Director, Quality Control — BSA/AML & Sanctions Operations

Pathward, N.A.

2h•$86,000 - $145,000•Hybrid

About The Position

The Director, Quality Control owns Pathward’s first independent Quality Control (QC) function across BSA/AML & Sanctions Operations. Reporting directly to the SVP, Deputy BSA/AML Officer to preserve independence from the production line, the Director sets the strategy, framework, and standards for QC and leads a multi-tier team covering alerts, cases, complex investigations, merchant acquiring, and sanctions. The role designs the QC program, sampling methodology, and error taxonomy; establishes calibration and effective-challenge disciplines; and delivers QC results and thematic trends into BSA/AML governance and to examiners. As a Director-level people leader, the incumbent owns the operating model, budget and resource planning, talent development, and cross-line engagement with Independent Testing, Second Line, and Internal Audit — without assuming production disposition authority.

Requirements

Bachelor’s degree required; advanced degree preferred.
CAMS required; CFE, CFCS, or CRCM strongly preferred.
10+ years of BSA/AML experience, including quality assurance/quality control or independent testing.
5+ years of people leadership, including leading leaders and building or scaling a function.
Demonstrated experience designing sampling methodologies and error taxonomies in a regulated environment.
Depth across alert, case, complex-investigation, and sanctions-screening workflows, including SAR quality and the five-element documentation baseline.
Experience presenting results and effective challenge to senior governance forums, and supporting regulatory examinations and audits.
Strategic QC/QA design discipline, including statistically valid sampling, calibration, and root-cause analysis.
Independence and objectivity; ability to challenge the production line constructively and defend methodology to examiners.
Deep knowledge of the five-element documentation baseline and examiner expectations.
Executive-level reporting of findings and thematic trends to governance forums.
People leadership: talent development, performance management, and building an independent, high-integrity culture.
Collaborative with second and third lines while preserving first-line QC scope.
Card Issuing / Prepaid — the dominant alert/case population; QC must test that narratives correctly reflect GPR, payroll, corporate, gift, and government-card constructs and source-of-funds designations.
Acquiring (Merchant & ATM) — a distinct QC population; reviews must confirm merchant/ISO and ATM typologies are properly analyzed.
Tax Products — seasonal refund-transfer and advance activity requiring product-aware sampling.
Digital Payments & Faster Payments (Visa Direct / Mastercard Send) — push/pull disbursement dispositions.
Sanctions (OFAC / 314(a) / PEP) — screening dispositions that clear with no other independent review, requiring product-aware error-taxonomy design.
The Bank-vs-Program-Manager framework — so QC findings correctly attribute Bank vs. program-manager responsibilities in each disposition, including Banking-as-a-Service (BaaS) partner activity.

Nice To Haves

advanced degree preferred
CFE, CFCS, or CRCM strongly preferred

Responsibilities

Own the QC strategy and operating model across all five review populations (alerts, cases, complex investigations, merchant acquiring, and sanctions), ensuring structural independence from production disposition authority.
Design and govern the sampling methodology — risk-based and stratified by analyst and queue, with new-hire oversampling and defined statistical confidence levels — and approve periodic recalibration of sample plans.
Define and maintain the error taxonomy (critical, significant, administrative) aligned to the OCC five-element documentation baseline, with escalation, root-cause, and re-work rules.
Lead and develop the QC team — including a Manager/Lead and QC Analysts — setting goals, managing performance, and building bench strength and succession.
Own the calibration program, running monthly calibration between QC, Leads, and Managers with documented outcomes and closure of disputed dispositions.
Report QC results and thematic trends into BSA/AML governance and risk committees; provide effective-challenge follow-up and track remediation to completion.
Finalize and operate to the Financial Crimes Compliance Independent Testing and Quality Assurance Program Document, and maintain the QC program document set within Doc Control.
Coordinate read-only system access (Actimize, FCRM, Bridger) and maintain the QC results repository; ensure QC holds no production disposition rights.
Interface with Independent Testing/QA, Second Line, and Internal Audit as a peer — supporting, but never replacing, their functions — and support regulatory examinations and audits with QC artifacts and findings.
Own budget, resource, and technology planning for the QC function, including business cases for staffing, tooling, and automation of sampling and reporting.