Analyst, BSA/ AML Operations

Pathward Financial, Inc.

Job Overview

Location

Remote

Job Type

Full-time

Full Job Description

📋 Description

• Conduct investigations of merchant-level transactional activity to identify potential suspicious behavior and financial crime risk within Pathward’s acquiring portfolio.
• Analyze merchant transaction data including payment flows, authorization patterns, MCC codes, chargeback ratios, refund activity, and settlement behavior to detect anomalies and red flags.
• Investigate and evaluate merchant acquiring-specific typologies such as transaction laundering/factoring, merchant misclassification, prohibited merchant activity, chargeback misrepresentation, load balancing, BIN attacks, velocity attacks, and MID-cycling/BIN-hopping.
• Prepare and file Suspicious Activity Reports (SARs) with clear, well-structured narratives that articulate merchant-specific facts, transaction amounts, and typology indicators in compliance with FinCEN requirements.
• Accurately and timely file Currency Transaction Reports (CTRs) in accordance with regulatory standards and Pathward procedures.
• Review and investigate partner referrals and escalations involving sponsored merchants, sub-merchants, and payment facilitators.
• Document all investigative findings clearly and accurately within Actimize case management systems.
• Meet defined service level agreements (SLAs), productivity expectations, and quality standards for the merchant acquiring workstream.
• Escalate high-risk or complex matters to the Manager, including MATCH list entries, card network monitoring program flags, suspected terrorist financing through merchant fronts, and undisclosed sub-program activity.
• Maintain current knowledge of BSA/AML regulations, OFAC requirements, FinCEN guidance, card network rules, and evolving merchant acquiring fraud and money laundering typologies.
• Collaborate with BSA/AML peers, Fraud Operations, and partner oversight teams to ensure comprehensive risk coverage across merchant acquiring channels.
• Apply risk-based judgment to prioritize and resolve alerts and cases generated from transaction monitoring systems.
• Ensure all reporting and documentation aligns with internal policies and federal regulatory expectations for financial crime compliance.

🎯 Requirements

• Bachelor’s degree in Finance, Criminal Justice, Accounting, Business, or related field
• 1–3 years of experience in BSA/AML investigations, transaction monitoring, fraud operations, or financial crimes compliance
• Knowledge of merchant acquiring risks including transaction laundering, MCC misclassification, chargeback fraud, and prohibited merchant categories
• Familiarity with Actimize, FCRM, or similar transaction monitoring and case management platforms
• Working knowledge of BSA/AML regulations, SAR/CTR filing requirements, and FinCEN guidance
• Excellent written communication skills, particularly in drafting SAR narratives

🏖️ Benefits

• Annual performance-based incentive opportunity
• Comprehensive benefits package including health insurance, 401(k) retirement benefits, life insurance, and disability benefits
• Paid time off
• Remote work flexibility with hybrid office options in Sioux Falls, SD; Scottsdale, AZ; Louisville, KY; Troy, MI; Franklin, TN; and Easton, PA

Skills & Technologies

Remote

$43k-70k

Degree Required

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Pathward Financial, Inc.

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About Pathward Financial, Inc.

Pathward Financial, Inc. is a U.S.-based bank holding company providing commercial banking, prepaid card issuing, consumer lending, and payment processing services through its subsidiary MetaBank. It serves consumers, businesses, and government agencies with deposit products, treasury management, and specialized financial technology solutions, operating a nationwide branch-light model that leverages digital platforms and strategic partnerships to deliver banking-as-a-service capabilities.

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