AML CFT Investigations I

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD,  Phoenix, AZ,  Louisville, KY,  Troy, MI,  Franklin, TN,  Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.  We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success.  We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART  approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. 

About the Role:

Responsible for reviewing, analyzing, investigation, and documenting AML/CFT alerts and cases generated 

through transaction monitoring, suspicious activity monitoring, referrals, sanctions screening, and other 

financial crime detection processes. 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.

What You Will Do:

• 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 clearly 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 while 

  demonstrating accountability, integrity, confidentiality, attention to detail, curiosity, and sound risk 

  judgment.

• Travel only 1-2 times a year for department offsite or summit - Occasional travel may be required, 

  including overnight stays.

• Other Duties as Assigned.

What You Will Need:

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

Salary range:  $41,415.72 - $73,850.76

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.

This role is also eligible for an annual performance-based incentive opportunity.  Pathward offers a comprehensive benefits package for eligible

The responsibilities listed above are not all inclusive and may be changed at any time.

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are:  

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. 

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing - [email protected]

Please click here to view Pathward's Applicant Privacy Notice.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

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