Pathward is looking to solve the problem of ensuring financial inclusion for all by working with innovators to increase financial availability, choice, and opportunity. This role will focus on auditing and assessing the effectiveness of governance, risk management, and controls related to financial crimes and partner oversight to remove barriers to financial access and promote economic mobility.
Requirements
- Demonstrated strength in BSA/AML, sanctions, and partner/third‑party oversight.
- Ability to pivot and lead audits in adjacent domains.
- Proficiency with data‑centric testing and visualization techniques
- Professional certifications such as: CAMS, CFE, CIA, CRMA, and/or CPA preferred.
- Additional credentials in BSA/AML, or sanctions compliance are a plus.
- 5+ years of relevant experience in internal audit, compliance, or risk within financial services.
Responsibilities
- Plan and lead end‑to‑end, risk‑based audits (planning, fieldwork, reporting, and follow‑up).
- Evaluate BSA/AML program pillars, governance and oversight, risk assessments, internal controls, policies and standards, training, and monitoring/quality assurance.
- Test financial‑crimes processes: CIP/KYC/CDD/EDD, customer risk rating, watchlist screening, transaction monitoring, investigations, SAR/CTR obligations, model validation and coverage, and recordkeeping across platforms and partners.
- Assess sanctions (OFAC) compliance: governance, interdiction, alert handling, escalation, and intersections across payments and money‑movement rails.
- Audit Partner Solutions (BaaS) and related third-party oversight including BSA/AML and OFAC compliance across the partner lifecycle: due diligence, onboarding, ongoing monitoring, change management, issue management, and termination.
- Use data analytics, where possible, to profile population risk, select samples, and detect anomalies across screening, monitoring, disputes, and partner portfolios.
- Produce clear, evidence‑based findings with root‑cause analysis, business impact, and prioritized action plans; challenge management responses and validate remediation (including regulatory items) for sustained effectiveness.
Other
- Independently plans and executes complex, risk‑based audits with a primary focus on BSA/AML, sanctions (OFAC), and Partner Solutions (embedded finance/“BaaS”).
- Applies deep financial‑crimes and partner‑oversight expertise to assess governance, risk management, and control effectiveness across Pathward’s products, services, and third‑party ecosystems.
- Leveraging sound judgment, data‑driven analysis, and plain‑language storytelling, this position develops actionable insights, influences senior stakeholders, and drives continuous improvement, while adhering to the IIA Standards and Pathward’s Internal Audit methodology, and expectations from regulatory bodies such as the OCC and FinCEN.
- The ideal candidate thrives in ambiguity, navigates complex business models and technology stacks, and communicates with clarity and empathy to build trust and deliver high‑quality outcomes.
- Experience engaging with regulatory bodies is highly valued.
