AVP, BSA/AML Program Office

🔥 18 hours ago

🌵 Arizona, Kentucky, +4 more states – Remote

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

💵 $104k - $174k / year

⏰ Full Time

🔴 Lead

🚨 AML and Financial Crime

👻 Ghost score 2%

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

• Lead the BSA/AML Program Office and support governance, reporting, and program coordination for the Bank’s BSA/AML and Sanctions compliance program. • Report to the BSA/AML Officer and lead the BSA/AML Program Office team. • Coordinate the BSA/AML Working Group Committee, including charter maintenance, meeting cadence, agendas, materials, minutes, decisions, and action items. • Develop and consolidate management, Board, Board committee, and executive reporting, including metrics, trend analysis, emerging risks, and resource constraints. • Review reported results, resolve discrepancies, analyze trends and anomalies, and escalate emerging issues. • Coordinate program materials for regulatory examinations, internal audits, and independent testing. • Coordinate execution of program strategy and initiatives across functional teams, track dependencies and commitments, and escalate issues. • Coordinate BSA/AML participation in Bank-level strategic initiatives and ensure alignment with enterprise priorities. • Oversee centralized intake and coordination of new business, product, and partner requests into BSA/AML. • Consolidate department capacity and staffing needs, analyze resource data, prioritize staffing requests, and support resourcing business cases. • Partner on organizational structure, role definitions, job descriptions, hiring prioritization, and onboarding. • Coordinate external vendor, consultant, and advisor engagements and manage related financial tracking. • Partner with Finance on budgets, forecasts, accruals, variance analysis, headcount, and third-party costs. • Lead and develop the Program Office team, define operating procedures, set objectives, manage performance, and support professional development.

🎯 Requirements

• Bachelor’s degree required; advanced degree (JD, MBA, or master’s in a related field) preferred. • CAMS, CFCS, or equivalent financial crimes certification required. • 8+ years of progressive experience in BSA/AML, sanctions, or financial crimes compliance at a bank, credit union, or other regulated financial institution. • 4+ years supporting BSA/AML program governance, program management, or comparable capacity. • Experience preparing Board, Board committee, and executive management reporting on a compliance or risk program, including metric selection, trend analysis, and narrative development. • Working knowledge of BSA/AML regulatory requirements, the FFIEC BSA/AML Examination Manual, and the regulatory examination process. • Experience coordinating external vendors, consultants, or advisory engagements, including engagement intake, internal approvals, and financial tracking. • People leadership experience, including managing professional staff, setting objectives, and developing a team. • Advanced proficiency in Excel and PowerPoint, including building and maintaining models and executive-level presentations. • Strong written and verbal communication skills, including materials prepared for Board, regulatory, and audit audiences. • Direct experience performing or supervising core BSA/AML work — transaction monitoring and case investigation, SAR decisioning and filing, sanctions screening, KYC/CDD/EDD, or BSA/AML risk assessment. • Experience consolidating and analyzing capacity, staffing, or resource data across multiple teams, and preparing resourcing recommendations for senior leadership. • Experience tracking program or departmental financials, including budget, forecast, and third-party spend. • Experience in a Banking-as-a-Service (BaaS), fintech partnership, or payments environment preferred. • Change management experience preferred. • Must be able to handle confidential personnel, regulatory, and investigative matters with discretion.

🏖️ 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