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.