Financial Crimes Quality Assurance Analyst

🕒 June 2

🌵 Arizona, Kentucky, +4 more states – Remote

🌵 Arizona – Remote 🐎 Kentucky – Remote 🚗 Michigan – Remote 🔔 Pennsylvania – Remote 🗿 South Dakota – Remote 🎸 Tennessee – Remote

💵 $43k - $70k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🔧 QA Engineer (Quality Assurance)

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Pathward

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

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

• Perform detailed QA reviews of 2LoD casework, memos, and decisions to evaluate: • Accuracy and completeness • Appropriateness of risk-based judgments • Alignment with internal standards and regulatory expectations • Evaluate the quality of 2LoD oversight, including whether issues are appropriately identified, escalated, and resolved • Identify inconsistencies in decision-making and gaps in challenge or governance • Conduct horizontal reviews across 2LoD outputs to identify: • Systemic weaknesses in oversight practices • Trends in ineffective challenge or missed escalation opportunities • Inconsistencies in policy interpretation • Develop insights into emerging risks and control blind spots within 2LoD • Assist with the development and maintenance of QA methodologies specific to 2LoD activities, including: • Test scripts tailored to oversight and challenge functions • Defect taxonomy focused on governance, escalation, and decision quality • Scoring frameworks to assess effectiveness of 2LoD outputs • Ensure clear differentiation between 1LoD execution errors and 2LoD oversight deficiencies • Document QA findings with clear articulation of: • Gaps in 2LoD oversight, challenge, or governance • Root cause and impact on risk management effectiveness • Assign severity ratings based on risk exposure and regulatory implications • Track and validate remediation of identified issues within Compliance • Provide independent challenge within the 2LoD function, ensuring high standards of oversight and accountability • Support regulatory exams by demonstrating the effectiveness and rigor of 2LoD oversight and QA practices • Identify opportunities to enhance 2LoD QA through: • Standardization of oversight practices • Enhanced documentation and governance protocols • Use of data analytics to identify anomalies or inconsistencies in 2LoD outputs

🎯 Requirements

• Bachelor’s degree in Finance, Business, Risk Management, or related field • 3–7+ years of experience in Financial Crimes (AML, Sanctions, Fraud), with direct experience in: • 2LoD Compliance / Financial Crimes oversight, or • Quality Assurance / Testing of Financial Crimes functions • Strong knowledge of: • BSA/AML and sanctions regulatory expectations • 2LoD roles and responsibilities within a three lines of defense model • Financial crime risk management frameworks and governance practices • Experience reviewing complex financial crime cases and providing oversight or challenge • Strong analytical and judgment skills

🏖️ Benefits

• health insurance • 401(k) retirement benefits • life insurance • disability benefits • paid time off • annual performance-based incentive opportunity