Business Risk Program Director, BSA Advisor

🔥 0 minutes 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

📋 Program Manager

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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

• Conduct in-depth research and analysis of complex regulatory, compliance, and financial crime topics, including BSA/AML, Customer Identification Program (CIP), Know Your Customer (KYC), beneficial ownership, sanctions compliance, and related regulatory frameworks. • Partners directly with internal stakeholders and external partners to assess new products, programs, and business models, delivering risk and regulatory guidance that supports innovation while ensuring compliance with applicable laws, regulations, and risk management expectations. • Produce high-quality regulatory and risk memoranda that clearly articulate issues, analyze alternatives, assess risk, and provide supportable recommendations backed by legal authorities, regulatory guidance, enforcement actions, and industry practices. • Interpret laws, regulations, examination guidance, and regulatory expectations and translate them into actionable business and risk requirements. • Advise leadership, legal, compliance, and business partners on complex risk and regulatory matters, providing practical solutions that balance innovation, customer experience, and risk management. • Collaborates directly with business partners, fintechs, and third-party organizations to evaluate products, services, and business models, providing risk-focused guidance and regulatory expertise to identify obligations, assess compliance, fraud, financial crime, operational, and reputational risks, and develop practical, compliant solutions. • Monitor regulatory developments, enforcement trends, and industry practices to identify emerging risks and opportunities for program enhancement. • Challenge assumptions, investigate root causes, and apply critical thinking to resolve ambiguous or novel issues using a reasoned, risk-based approach. • Leverage data, research, and analytical methodologies to support decision-making and strengthen risk governance. • Present findings, recommendations, and regulatory positions to senior leadership, auditors, regulators, and other stakeholders. • Foster a culture of intellectual curiosity, continuous learning, and thoughtful risk management. • Perform other duties as assigned.

🎯 Requirements

• Bachelor's degree or equivalent education and work experience. Master's degree preferred. • Typically requires a minimum of 12 years of related experience with a bachelor’s or equivalent. • Demonstrated ability to conduct independent research on complex and ambiguous regulatory topics. • Strong writing skills with experience drafting executive-level memoranda, regulatory analyses, legal-risk assessments, and position papers. • Ability to synthesize complex legal, regulatory, operational, and business considerations into concise and actionable recommendations. • Intellectual curiosity with a proven ability to identify creative solutions while maintaining regulatory compliance and sound risk management principles. • Strong judgment and the ability to develop defensible positions under conditions of uncertainty. • Experience working with regulators, auditors, legal counsel, and senior executives.

🏖️ Benefits

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