Financial Crimes Quality Assurance; QA) Analyst

Financial Crimes Quality Assurance (QA) Analyst I

Remote

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 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.

The Financial Crimes Quality Assurance (QA) Analyst I is responsible for executing the quality assurance program focused on Second Line of Defense (2

LoD) Financial Crimes activities, including oversight, review, challenge, and governance functions across BSA/AML, Sanctions, and Fraud.

This role ensures that 2

LoD processes—such as alert oversight, customer risk rating governance, policy interpretation, and escalation decisions—are performed with consistency, accuracy, and in alignment with regulatory expectations and internal standards. The Analyst I will assess the effectiveness of 2

LoD outputs, provide credible challenge within Compliance, and deliver insights to strengthen oversight and risk management practices.

• Perform detailed QA reviews of 2
  
  LoD casework, memos, and decisions to evaluate:
• Accuracy and completeness
• Appropriateness of risk-based judgments
• Alignment with internal standards and regulatory expectations
• Evaluate quality of 2
  
  LoD oversight, including whether issues are appropriately identified, escalated, and resolved
• Identify inconsistencies in decision-making and gaps in challenge or governance

• Conduct horizontal reviews across 2
  
  LoD outputs to identify:
• Systemic weaknesses in oversight practices
• Trends in ineffective challenge or missed escalation opportunities
• Inconsistencies in policy interpretation
• Develop insights into emerging risks and control blind spots within 2
  
  LoD

• Document QA findings with clear articulation of:
• Gaps in 2
  
  LoD oversight, challenge, or governance
• Root cause and impact on risk management effectiveness
• Assign severity ratings based on risk exposure and regulatory implications
• Track and validate remediation of identified issues within Compliance

• Provide independent challenge within the 2
  
  LoD function, ensuring high standards of oversight and accountability
• Support regulatory exams by demonstrating the effectiveness and rigor of 2
  
  LoD oversight and QA practices
• Identify opportunities to enhance 2
  
  LoD QA through:
• Standardization of oversight practices
• Enhanced documentation and governance protocols
• Use of data analytics to identify anomalies or inconsistencies in 2
  
  LoD outputs

• Bachelor’s degree in Finance, Business, Risk Management, or related field
• 2+ years of experience in Financial Crimes (AML, Sanctions, Fraud), with direct experience in:
• 2
  
  LoD Compliance / Financial Crimes oversight, or
• Quality Assurance / Testing of Financial Crimes functions
• Strong knowledge of:
• BSA/AML and sanctions regulatory expectations
• 2
  
  LoD roles and responsibilities within a three lines of defense…