination of workflow and files in process.
• Adhere to established minimum fees and product pricing structure.
• Attend all purchase loan closing transactions on behalf of Ameris Bank Mortgage as required.
• Keep informed on all Ameris Bank Mortgage loan programs and adhere to all regulatory and compliance requirements.
• Meet and exceed the minimum production standards as detailed in the compensation agreement.

General

• Responsible for serving as a consultant to customers by conducting customer financial profiles, identifying customer needs, cross-selling, and up-selling opportunities
• Proactively communicate with current and prospective clients to educate, ensure understanding, resolve issues, develop, and maintain customer loyalty and solicit customer feedback to improve bank performance
• Apply need-based sales techniques and conduct customer financial profiles to attract, expand, and retain client relationships by identifying products and services
• Maintain a working knowledge of banking products and promotions
• Open new accounts and service existing accounts
• Accountable for achievement of defined sales and service goals
• Make recommendations to supervisors concerning the budgetary needs of the branch and methods to improve the client’s experience
• Work to understand the root causes of customer service issues
• Identify and implement resolutions for service issues involving supervisors on more complex issues
• Conduct onboarding activities for new clients
• Provide backup support to other branches and employees as needed
• Work on the teller line when needed including operating the teller drawer and performing advanced, specialized teller functions including researching cash discrepancies, and handling complex customer transactions
• Perform accurate transactions, balance each day, and verify cash totals
• Scan daily proof work to the remote capture machine
• Provide assistance and training to other colleagues and serves as a mentor
• Practice ethical sales behaviors in accordance with the Bank’s Core Values of Integrity and Honesty

Universal Banker

Financial Planning and Analysis

• Developing and managing sales and relationship management for this channel
• Managing existing relationships with the specific goal of solidifying and growing profitable relationships
• Developing and executing the growth strategy of the business channel
• Setting and managing strategies to optimize resources, enhance market presence, and drive high performance
• Managing marketing strategy for the channel in concert with marketing and leadership team
• Creating and developing programs for channel and ensuring its implementation
• Developing metrics for third party, MGA and carrier programs, and ensuring the successful achievement sales goals
• Maintaining sales management and reporting tools to achieve business objectives
• Developing effective sales strategy and ensuring its timely implementation
• Traveling throughout the country to assess performance, resolve problems, communicate directives, and drive engagement with business partners and sales employees
• Formulating and implementing policies, sales management procedures and processes
• Managing client relationships and working with sales reps and account executives
• Keeping current with demand and supply of company’s services, changing trends and its competitors
• Developing creative sales technique and tactics to meet business goals
• Developing sales presentations and RFP’s for clients
• Recruiting and training sales employees for effective delivery
• Participating in market strategy building by providing useful information from sales activities
• Working with Director of Operations and technology team to ensure infrastructure and procedures evolve to support channel growth, and provide solutions required by third party and program partners
• Managing budgets, reviews and approving expenditures
• Maintaining working knowledge of bank policies and procedures

Financial Crimes Alert Analyst

Senior nCino Engineer

Business Development Officer, Government Guaranteed Lending

Universal Banker – Travel

Financial Crimes Case Investigations Analyst

Loan Compliance Officer

Mortgage Banker – Outside Sales

Mortgage Banker – Outside Sales

Universal Banker

Premium Finance Manager – MGA and Carrier Programs