Senior Analyst – Complex Investigations

🕒 3 days ago

🌵 Arizona, North Carolina, +1 more states – Remote

🌵 Arizona – Remote 🌲 North Carolina – Remote 🗿 South Dakota – Remote

💵 $60k - $100.5k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

👻 Ghost score 3%

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

• Independently conduct complex and high-risk investigations across products and customer types, including multi-account, multi-entity, and cross-product matters • Handle repeat SAR subjects, continuing activity reviews, and examiner-referred matters • Analyze transactional, KYC/CDD, and open-source information to reach defensible investigative conclusions • Identify and escalate systemic or thematic risks, unusual typologies, and potential control gaps • Draft clear, complete, and defensible SAR narratives and decisioning • Ensure investigative documentation meets the five-element documentation baseline and internal quality standards • Prepare Continuing Activity Reports (CARs) and support 314(a)/314(b), OFAC, and PEP-related investigative activity • Apply routing and escalation criteria consistently within quality and escalation frameworks • Partner with QC/QA teams, remediate defects, and surface systemic trends • Serve as a subject-matter resource on advanced typologies and investigative techniques • Provide informal coaching, case feedback, and peer review to less-experienced analysts • Support onboarding and training initiatives • Improve procedures, desktop procedures, checklists, and reference guides • Coordinate with AML, Fraud, Sanctions, Compliance Advisory, Legal, and Technology partners • Support regulatory examinations, internal audit, and validation efforts by preparing case artifacts and responding to information requests

🎯 Requirements

• Bachelor’s degree required (Finance, Criminal Justice, Accounting, Business, or related field) • CAMS or equivalent AML certification strongly preferred • Advanced certifications (e.g., CFE, CFCS) a plus • 5+ years of BSA/AML, Sanctions, or Fraud investigations experience, including complex or high-risk casework and SAR filing • Demonstrated ability to independently investigate multi-account, multi-entity, and cross-product matters • Strong command of financial-crime typologies • Experience with transaction monitoring systems (e.g., Actimize, FCRM) • Experience with watchlist/screening tools (e.g., Bridger)

🏖️ 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