Manager, BSA/AML Ops Risk

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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 periodic and ad-hoc transaction monitoring coverage assessments across products, including BaaS, payments, cards, tax, and deposits • Assess alignment between financial crime risks, typologies, monitoring rules, scenarios, thresholds, alert volumes, false positives, and investigative outcomes • Document coverage rationale, gaps, and recommendations in a regulator-ready format • Partner with Data Analytics and Technology on rule tuning, threshold adjustments, scenario enhancements, alert quality, and risk signal effectiveness • Translate investigative feedback, SAR trends, and QA results into actionable tuning opportunities • Ensure monitoring changes are risk-based, documented, tested, and governed • Analyze alert volumes, conversion rates, emerging typologies, and recurring issues • Perform root cause analysis on material trends, coverage gaps, and operational issues • Elevate risks and observations requiring management attention • Support examinations, audits, validation efforts, and regulatory inquiries related to monitoring coverage and effectiveness • Maintain documentation supporting rule purpose, risk linkage, coverage decisions, tuning rationale, and outcomes • Serve as a subject matter resource to SAM Operations, Program Management, and Assurance • Assess monitoring coverage implications for new products, partners, and change initiatives • Support updates to standards, procedures, and training related to monitoring effectiveness

🎯 Requirements

• Bachelor’s degree required • 5+ years of experience in BSA/AML, transaction monitoring, financial crimes analytics, or risk management • Strong understanding of transaction monitoring concepts, typologies, and regulatory expectations • Experience with monitoring systems such as Actimize or FCRM • Experience working with analytics and data teams • Ability to translate data into clear risk narratives and written documentation • Strong organizational, analytical, and communication skills • CAMS or similar certification preferred

🏖️ 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