AML CFT Investigations I

Pathward, N.A.

2d•$41,416 - $73,851•Hybrid

About The Position

The AML CFT Investigations I role reviews, analyzes, investigates, and documents AML/CFT alerts and cases generated through transaction monitoring, suspicious activity monitoring, referrals, sanctions screening, and other financial crime detection processes. The position supports Pathward's AML/CFT compliance program by evaluating customer activity, identifying potential suspicious or unusual activity, documenting investigative findings, escalating matters as appropriate, and supporting regulatory reporting obligations, including Suspicious Activity Reports when applicable. This is a hybrid, remote-office role. Pathward has onsite locations in Sioux Falls, South Dakota; Phoenix, Arizona; Louisville, Kentucky; Troy, Michigan; Franklin, Tennessee; and Easton, Pennsylvania. Occasional travel may be required, typically one or two times a year for a department offsite or summit, and may include overnight stays. Responsibilities are not all inclusive and may change at any time.

Requirements

Up to 2+ years of experience with a bachelor's degree or equivalent.
Bachelor's degree or equivalent education and work experience.

Responsibilities

Review, analyze, and investigate AML/CFT alerts and cases generated through monitoring systems, referrals, partner escalations, sanctions screening, and other detection channels.
Evaluate customer activity, transactional behavior, account history, customer due diligence information, risk factors, and supporting documentation to identify unusual patterns, AML/CFT red flags, sanctions concerns, or potential financial crime risk.
Conduct investigations in accordance with applicable AML/CFT laws, regulations, policies, standards, procedures, escalation protocols, service level expectations, and recordkeeping requirements.
Document investigative steps, findings, rationale, evidence reviewed, analysis performed, and final disposition in a clear, complete, accurate, and audit-ready manner.
Use sound judgment to determine whether alerts or cases require closure, continued monitoring, escalation, enhanced review, referral for additional review, or potential Suspicious Activity Report consideration.
Escalate complex, high-risk, unusual, sanctions-related, or potentially reportable activity timely and appropriately to senior team members, management, or compliance partners based on policy, procedure, and risk severity.
Assist with the preparation, review, and support of Suspicious Activity Reports and related regulatory reporting documentation, as applicable.
Identify and communicate suspicious activity trends, emerging typologies, control gaps, case quality concerns, and opportunities to improve documentation consistency, alert handling, procedures, controls, training, reporting, or monitoring effectiveness.
Collaborate and communicate with internal teams, business partners, compliance stakeholders, management, and other risk functions to gather information, resolve questions, explain investigative findings, and support effective alert and case investigations.
Maintain knowledge of AML/CFT regulations, regulatory expectations, suspicious activity indicators, sanctions risks, internal policies, investigative procedures, industry trends, and program standards.
Demonstrate accountability, integrity, confidentiality, attention to detail, curiosity, and sound risk judgment.
Travel occasionally, typically one or two times a year for a department offsite or summit; overnight stays may be required.
Perform other duties as assigned.