BSA​/AML​/OFAC Compliance Auditor III

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

We have onsite locations in:
Sioux Falls, SD, Scottsdale, 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 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
* SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

Independently plans and executescomplex, risk‑based auditswith a primary focus onBSA/AML, sanctions (OFAC), and Partner Solutions (embedded finance/“BaaS”). The role applies deep financial‑crimes and partner‑oversight expertise to assess governance, risk management, and control effectiveness across Pathward’s products, services, and third‑party ecosystems. Leveraging sound judgment, data‑driven analysis, and plain‑language storytelling, this position develops actionable insights, influences senior stakeholders, and drives continuous improvement, while adhering to the IIA Standards and Pathward’s Internal Audit methodology, and expectations from regulatory bodies such as the OCC and FinCEN.

While the core emphasis is on financial‑crimes and partner‑banking risks, this position will alsolead audits in adjacent domains(e.g., operations, payments and money movement, consumer compliance) as business needs dictate. The ideal candidate thrives in ambiguity, navigates complex business models and technology stacks, and communicates with clarity and empathy to build trust and deliver high‑quality outcomes. Experience engaging with regulatory bodies is highly valued.

• Set clear objectives/scope/criteria;identify key risks and controls; tailor procedures to business model and risk profile;deliver on time with high quality.
• Evaluate BSA/AML program pillars, governance and oversight, risk assessments, internal controls, policies and standards, training, and monitoring/quality assurance.
• Test financial‑crimes processes:
  
  CIP/KYC/CDD/EDD, customer risk rating, watchlist screening, transaction monitoring, investigations,SAR/CTRobligations, model validation and coverage, andrecordkeepingacross platforms and partners.
• Assess sanctions (OFAC) compliance:governance, interdiction, alert handling, escalation, and intersections across payments and money‑movement rails.
• Audit Partner Solutions (BaaS) and related third‑party oversight including BSA/AML and OFAC compliance across the partner lifecycle: due diligence, onboarding, ongoing monitoring, change management, issue management, and termination.
• Review BSA/AML and OFAC third‑party risk classification, oversight practices, and compliance reporting for sufficiency, accuracy, and decision usefulness.
• Use data analytics, where possible,to profile population risk, select samples, and detect anomalies across screening, monitoring, disputes, and partner portfolios.
• Evaluate enterprise interdependencies affecting BSA/AML and OFAC by testing data from source to report, testing ownership and SLAs at handoffs, and identifying gaps so processes are reliable, well‑controlled, and decision‑useful.
• Assess rules/models/scenarios and data pipelines:change control, documentation, performance monitoring/back‑testing, anddata lineage/integritysupporting BSA/AML and OFAC.
• Produce clear, evidence‑based findingswith root‑cause analysis, business impact, and prioritized action plans;challenge management responsesandvalidate remediation(including regulatory items) for sustained effectiveness.
• Engage stakeholders constructively(business leaders, Compliance, Risk, Technology); present concise,…