Manager, BSA/AML Operations – Cases

🕒 August 28

🇺🇸 United States – Remote

💵 $72k - $120k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🚨 AML and Financial Crime

👻 Ghost score 8%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Pathward

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

Pathward is a federally registered financial institution that provides robust banking infrastructure, proven technology resource partners, and dynamic collaboration to assist third-party partners in delivering banking programs that meet customer demands. The company focuses on providing a variety of financial solutions including issuing, acquiring, digital payments, credit solutions, and professional tax solutions, among others. Additionally, Pathward supports commercial finance through working capital, equipment finance, structured finance, and insurance premium finance. Committed to financial inclusion, Pathward powers financial access and innovation through strategic partnerships, including efforts to support renewable energy loan growth.

📋 Description

• Provide day-to-day leadership, execution, and oversight of the Suspicious Activity Monitoring case investigation function • Ensure compliance with the Bank Secrecy Act, AML regulations, and OCC supervisory expectations • Directly supervise investigation, documentation, and disposition of escalated SAM-related cases • Support and enhance Pathward’s BSA/AML compliance program • Supervise analysts conducting SAM case investigations, enhanced due diligence, and escalations • Manage investigations generated through transaction monitoring systems and manual referrals • Oversee case volumes, aging, investigation quality, regulatory responsiveness, SLAs, and quality standards • Partner with Alerts and SAR Filing teams, Compliance, Technology, Data Analytics, Program Management, and Assurance functions • Develop, implement, and maintain BSA/AML policies, procedures, desktop procedures, and controls • Support customer due diligence, sanctions screening, suspicious activity identification, and BSA/AML risk assessments • Ensure cases are investigated, documented, and dispositioned according to policy and regulatory requirements • Oversee suspicious-activity identification, SAR referrals, CTR accuracy and timeliness, EDD escalations, and responses to 314(a) requests, law-enforcement inquiries, subpoenas, and regulatory requests • Monitor queues and workload distribution; manage and escalate backlogs • Lead, coach, develop, and performance-manage analysts • Perform and oversee quality reviews of investigations and SAR referrals • Compile and report KRIs and KPIs for management and Board reporting • Translate operational data into risk-focused narratives for senior management and Board oversight • Support root-cause analysis, control-effectiveness assessments, control-gap identification, and risk-based remediation • Partner with Program Management, Data Analytics, and Technology Assurance on SAM rule and scenario tuning, alert/case quality, and governance documentation • Maintain SAM case procedures, checklists, sample narratives, and reference guides • Support analyst training, quality assurance, mentorship, and professional growth

🎯 Requirements

• Bachelor’s degree required • Professional certifications such as 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 • Ability to manage queues, SLAs, and staff capacity • Working knowledge of card issuing/prepaid products and load/spend typologies • Working knowledge of tax products, refund transfers, taxpayer advances, tax-office loans, and IRS/ERO funds flows • Working knowledge of acquiring, merchant/ISO/payment-facilitator activity, transaction laundering, and ATM cash-access typologies • Working knowledge of digital payments and faster payments, including Visa Direct, Mastercard Send, P2P, and cross-border rails • Working knowledge of consumer lending, commercial finance, and commercial deposits • Understanding of the Bank-vs-Program-Manager framework

🏖️ Benefits

• Annual performance-based incentive opportunity • Health insurance • 401(k) retirement benefits • Life insurance • Disability benefits • Paid time off • Comprehensive benefits package for eligible employees