About the Role:

The Manager, Advanced Financial Crimes Investigations (AFCI) leads the review, investigation, and resolution of complex, high‑risk financial crime matters that exceed standard alert and case workflows. This role is responsible for managing escalations involving sophisticated typologies, multi‑account and multi‑product activity, repeat SAR subjects, examiner‑referred matters, and issues requiring heightened investigative judgment. This role directly manages a team of investigators, providing day‑to‑day leadership, performance management, workload assignment, quality oversight, and professional development to ensure consistent, regulator‑ready investigative outcomes.

The AFCI Manager serves as a subject‑matter expert and escalation point, providing second‑level investigative support, ensuring high‑quality, regulator‑ready outcomes, and strengthening investigative consistency across product‑aligned teams.

What You Will Do:

Investigation & Escalation Management

• Own and manage complex investigative escalations, including:
• Multi‑account and multi‑entity investigations
• Layering and structuring typologies
• Repeat SAR subjects and continuing activity matters
• Examiner‑, audit‑, or enforcement‑referred cases
• Serve as the central escalation point for urgent or high‑severity matters requiring senior leadership awareness or immediate action.
• Ensure appropriate identification of subjects, activity scope, and risk exposure across cases.

People Leadership & Team Management

• Own hiring and staffing for the AFCI team (requisitions, interviews, selection) in partnership with People & Culture.
• Set performance expectations, assign work, and manage capacity/coverage for escalations.
• Conduct 1:1s, performance reviews, coaching, and development plans; address performance issues with timely documentation and escalation as needed.
• Build team capability through onboarding, ongoing coaching, and targeted training on typologies, investigative methods, and narrative quality.
• Establish and monitor quality standards; ensure staff follow procedures and documentation requirements.
• Promote a strong control culture and accountability consistent with regulatory expectations.

Investigative Oversight & Quality

• Review and challenge investigative analyses, conclusions, and SAR determinations to ensure they are sound, defensible, and well‑documented.
• Ensure SAR narratives and decisioning meet regulatory expectations and withstand examiner, audit, and law enforcement scrutiny.
• Partner with QA and Governance teams to identify systemic issues, trends, or control gaps emerging from complex investigations.

Coaching & Expertise

• Provide investigative support and coaching to product‑aligned SAM, Fraud, and Sanctions teams.
• Serve as a subject‑matter expert on advanced typologies, investigative techniques, and analyst judgment.
• Support skill development through case feedback, targeted coaching, and participation in training initiatives.

Cross‑Functional Collaboration

• Partner closely with:
• Sanctions Operations on cross‑domain matters (AML, sanctions, fraud intersections)
• Fraud Operations on escalated fraud‑driven SAR matters
• Compliance Advisory and Legal on sensitive, high‑risk issues
• Support responses to regulatory inquiries, exams, and enforcement‑related follow‑ups as needed.

What You Will Need:

• Bachelor’s degree required (Finance, Criminal Justice, Accounting, Business, or related field)
• CAMS or equivalent AML certification strongly preferred
• Advanced certifications (e.g., CFE) a plus
• 7+ years of experience in BSA/AML investigations and SAR decisioning
• 2+ years of direct people management experience, including coaching, performance management, and talent development
• Proven experience handling complex, high‑risk financial crime typologies
• Demonstrated success defending investigative decisions in audit, exam, or regulatory settings
• Experience working across AML, fraud, and sanctions domains preferred
• Prior experience providing oversight, escalation support, or informal leadership strongly preferred
• Excellent communication and writing skills, including the ability to develop and deliver presentations to Board and C-suite audiences.
• Sound judgment and decision-making skills , particularly in ambiguous or time-sensitive situations.
• Collaborative approach with proven ability to build partnerships across functions and influence outcomes without direct authority.

Competencies

• Technical & Analytical
  • Deep knowledge of AML/SAR regulatory requirements and expectations
  • Advanced investigative analysis and risk assessment skills
  • Ability to connect patterns across products, customers, and timeframes
  • Strong narrative writing and documentation discipline
• Judgment & Decision‑Making
  • Ability to apply sound judgment in ambiguous or high‑risk situations
  • Comfortable making and defending difficult determinations
  • Understands regulatory risk, reputational risk, and operational impact
• Leadership & Influence
  • Credible escalation authority and presence
  • Ability to coach investigators and elevate standards without formal reporting lines
  • Clear, concise communication with leadership, partners, and regulators
• Organizational & Execution
  • Strong prioritization and time management in high‑pressure environments
  • Ability to balance urgency with thoroughness and quality
  • Detail‑oriented with a strong audit and examiner readiness mindset
• People Leadership
  • Talent selection and team building
  • Coaching and feedback; performance management
  • Delegation and workload planning
  • Culture building and accountability
• Operational Leadership
  • Ability to set priorities across competing escalations
  • Decision quality under pressure
  • Stakeholder management and escalation communication

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $72,000 – $120,000

 
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote

About the Role:

The Manager, Monitoring Coverage & Analytics is responsible for assessing and strengthening the effectiveness of Pathward’s Suspicious Activity Monitoring (SAM) program across products, customers, and delivery channels. This role leads coverage assessments, partners closely with Data Analytics and Technology teams on rule tuning and scenario optimization, and ensures transaction monitoring remains risk‑based, defensible, and aligned with regulatory expectations.

The role serves as a key connective function between operations, analytics, and governance, translating risk and investigative insights into sustainable monitoring improvements and clear documentation suitable for regulatory review.

Scope of Responsibility

This role:

• Owns ongoing monitoring coverage assessments and related documentation
• Partners with Data Analytics, Technology, and SAM Operations to optimize rules and scenarios
• Supports governance, validation readiness, and exam responses related to monitoring effectiveness
• Does not directly manage alert production queues but supports operational teams through analytical and risk coverage expertise

What You Will Do:

Monitoring Coverage & Risk Assessment

• Lead periodic and ad‑hoc coverage assessments of transaction monitoring rules and scenarios across products (BaaS, payments, cards, tax, deposits, etc.).
• Assess alignment between:
• Identified financial crime risks and typologies
• Existing rules, scenarios, and thresholds
• Alert volumes, false positives, and investigative outcomes
• Document coverage rationale, gaps, and recommendations in a regulator‑ready format.

Rule Tuning & Analytics Partnership

• Partner with Data Analytics and Technology to:
• Support rule tuning initiatives, threshold adjustments, and scenario enhancements
• Evaluate alert quality, false positive drivers, and risk signal effectiveness
• Help translate investigative feedback, SAR trends, and QA results into actionable tuning opportunities.
• Ensure changes are risk‑based, well‑documented, tested, and appropriately governed.

Metrics, Trends & Root Cause Analysis

• Analyze monitoring metrics, including:
• Alert volumes and mix
• Conversion rates (alert → case → SAR)
• Emerging typologies and recurring issues
• Perform root cause analysis on material trends, coverage gaps, or operational issues.
• Elevate risks and observations requiring management attention.

Governance & Regulatory Readiness

• Support exam, audit, and validation efforts related to monitoring coverage and effectiveness.
• Maintain documentation supporting:
• Rule purpose and risk linkage
• Coverage decisions
• Tuning rationale and outcomes
• Contribute to responses to regulatory inquiries related to transaction monitoring design and effectiveness.

Collaboration & Advisory Support

• Serve as a subject matter resource to SAM Operations, Program Management, and Assurance.
• Participate in new product, partner, or change initiatives to assess monitoring coverage implications.
• Support updates to standards, procedures, and training related to monitoring effectiveness.

What You Will Need:

• Bachelor’s degree required; CAMS or similar certification preferred.
• 5+ years of experience in BSA/AML, transaction monitoring, financial crimes analytics, or risk management.
• Strong understanding of transaction monitoring concepts, typologies, and regulatory expectations.
• Experience working with monitoring systems (e.g., Actimize, FCRM) and analytics/data teams.
• Demonstrated ability to translate data into clear risk narratives and written documentation.
• Strong organizational, analytical, and communication skills.

Measures of Success

• Clear, defensible monitoring coverage aligned to risk assessments
• Documented and governed tuning activity that improves alert quality
• Strong partnership with Analytics, Technology, and Operations
• Positive examiner and audit feedback on monitoring effectiveness

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $72,000 – $120,000

 
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote

About the Role:

The EDD Analyst will be responsible for performing customer due diligence (CDD)/enhanced due diligence (EDD) reviews on the Bank’s higher-risk customers across all business lines spanning retail banking, commercial lending, prepaid/issuing programs, and Banking-as-a Service (BaaS) partnerships. This role supports efforts to ensure higher risk customer relationships are thoroughly and timely assessed, appropriately documented, and continuously monitored in accordance with BSA/AML regulatory requirements and the Bank’s risk appetite.

What You Will Do:

• Complete EDD reviews for assigned periodic and event driven alerts within a designated timeframe in accordance with established procedures
• Conduct open-source data searches using multiple resources to gather and analyze necessary information about the customer, business partners, owners, controllers, and other connected parties as appropriate
• Analyze transactional data within a given timeframe and identify any potential red flags or inconsistencies
• Organize and synthesize information compiled into a clear evaluation and recommended actions
• Prepare detailed and succinct customer narratives that can be clearly understood by an independent tester, auditor, or regulator
• Escalate identified financial crimes red flags and unusual activity using sound judgement
• Provide support for ad-hoc projects as assigned

What You Will Need:

• Bachelor’s degree required
• Two to three years’ experience in BSA/AML compliance within the financial services industry, with direct experience conducting EDD reviews on high-risk customers
• Experience compiling data, analyzing, and explaining complex ownership structures
• Understanding of financial crimes risks and red flag indicators, with the ability to use knowledge to assess customer risk effectively
• Organizational and time management skills to appropriately prioritize workload and meet time-sensitive deadlines
• Ability and willingness to work independently and in a team environment are required
• Critical thinking and problem-solving skills are a must
• Excellent organizational and communications skills (verbal and written)
• Ability to perform tasks under pressure and in fast-paced environment
• Ability to adapt to a dynamic and continuously changing environment
• Soft skills to foster and maintain effective and positive working relationships with colleagues and business partners

Referred Qualifications

• Professional certification such as CAMS, CFCS, CFE, or similar
• Experience performing EDD in one or more of the following areas: BaaS/fintech partnerships, prepaid/issuing, commercial customers, MSBs, or other higher-risk products/industries
• Experience supporting SAR investigations and/or providing well-developed escalation summaries for investigations teams
• Experience with Actimize or comparable financial crimes case management/transaction monitoring tools
• Experience participating in audit/exam readiness activities (e.g., evidence gathering, responding to requests, addressing findings) within a regulated financial

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $17.25 hourly – $28 hourly

 
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote

About the Role:

The Manager, BSA/AML and Sanctions Governance & Program Enablement is responsible for maintaining and strengthening the foundational elements of Pathward’s BSA/AML and Sanctions program, including governance, policies and procedures, training enablement, and audit and regulatory exam preparedness. This role ensures program standards are current, consistently implemented, and supported by clear documentation, effective training, and coordinated issue management.

The role serves as a central point of coordination across Operations, Compliance, Learning & Development, Risk, and Assurance to support a sustainable, examiner‑ready BSA/AML and Sanctions program.

Scope of Responsibility

This role:

• Owns the lifecycle management of BSA/AML operational policies, procedures, and standards
• Coordinates BSA/AML training content, deployment, and documentation
• Manages audit, validation, and regulatory exam coordination and response tracking
• Provides governance oversight but does not directly manage alert or investigation production queues

What You Will Do:

BSA/AML Governance & Documentation

• Own and manage the policy and procedure lifecycle for BSA/AML Operations, including:
• Drafting, updates, validations, approvals, and document control
• Ensure procedures reflect current operating practices, regulatory guidance, and risk posture.
• Partner with Operations and Program Management to translate regulatory or audit feedback into clear, practical standards.
• Maintain version control, review cadence, and evidence of adoption.

Training & Enablement

• Partner with Learning & Development (L&D) to support:
• Development and maintenance of BSA/AML training content
• Assignment of training to appropriate audiences (new hire, annual, role‑specific)
• Knowledge checks, attestations, and completion tracking
• Ensure training aligns to updated procedures, program standards, and regulatory expectations.
• Support documentation and evidence required for examiner and audit review of training effectiveness.

Audit, Validation & Exam Management

• Serve as a central coordination point for:
• Internal audit and independent testing requests
• Regulatory exams and supervisory reviews
• Validation and assurance activities related to BSA/AML Operations
• Track requests, due dates, owners, and responses to ensure timely and complete delivery.
• Review materials for consistency, accuracy, and defensibility prior to submission.
• Support management responses, issue tracking, and remediation documentation.

Issue Management & Continuous Improvement

• Coordinate responses to audit findings, exam issues, and validation observations.
• Track remediation actions and support documentation of completion.
• Identify themes and recurring issues to inform program improvements.
• Support governance forums and management reporting where applicable.

Cross‑Functional Collaboration

• Partner closely with:
• BSA/AML Operations and Investigations
• Program Management and Data Analytics
• Risk Management, Compliance, and Assurance
• Support change initiatives that impact procedures, training, or governance artifacts.

What You Will Need:

• Bachelor’s degree required; CAMS or similar certification preferred.
• 5+ years of experience in BSA/AML, compliance operations, risk governance, or regulatory management.
• Strong experience with policy/procedure development and exam or audit management.
• Demonstrated ability to write and maintain clear, regulator‑ready documentation.
• Strong organizational, project management, and stakeholder coordination skills.
• Ability to translate regulatory requirements into operationally practical standards.

Measures of Success

• Up‑to‑date, validated policies and procedures aligned to operations
• Timely, well‑organized audit and exam responses with minimal rework
• Training that is current, role‑appropriate, and properly documented
• Reduced repeat findings and improved examiner feedback on governance

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $72,000 – $120,000

 
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote

About the Role:

The Financial Crimes Quality Assurance (QA) Manager is responsible for overseeing and executing a quality assurance program focused on Second Line of Defense (2LoD) Financial Crimes activities, including oversight, review, challenge, and governance functions across BSA/AML, Sanctions, and Fraud.

This role ensures that 2LoD processes—such as alert oversight, customer risk rating governance, policy interpretation, and escalation decisions—are performed with consistency, accuracy, and in alignment with regulatory expectations and internal standards. The Manager will assess the effectiveness of 2LoD outputs, provide credible challenge within Compliance, and deliver insights to strengthen oversight and risk management practices.

What You Will Do:

Quality Assurance Oversight

• Design and execute a risk-based QA program covering key 2LoD Financial Crimes activities, including:
• Oversight and challenge of Transaction Monitoring (TM) alerts and dispositions
• Review and challenge of Suspicious Activity Report (SAR) escalation decisions
• Customer Risk Rating (CRR) methodology application and governance outputs
• Oversight of Customer Due Diligence (CDD) / Enhanced Due Diligence (EDD) reviews
• Sanctions advisory, escalation, and disposition decisions
• Assess whether 2LoD outputs demonstrate:
• Effective challenge and appropriate escalation
• Consistent interpretation of policies and regulatory expectations
• Adequate documentation, rationale, and audit trail

QA Review Execution

• Perform detailed QA reviews of 2LoD casework, memos, and decisions to evaluate:
• Accuracy and completeness
• Appropriateness of risk-based judgments
• Alignment with internal standards and regulatory expectations
• Evaluate the quality of 2LoD oversight, including whether issues are appropriately identified, escalated, and resolved
• Identify inconsistencies in decision-making and gaps in challenge or governance

Thematic & Horizontal Reviews

• Conduct horizontal reviews across 2LoD outputs to identify:
• Systemic weaknesses in oversight practices
• Trends in ineffective challenge or missed escalation opportunities
• Inconsistencies in policy interpretation
• Develop insights into emerging risks and control blind spots within 2LoD

Framework & Methodology Development

• Develop and maintain QA methodologies specific to 2LoD activities, including:
• Test scripts tailored to oversight and challenge functions
• Defect taxonomy focused on governance, escalation, and decision quality
• Scoring frameworks to assess effectiveness of 2LoD outputs
• Define sampling strategies based on risk, complexity, and materiality of 2LoD decisions
• Ensure clear differentiation between 1LoD execution errors and 2LoD oversight deficiencies

Issue Management & Reporting

• Document QA findings with clear articulation of:
• Gaps in 2LoD oversight, challenge, or governance
• Root cause and impact on risk management effectiveness
• Assign severity ratings based on risk exposure and regulatory implications
• Produce management reporting and dashboards highlighting:
• QA results and trends
• Thematic issues and repeat findings
• Opportunities for strengthening 2LoD practices
• Track and validate remediation of identified issues within Compliance

Stakeholder Engagement & Credible Challenge

• Provide independent challenge within the 2LoD function, ensuring high standards of oversight and accountability
• Partner with:
• 2LoD Financial Crimes leadership
• Model Risk Management (for CRR and TM models)
• Internal Audit (3LoD) for alignment on assurance coverage
• Support regulatory exams by demonstrating the effectiveness and rigor of 2LoD oversight and QA practices

Continuous Improvement

• Identify opportunities to enhance 2LoD QA through:
• Standardization of oversight practices
• Enhanced documentation and governance protocols
• Use of data analytics to identify anomalies or inconsistencies in 2LoD outputs
• Monitor regulatory developments and industry expectations related to 2LoD responsibilities
• Support training and calibration efforts to improve consistency in 2LoD decision-making

Team Leadership

• Lead and develop a team of QA analysts focused on 2LoD activities
• Ensure consistent application of QA methodology and standards
• Oversee QA planning, execution, and reporting timelines
• Promote a culture of rigor, independence, and continuous improvement within Compliance

What You Will Need:

Required

• Bachelor’s degree in Finance, Business, Risk Management, or related field
• 7–10+ years of experience in Financial Crimes (AML, Sanctions, Fraud), with direct experience in:
• 2LoD Compliance / Financial Crimes oversight, or
• Quality Assurance / Testing of Financial Crimes functions
• Strong knowledge of:
• BSA/AML and sanctions regulatory expectations
• 2LoD roles and responsibilities within a three lines of defense model
• Financial crime risk management frameworks and governance practices
• Experience reviewing complex financial crime cases and providing oversight or challenge
• Strong analytical and judgment skills

Preferred

• CAMS, CFE, CRCM, or similar certifications
• Experience with Customer Risk Rating (CRR) or Transaction Monitoring model governance
• Familiarity with regulatory exams and supervisory expectations for Compliance functions
• Experience leveraging data analytics or reporting tools in QA

Key Competencies

• Strong sense of independence and professional skepticism
• Ability to assess quality of judgment and oversight (not just execution)
• Excellent written and verbal communication skills
• Ability to influence and challenge peers within Compliance
• Attention to detail with a focus on consistency and governance
• Strong organizational and problem-solving skills

Success Metrics

• Quality and consistency of 2LoD QA reviews
• Identification of meaningful gaps in oversight and challenge
• Reduction in repeat QA findings within 2LoD
• Timeliness and effectiveness of issue remediation
• Positive feedback from regulators and Internal Audit on 2LoD QA program
• Demonstrated improvement in 2LoD governance and decision-making quality

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $72,000 – $120,000

 
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote