BSA / AML / OFAC Compliance Auditor II

BSA / AML / OFAC Compliance Auditor II

Performs risk-based audits including operational, financial, compliance, and BSA / AML to enhance governance, risk management and control effectiveness. Assists in the planning and execution of complex, risk-based audits and applies expertise in financial crimes compliance BSA / AML, OFAC to assess governance, risk management, and control effectiveness across Pathward's products, services, and third-party relationships.

What You Will Do :

• Execute audit testing aligned with risk-based priorities and enterprise objectives.
• Support audits across diverse domains including payments and money movement (ACH / Wires / RTP), consumer compliance, third party risk management, and model risk.
• Apply audit methodology and leverage data analytics tools to enhance audit precision and insight.
• Analyze data for control gaps, fraud indicators, and regulatory non-compliance using structured techniques.
• Evaluate key BSA / AML processes such as CIP, KYC, CDD, EDD, customer risk rating, watchlist screening, transaction monitoring, investigations, SAR / CTR obligations, and record keeping across platforms and partners.
• Assess sanctions (OFAC) compliance : governance, interdiction alert handling, escalation, and intersections across payments and money movement rails.
• Provide clear, concise, and appropriate documentation of work performed, issues, and observations using oral and written forms of communication.
• May provide data for compilation of reports for Pathward Audit and regulatory compliance.
• Research and advise on audit services in a wide range of bank product and service lines, including those with BSA / AML implications.
• Participate in business and departmental projects that require analytical and risk assessment skills, including those related to financial crimes and third-party risk oversight.
• Stay abreast of emerging issues involving internal audit, changes to federal and state banking laws, and evolving laws and regulations that could impact the organization, particularly with BSA / AML and sanctions, BaaS, third party risk, prepaid products and / or deposit products, consumer payment applications / wallets, and / or digital or electronic payments processing / processors. Other duties as assigned.
• Exemplify ethics and judgment : integrity, objectivity, confidentiality, and sound judgment under uncertainty / complexity.
• Other duties as assigned.

What You Will Need :

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

Salary range : $50,000 $84,000

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 candidate's 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.

Don't have everything listed under qualifications? If you're excited about this role but your experiences don't 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.

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.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

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