What You Will Do
Conducts SAM case investigations, enhanced due diligence, and escalation activities.
Investigates cases generated through transaction monitoring systems, as well as manual referrals.
Executes day-to-day case work across case volumes, aging, investigation quality, and regulatory responsiveness, ensuring adherence to established SLAs and quality standards.
Serves as a first-line individual contributor within the BSA/AML & Sanctions Operations team and Pathward’s Financial Crime Compliance (FCC) Program, partnering closely with the Alerts and SAR Filing teams, Compliance, Technology, Data Analytics, Program Management, and Assurance functions.
Supports the development, implementation, and maintenance of BSA/AML policies, procedures, desktop procedures, and controls for the case function.
Assists in executing components of the BSA/AML program including customer due diligence, sanctions screening, and suspicious activity identification, where applicable.
Contributes to risk assessments to identify and evaluate BSA/AML risks across products, services, customers, and geographic locations.
Operational Execution & Investigations
Investigate, document, and disposition cases in accordance with Pathward policies, procedures, and regulatory requirements.
Maintain accountability for
SAM case investigations and dispositions
Identification of suspicious activity and preparation of SAR referrals for the SAR Filing function
CTR accuracy and timeliness
Escalation of investigations requiring Enhanced Due Diligence (EDD)
Timely, complete, and defensible responses to 314(a) information requests, law enforcement inquiries, subpoenas, and regulatory requests
Manage assigned queues and workload to ensure cases remain within SLA and proactively escalate potential backlogs.
Quality & Collaboration
Participate in coaching, feedback, and continuous learning to strengthen investigation skills and consistency.
Perform self-review and support quality review of investigations and SAR referrals to ensure consistency, completeness, and defensibility.
Contribute to a culture of accountability, consistency, and continuous improvement across SAM Case Operations within the BSA/AML & Sanctions Operations team.
Reporting
Document investigation outcomes in clear, risk-focused narratives aligned with OCC expectations for senior management and Board oversight.
Risk Management & Root Cause Analysis
Support root cause analysis for operational issues, trends, or findings, including identification of control gaps and recommendation of risk-based remediation actions.
Support remediation activities that are sustainable and aligned with Pathward’s enterprise risk management framework.
Technology, Data Analytics & Rule Tuning
Partner with FCC Program Management, Data Analytics, and Technology Assurance by providing feedback on SAM rules and scenarios, evaluating alert and case quality, and supporting appropriately governed, tested, and documented rule changes.
Policies, Procedures & Professional Development
Follow and provide feedback on SAM case-related procedures, desktop procedures, checklists, sample narratives, and reference guides to help ensure they remain current, accurate, and aligned with regulatory guidance and operational practice.
Participate in training, quality assurance, and mentorship, promoting professional growth and consistent execution.
What You Will Need
Bachelor’s degree required; professional certifications (e.g., CAMS) preferred.
Experience in BSA/AML operations, financial crimes investigations, and SAM programs within a regulated financial institution.
Demonstrated experience conducting case investigations and preparing SAR referrals.
Working knowledge of Actimize, FCRM, and enterprise transaction monitoring systems.
Strong analytical, communication, and organizational skills, with the ability to manage queues, SLAs, and personal workload.
The responsibilities listed above are not all inclusive and may be changed at any time.
#LI-Remote
Salary range: $43,000 – $70,000
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.
Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
Who we are
Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.
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