Note: The job is a remote job and is open to candidates in USA. Pathward is hiring a BSA/AML Risk Analyst II to support its second line of defense for BSA/AML/CFT and OFAC compliance. The role conducts oversight and advisory activities, identifies compliance risks and improvement opportunities, and partners with business lines and third parties on practical solutions.

Responsibilities

• Conduct compliance oversight reviews of business lines and third parties to assess adherence to applicable laws, regulations, and company policy. Evaluate the adequacy of internal controls and support remediation efforts as needed. Prepare procedures, workpapers, reports, and other 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

Skills

• 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 (e.g., 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
• Skilled at organizing priorities, managing multiple complex projects at one time, and meeting deadlines
• Ability to effectively communicate with individuals at all levels through verbal or written means
• Proficiency with Microsoft Office tools (Excel, Word, PowerPoint); ability to learn additional systems as needed
• 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

Benefits

• Annual performance-based incentive opportunity
• Comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more
• Hybrid, remote-office work arrangement

Company Overview

• Pathward is a financial firm that provides investment strategies to promote business growth for organizations. It was founded in 1954, and is headquartered in Sioux Falls, South Dakota, USA, with a workforce of 1001-5000 employees. Its website is https://www.pathward.com.