Pathward is looking to solve the problem of financial inclusion for all by removing barriers to financial access and promoting economic mobility through responsible and secure financial products.
Requirements
- Professional certifications such as: CAMS, CFE, CIA, CRMA, and/or CPA preferred.
- Additional credentials in BSA/AML, or sanctions compliance are a plus.
- Expertise in BSA/AML and sanctions: Applies deep knowledge of laws, regulations, and industry standards to assess risk and controls.
- Analytical thinking: Evaluates complex issues, identifies root causes, and develops practical solutions.
- Sound judgment: Makes informed decisions based on analysis, experience, and risk considerations.
- Prioritization and execution: Focuses on high-impact tasks, manages time effectively, and meets deadlines without compromising quality.
- Adaptability: Navigates ambiguity and shifting priorities with resilience and composure.
Responsibilities
- Execute audit testing aligned with risk-based priorities and enterprise objectives.
- Support audits across diverse domains including payments and money movement (ACH/Wires/RTP), consumer compliance, third party risk management, and model risk.
- Apply audit methodology and leverage data analytics tools to enhance audit precision and insight.
- Analyze data for control gaps, fraud indicators, and regulatory non-compliance using structured techniques.
- Evaluate key BSA/AML processes such as CIP, KYC, CDD, EDD, customer risk rating, watchlist screening, transaction monitoring, investigations, SAR/CTR obligations, and record keeping across platforms and partners.
- Assess sanctions (OFAC) compliance: governance, interdiction alert handling, escalation, and intersections across payments and money movement rails.
- Provide clear, concise, and appropriate documentation of work performed, issues, and observations using oral and written forms of communication.
Other
- Bachelor's degree in a relevant field (e.g., Accounting, Finance, Business, or related displace), or equivalent education and work
- Up to 3+ years of relevant experience with bachelor’s degree or equivalent.
- Demonstrated ability in assessing BSA/AML, sanctions, and partner/third-party oversight.
- Experience in internal audit, compliance, or risk within financial services preferred.
- Customer focus: Understands stakeholder needs and strives to exceed expectations.
