Sr. Analyst – Complex Investigations

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 area 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*SMARTapproach 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:

The Senior Analyst Complex Investigations conducts the review investigation and resolution of the Banks most complex and high-risk financial crime matters across AML Sanctions and Fraud domains. As a senior individual contributor the role independently executes multi-account multi-entity and cross-product investigations produces defensible SAR narratives and decisioning and applies advanced typologies and investigative techniques. The Senior Analyst operates within the escalation and quality frameworks owned by leadership serves as a technical resource and informal coach to less-experienced analysts and ensures all investigative outputs are consistent well-documented and regulator-ready under OCC FinCEN and internal program standards.

What You Will Do:

Complex Investigations & Case Execution

• Independently conduct complex and high-risk investigations across products and customer types including multi-account multi-entity and cross-product matters.
• Handle repeat SAR subjects continuing activity reviews and examiner-referred matters in line with established escalation criteria.
• Analyze transactional KYC/CDD and open-source information to reach sound defensible investigative conclusions.
• Identify and escalate systemic or thematic risks unusual typologies and potential control gaps emerging from casework to leadership.

SAR Decisioning Narratives & Documentation

• Draft clear complete and defensible SAR narratives and decisioning that withstand examiner audit and law-enforcement scrutiny.
• Ensure all investigative documentation meets the five-element documentation baseline and internal quality standards.
• Prepare Continuing Activity Reports (CARs) and support 314(a)/314(b) OFAC and PEP-related investigative activity as needed.

Quality Escalation & Governance

• Operate within the escalation and quality frameworks owned by leadership; apply routing and escalation criteria consistently.
• Partner with QC/QA teams by responding to feedback remediating identified defects and helping surface systemic trends.
• Maintain consistency with enterprise investigative standards and methodologies across AML Fraud and Sanctions domains.

Technical Expertise & Coaching

• Serve as a subject-matter resource on advanced typologies investigative techniques and analyst judgment.
• Provide informal coaching case feedback and peer review to less-experienced analysts; support onboarding and training initiatives.
• Contribute to the continuous improvement of procedures desktop procedures checklists and reference guides based on casework insights.

Cross-Functional Collaboration

• Coordinate with AML Fraud Sanctions Compliance Advisory Legal and Technology partners on complex financial-crime scenarios spanning multiple risk domains.
• Support regulatory examinations internal audit and validation efforts by preparing case artifacts and responding to information requests.

What You Will Need:

• Bachelors degree required (Finance Criminal Justice Accounting Business or related field).
• CAMS or equivalent AML certification strongly preferred.
• Advanced certifications (e.g. CFE CFCS) a plus.
• 5 years of BSA/AML Sanctions or Fraud investigations experience including complex or high-risk casework and SAR filing.
• Demonstrated ability to independently investigate multi-account multi-entity and cross-product matters.
• Strong command of financial-crime typologies transaction monitoring systems (e.g. Actimize FCRM) and watchlist/screening tools (e.g. Bridger).

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

Salary range: $60000 $100500

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 candidates 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 employees including health insurance 401(k) retirement benefits life insurance disability benefits paid time off and more.

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Dont have everything listed under qualifications If youre excited about this role but your experiences dont 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.

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Senior IC