We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD,  Scottsdale, AZ,  Troy, MI,  Franklin, TN,  Dallas, TX

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.  We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success.  We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. 

About the Role:

The BSA Compliance Analyst serves within the second line of defense for Pathward’s BSA/AML/CFT and OFAC programs. The BSA Compliance Analyst III administers the enterprise-wide programs in accordance with the approved policy, laws, regulations, and best business practices. This position identifies compliance opportunities and works with cross-functional teams to implement potential solutions. Provides support and consulting to the business lines.

What You Will Do:

Be adept at interpreting proposed/enacted BSA/AML/CFT and OFAC regulations. Serve as the BSA and OFAC point of contact for regulatory change management. Stay abreast of banking/Fintech industry changes that could impact our BSA and OFAC programs. Create and/or update internal and external documentation (policies, procedures, guidelines, etc.) to ensure compliance with regulatory expectations and industry practices.  Work with business lines to implement and support BSA/AML initiatives, provide business lines with necessary support including training and process documentation  Work with the other areas of the BSA team to ensure that proper systems, including rules, are in place that align with regulatory or industry expectations. Develop/update/deliver internal and external training to ensure regulatory compliance and industry standards are incorporated. Serve as the subject matter expert to ensure documents, projects, processes, or product initiatives comply with regulatory and legal requirements and enterprise policy Aid in the evaluation of new products and services, processes, and procedures to ensure requirements of the BSA and OFAC are met Implement new procedures and tools with team members  Assist in updating the enterprise BSA/AML and OFAC Risk Assessment including analyzing the risks associated with assigned business lines. Complete compliance reviews on business lines to evaluate compliance with applicable laws and regulations and company policy. Assess adequacy of internal controls and assist with remediation as applicable. Develop supporting documentation including procedures, workpapers, reports, and other supplemental documentation Perform other duties or special projects as assigned.

What You Will Need:

Bachelor’s degree preferred or 4 or more years equivalent experience required Ability to function in a fast-paced environment Flexible and creative thinker who can learn independently Strong collaboration skills Demonstrated knowledge of BSA/AML/CFT and OFAC regulatory requirements Knowledge of Federal and State banking laws and regulations. Understanding of compliance auditing principles, methodology, sampling techniques and risk identification Knowledge of banking products and services Strong relationship management. Ability to present information to all levels internally and to external partners Excellent verbal and written communication skills Demonstrated ability to manage multiple complex projects together Skilled at organizing priorities and meeting deadlines Experience with Microsoft Products such as Word, Excel, PowerPoint Experience with payments, e-commerce, Fintech, sanctions, and/or trade finance Legal background with experience in regulatory interpretation Knowledge of data structure and usage within reporting and systems Operations knowledge Risk Management experience CAMS/ACFCS certifications Experience with Power of BI, Archer, OFAC screening solutions, and/or vendor solutions that support identity verification

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

Salary range:  $69,098.54 – $127,614.10

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

Don’t have everything listed under qualifications? Studies have shown that women and people of color are less likely to apply to jobs unless they meet every single condition. At Pathward, we are dedicated to building a diverse and inclusive culture of belonging, so 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.

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.

Please  to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing –

Please to view Pathward's Applicant Privacy Notice.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

 

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