Analyst, BSA/AML Operations

🔥 0 minutes ago

🌵 Arizona, Kentucky, +4 more states – Remote

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

💵 $43k - $70k / year

⏰ Full Time

🟢 Junior

🚨 AML and Financial Crime

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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

• Investigate alerts and cases generated from transaction monitoring systems related to merchant acquiring activity • Analyze merchant-level transaction data to identify anomalies and red flags • Identify and investigate merchant acquiring-specific typologies • Prepare and file SARs and CTRs accurately and timely • Review and investigate partner referrals and escalations • Document investigative findings clearly and accurately within case management systems • Meet defined SLAs, productivity expectations, and quality standards • Escalate high-risk or complex matters to the Manager • Maintain current knowledge of BSA/AML and OFAC regulations • Collaborate with BSA/AML peers, Fraud Operations, and partner oversight teams

🎯 Requirements

• Bachelor’s degree required (Finance, Criminal Justice, Accounting, Business, or related field) • CAMS or equivalent AML certification strongly preferred • 1–3 years of experience in BSA/AML investigations, transaction monitoring, fraud operations, or financial crimes compliance; merchant acquiring or payments experience strongly preferred • Knowledge of merchant acquiring risks including transaction laundering, MCC misclassification, chargeback fraud, and prohibited merchant categories • Familiarity with Actimize, FCRM, or similar transaction monitoring and case management platforms • Strong analytical skills with ability to interpret transaction data, identify patterns, and articulate findings • Working knowledge of BSA/AML regulations, SAR/CTR filing requirements, and FinCEN guidance • Excellent written communication skills, particularly SAR narrative drafting.

🏖️ Benefits

• Health insurance • 401(k) retirement benefits • Life insurance • Disability benefits • Paid time off