EDD Analyst II

About the Role

The EDD Analyst will be responsible for performing customer due diligence (CDD)/enhanced due diligence (EDD) reviews on the Bank’s higher-risk customers across all business lines, including retail banking, commercial lending, prepaid/issuing programs, and Banking-as-a-Service (BaaS) partnerships. This role ensures higher-risk customer relationships are thoroughly and timely assessed, appropriately documented, and continuously monitored in accordance with BSA/AML regulatory requirements and the Bank’s risk appetite.

• Complete EDD reviews for assigned periodic and event‑driven alerts within a designated timeframe in accordance with established procedures
• Conduct open‑source data searches using multiple resources to gather and analyze necessary information about the customer, business partners, owners, controllers, and other connected parties
• Analyze transactional data within a given timeframe and identify any potential red flags or inconsistencies
• Organize and synthesize information into a clear evaluation and recommended actions
• Prepare detailed and succinct customer narratives that can be clearly understood by an independent tester, auditor, or regulator
• Escalate identified financial crimes red flags and unusual activity using sound judgement
• Provide support for ad‑hoc projects as assigned

• Two to three years’ experience in BSA/AML compliance within the financial services industry, with direct experience conducting EDD reviews on high‑risk customers
• Experience compiling data, analyzing, and explaining complex ownership structures
• Understanding of financial crimes risks and red flag indicators, with the ability to assess customer risk effectively
• Organizational and time‑management skills to prioritize workload and meet time‑sensitive deadlines
• Ability and willingness to work independently and in a team environment
• Critical thinking and problem‑solving skills
• Excellent organizational and communications skills (verbal and written)
• Ability to perform tasks under pressure in a fast‑paced environment
• Ability to adapt to a dynamic and continuously changing environment
• Soft skills to foster and maintain effective and positive working relationships with colleagues and business partners

• Professional certification such as CAMS, CFCS, CFE, or similar
• Experience performing EDD in one or more of the following areas:
  BaaS/fintech partnerships, prepaid/issuing, commercial customers, MSBs, or other higher‑risk products/industries
• Experience supporting SAR investigations and/or providing well‑developed escalation summaries for investigation teams
• Experience with Actimize or comparable financial crimes case‑management/transaction monitoring tools
• Experience participating in audit/exam readiness activities (evidence gathering, responding to requests, addressing findings)

Salary range: $17.25 hourly – $28 hourly. 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, including but not limited to a candidate’s experience, qualifications, skills, and location. The role is eligible for an annual performance‑based incentive opportunity.

Benefits:
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.

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.