BSA AML Analyst II

Pathward, N.A.

6d•$50,000 - $84,000•Hybrid

About The Position

The BSA/AML Risk Analyst II supports Pathward’s second line of defense for its BSA/AML/CFT and OFAC compliance programs. The role performs oversight and advisory activities to help ensure program elements are administered in accordance with approved policy, applicable laws and regulations, and sound industry practices. The Analyst identifies compliance risks and improvement opportunities, partners with cross-functional stakeholders to develop practical solutions, and provides consultative support to business lines and third parties. The position works with business partners across the organization to identify, assess, and reduce financial-crime compliance risk, contribute to improvements in controls and processes, and build expertise in AML oversight. The role is described as hybrid and remote-office, with onsite locations in Sioux Falls, South Dakota; Phoenix, Arizona; Louisville, Kentucky; Troy, Michigan; Franklin, Tennessee; and Easton, Pennsylvania. The salary range is $50,000–$84,000, and the role is eligible for an annual performance-based incentive opportunity. Eligible employees receive a comprehensive benefits package.

Requirements

Bachelor’s degree or equivalent education and work experience.
Working knowledge of BSA/AML/CFT and OFAC requirements, with 2–4 years of related compliance, risk, audit, or financial-crime experience.
Familiarity with banking products and services, such as payments, e-commerce, fintech partnerships, and/or trade finance.
Strong analytical, research, problem-solving, and decision-making skills.
Flexible and creative thinker who can learn independently and function in a fast-paced environment.
Ability to organize priorities, manage multiple complex projects at one time, and meet deadlines.
Ability to communicate effectively with individuals at all levels verbally and in writing.
Proficiency with Microsoft Office tools (Excel, Word, and PowerPoint), and ability to learn additional systems as needed.

Nice To Haves

Experience in a second line of defense (compliance/risk management) function within a bank, fintech, or payments environment.
Exposure to third-party risk management, vendor oversight, or partner program monitoring.
Relevant certification (e.g., CAMS) or progress toward certification.

Responsibilities

Conduct compliance oversight reviews of business lines and third parties to assess adherence to applicable laws, regulations, and company policy; evaluate internal controls, support remediation, and prepare procedures, workpapers, reports, and supporting documentation.
Serve as a subject matter resource to help ensure documents, projects, processes, and product initiatives align with regulatory requirements and company standards.
Contribute to the development and maintenance of line-of-business guidance and standards related to AML compliance.
Partner with business lines and third parties to implement AML initiatives and provide support through training, process documentation, and ongoing consultation.
Provide advisory support to the first line of defense by answering questions, offering technical guidance, and assisting with issue identification and resolution.
Support risk and compliance assessments of new or changing products, services, processes, and procedures to help ensure BSA and OFAC requirements are considered and addressed.
Assist with implementing and improving procedures, tools, and controls in coordination with team members and stakeholders.
Monitor and help validate compliance with third-party contractual obligations related to service delivery, as applicable.
Maintain knowledge of relevant financial services products, emerging risks, and the AML regulatory environment.
Review proposed and existing laws, regulations, and guidance to evaluate potential business impact and communicate key considerations to stakeholders.
Perform other duties or special projects as assigned.