Manager, Complex Investigations Unit – BSA/AML & Sanctions Operations

Job not on LinkedIn

🔥 9 minutes ago

🌵 Arizona, Kentucky, +4 more states – Remote

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

💵 $72k - $120k / year

⏰ Full Time

🟠 Senior

🔴 Lead

🚨 AML and Financial Crime

👻 Ghost score 4%

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 a team of investigators responsible for reviewing, investigating, and resolving complex and high-risk financial crime matters across AML, Sanctions, and Fraud • Manage intake, assignment, workload capacity, coverage, and resolution of complex investigations • Serve as the day-to-day escalation point for urgent and high-severity matters • Apply escalation and routing criteria for repeat SAR subjects, continuing activity, and examiner-, audit-, or enforcement-referred matters • Identify emerging typologies, thematic issues, and potential control gaps, escalating them with analysis and recommendations • Directly manage Complex Investigations Analysts, including hiring, performance management, coaching, and talent development • Review and challenge investigative analyses, conclusions, SAR/no-SAR determinations, SAR narratives, CARs, and documentation • Oversee QC/QA feedback, remediation, and analyst calibration • Support 314(a)/314(b), OFAC, and PEP-related investigative activity • Execute investigative standards, methodologies, and governance frameworks • Monitor and report inventory, aging, timeliness, SAR volumes, and quality metrics to BSA/AML leadership • Support root cause analysis, remediation, regulatory examinations, internal audit, and validation efforts • Maintain examiner-ready case artifacts and update procedures, desktop procedures, and checklists • Partner with Sanctions Operations, Fraud Operations, Compliance Advisory, Legal, and Technology on sensitive matters • Provide investigative support and coaching to product-aligned SAM, Fraud, and Sanctions teams

🎯 Requirements

• Bachelor's degree required (Finance, Criminal Justice, Accounting, Business, or related field) • CAMS or equivalent AML certification strongly preferred • 7+ years of BSA/AML, Sanctions, or Fraud investigations experience, including SAR decisioning and filing • 2+ years of direct people management experience, including coaching, performance management, and talent development • Demonstrated experience managing complex, high-risk typologies and multi-account or multi-entity investigations • Working knowledge of transaction monitoring systems (e.g., Actimize, FCRM) and watchlist/screening tools (e.g., Bridger) • Demonstrated success defending investigative decisions in audit, exam, or regulatory settings • Strong writing and communication skills, including the ability to review and elevate SAR narrative quality and present results to senior leadership • Product-level knowledge of funds flows, typologies, and party designations across Pathward's product categories and program-manager model

🏖️ Benefits

• Annual performance-based incentive opportunity • Health insurance • 401(k) retirement benefits • Life insurance • Disability benefits • Paid time off • Comprehensive benefits package • Remote-office work arrangement