What You Will Do
Scope of Responsibility
Provides direct supervision of analysts responsible for SAM case investigations, enhanced due diligence, and escalation activities.
Manages case investigations generated through transaction monitoring systems, as well as manual referrals.
Owns day-to-day operational performance across case volumes, aging, investigation quality, and regulatory responsiveness, ensuring adherence to established SLAs and quality standards.
Serves as a first-line operational leader 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.
Key Responsibilities
Operational Oversight & Investigations
Ensure cases are investigated, documented, and dispositioned 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
Monitor daily queues and workload distribution to ensure cases remain within SLA and backlogs are proactively managed and escalated.
Team Leadership & Quality
Lead, coach, and develop analysts, providing direction, feedback, and performance management.
Perform and oversee quality review of investigations and SAR referrals to ensure consistency, completeness, and defensibility.
Establish and reinforce a culture of accountability, consistency, and continuous improvement across SAM Case Operations within the BSA/AML & Sanctions Operations team.
Governance, Metrics & Reporting
Compile and report key risk indicators (KRIs) and key performance indicators (KPIs) for management and Board reporting, including case volumes and aging; SLA performance and exceptions; SAR referral and investigation outcome trends; staffing capacity and productivity; and emerging typologies.
Translate operational data into 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 assessment of control effectiveness, identification of control gaps, and recommendation of risk-based remediation actions.
Ensure remediation activities 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 to support tuning and optimization of SAM rules and scenarios, evaluate alert and case quality, and ensure rule changes are appropriately governed, tested, and documented.
Policies, Procedures & Talent Development
Maintain and update SAM case-related procedures, desktop procedures, checklists, sample narratives, and reference guides to ensure they remain current, accurate, and aligned with regulatory guidance and operational practice.
Support training, quality assurance, and mentorship for analysts, promoting professional growth and consistent execution.
What You Will Need
Bachelor’s degree required; professional certifications (e.g., CAMS) preferred.
Solid experience in BSA/AML operations, financial crimes investigations, and SAM programs within a regulated financial institution.
Demonstrated experience leading or supervising analysts.
Working knowledge of Actimize, FCRM, and enterprise transaction monitoring systems.
Strong analytical, communication, and organizational skills, with the ability to manage queues, SLAs, and staff capacity.
Product Services & Knowledge
Case investigations and SAR referrals require an understanding of how funds move through each Pathward product across the BSA/AML & Sanctions Operations estate. The Manager and their analysts must hold working, product-level knowledge of the funds flows, typologies, and party designations across the Bank’s product categories and its program-manager model, including:
Card Issuing / Prepaid — GPR, payroll, corporate disbursement, gift, government-benefit and student cards, and the load/spend typologies (structuring, funnel accounts, bust-out) that drive investigations and SAR referrals.
Tax Products (EPS Financial / Refund Advantage) — refund transfers, taxpayer advances (including Emerald Advance®), and tax-office loans, and the IRS/ERO funds flows behind seasonal SAR/CTR volume.
Acquiring (Merchant & ATM) — merchant/ISO/payment-facilitator activity, transaction laundering, and ATM cash-access typologies.
Digital Payments & Faster Payments (Visa Direct / Mastercard Send) — push/pull disbursements, P2P, and cross-border rails.
Consumer Lending, Commercial Finance, and Commercial Deposits — the CTR, continuing-activity, and 314(a) obligations Pathward retains as lender/bank of record and depository institution.
The Bank-vs-Program-Manager framework — Pathward files all SARs, CTRs, and 314(a) responses, so activity must be traced back through the program-manager escalation model.
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.
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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.
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