{"id":1018771,"url":"https://alion.io/job/pathward-manager-complex-investigations-unit-bsaaml-sanctions-operations","title":"Manager, Complex Investigations Unit, BSA/AML & Sanctions Operations","company":{"id":97023,"name":"Pathward","domain":"pathward.com","url":"https://alion.io/company/pathward","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":null,"work_mode":"remote","remote_scope":"stated_countries","remote_scope_basis":"board_field","remote_working_hours":null,"hiring_geo_confidence":"structured","locations":[],"countries":[],"hiring_countries":["US"],"hiring_countries_total":1,"salary":{"min":72000,"max":120000,"currency":"USD","period":"year","gross":null,"usd_annual":120000},"salary_estimate":null,"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-09-18T00:53:20Z","employer_posted_date":"2026-09-18","last_verified_at":"2026-10-21T20:54:30Z","board_verified":true,"closed_at":null,"days_open":33,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":33},"description":"We are a hybrid, remote-office company dedicated to growing our talent anywhere!\nWe have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.\nAt 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.\nWe 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. \nAbout the Role:\nThe Manager, Complex Investigations Unit leads a team of investigators responsible for the review, investigation, and resolution of complex and high-risk financial crime matters across AML, Sanctions, and Fraud domains. The role bridges investigative execution and program ownership: the Manager applies the escalation, quality, and documentation frameworks established by the VP, Complex Investigations, and ensures those standards are executed consistently by the Analysts performing the casework. The Manager serves as the day-to-day escalation point for multi-account, multi-entity, and cross-product matters, reviews and challenges SAR decisioning and narratives before final disposition, manages workload assignment and capacity, and develops investigator capability through coaching, calibration, and targeted training. The Manager is accountable for the quality, timeliness, and defensibility of the unit's investigative outputs under OCC, FinCEN, and internal program standards, and escalates novel typologies, systemic issues, and emerging risks to the VP, Complex Investigations.\nWhat You Will Do:\nComplex Investigations & Escalation Management\nManage the intake, assignment, and resolution of complex and high-risk investigations across products and customer types, including multi-account, multi-entity, and cross-product matters.\nServe as the day-to-day escalation point for urgent or high-severity matters, elevating to the VP, Complex Investigations where senior leadership awareness or immediate action is required.\nApply and enforce established escalation and routing criteria, including handling of repeat SAR subjects, continuing activity, and examiner-, audit-, or enforcement-referred matters.\nEnsure appropriate identification of subjects, activity scope, and risk exposure across the unit's caseload.\nIdentify emerging typologies, thematic issues, and potential control gaps surfaced through casework and escalate with supporting analysis and recommendations.\nPeople Leadership & Team Management\nDirectly manage a team of Complex Investigations Analysts; assign work, manage capacity and coverage, and balance inventory against aging and regulatory timeliness requirements.\nPartner with People & Culture on hiring and staffing for the unit, including requisitions, interviews, and selection.\nSet performance expectations, conduct 1:1s and performance reviews, and deliver coaching and development plans; address performance issues with timely documentation and escalation.\nBuild team capability through structured onboarding, ongoing coaching, and targeted training on typologies, investigative methods, and narrative quality.\nPromote a strong control culture, accountability, and adherence to procedures, desktop procedures, and checklists.\nInvestigative Oversight, SAR Quality & Documentation\nReview and challenge investigative analyses, conclusions, and SAR/no-SAR determinations to confirm they are sound, defensible, and fully documented.\nEnsure SAR narratives, Continuing Activity Reports (CARs), and decisioning meet regulatory expectations and withstand examiner, audit, and law enforcement scrutiny.\nConfirm investigative documentation meets the five-element documentation baseline and internal quality standards prior to filing or closure.\nOversee the unit's response to QC/QA feedback; drive remediation of identified defects and calibrate standards across analysts to reduce repeat findings.\nSupport 314(a)/314(b), OFAC, and PEP-related investigative activity assigned to the unit.\nProgram Execution, Governance & Reporting\nExecute the investigative standards, methodologies, and governance frameworks owned by the VP, Complex Investigations, and provide feedback to strengthen them.\nMonitor and report unit-level metrics, including inventory, aging, timeliness, SAR volumes, and quality results, to BSA/AML leadership.\nSupport root cause analysis and remediation activities tied to investigations, escalations, audit findings, and MRAs.\nMaintain examiner-ready case artifacts and contribute to procedure, desktop procedure, and checklist updates as processes evolve.\nCross-Functional Collaboration & Regulatory Support\nPartner with Sanctions Operations, Fraud Operations, Compliance Advisory, Legal, and Technology on cross-domain and sensitive high-risk matters.\nSupport regulatory examinations, internal audit, and model/program validation efforts by preparing case artifacts and coordinating responses to information requests.\nProvide investigative support and coaching to product-aligned SAM, Fraud, and Sanctions teams to drive consistency across the enterprise.\n\nWhat You Will Need:\nBachelor's degree required (Finance, Criminal Justice, Accounting, Business, or related field).\nCAMS or equivalent AML certification strongly preferred.\n7+ years of BSA/AML, Sanctions, or Fraud investigations experience, including SAR decisioning and filing.\n2+ years of direct people management experience, including coaching, performance management, and talent development.\nDemonstrated experience managing complex, high-risk typologies and multi-account or multi-entity investigations.\nWorking knowledge of transaction monitoring systems (e.g., Actimize, FCRM) and watchlist/screening tools (e.g., Bridger).\nDemonstrated success defending investigative decisions in audit, exam, or regulatory settings.\nStrong writing and communication skills, including the ability to review and elevate SAR narrative quality and to present results to senior leadership.\nProducts & Services Knowledge\nSAR narratives and investigative conclusions must accurately describe how funds move through each Pathward product, and the unit reviews activity across the full estate. The Manager must hold product-level knowledge of the funds flows, typologies, and party designations across the Bank's seven product categories and its program-manager model, including:\n Card Issuing / Prepaid - GPR, payroll, corporate disbursement, gift, government-benefit and student cards, and the load/spend typologies (structuring, funnel accounts, bust-out) that drive SAR narratives.\n Tax Products (EPS Financial / Refund Advantage) - refund transfers, taxpayer advances (including Emerald Advance®), and tax-office loans, and the IRS/ERO funds flows behind seasonal SAR/CTR volume.\n Acquiring (Merchant & ATM) - merchant/ISO/payment-facilitator activity, transaction laundering, and ATM cash-access typologies.\n Digital Payments & Faster Payments (Visa Direct / Mastercard Send) - push/pull disbursements, P2P, and cross-border rails.\n Consumer Lending, Commercial Finance, and Commercial Deposits - the CTR, continuing-activity, and 314(a) obligations Pathward retains as lender/bank of record and depository institution.\nThe Bank-vs-Program-Manager framework - Pathward files all SARs, CTRs, and 314(a) responses, so the Manager and their team must trace activity back through the program-manager escalation model.\nThe responsibilities listed above are not all inclusive and may be changed at any time.\nSalary range: $72,000 - $120,000\n\nThe 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.\nThis role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.\nDon’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.\nWho we are: \nOur 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. \nWe 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.\nPlease 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 - \nPlease click here to view Pathward's Applicant Privacy Notice.\nApplications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.\nKnowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.\nCandidate Scam Warning\nWe encourage you to be cautious of hiring scams that impersonate Pathward. 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