Compliance Auditor II - BSA/AML/OFAC

About the Role:

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:

• Bachelor's degree in a relevant field (e.g., Accounting, Finance, Business, or related displace), or equivalent education and work
• Professional certifications such as: CAMS, CFE, CIA, CRMA, and/or CPA preferred. Additional credentials in BSA/AML, or sanctions compliance are a plus.
• Up to 3+ years of relevant experience with bachelor’s degree or equivalent.
• Demonstrated ability in assessing BSA/AML, sanctions, and partner/third-party oversight.
• Experience in internal audit, compliance, or risk within financial services preferred.
• Expertise in BSA/AML and sanctions: Applies deep knowledge of laws, regulations, and industry standards to assess risk and controls.
• Analytical thinking: Evaluates complex issues, identifies root causes, and develops practical solutions.
• Sound judgment: Makes informed decisions based on analysis, experience, and risk considerations.
• Prioritization and execution: Focuses on high-impact tasks, manages time effectively, and meets deadlines without compromising quality.
• Adaptability: Navigates ambiguity and shifting priorities with resilience and composure.
• Communication: Delivers clear, concise, and audience-appropriate messages; listens actively and provides constructive feedback.
• Ethics and integrity: Upholds organizational values, maintains confidentiality, and earns trust through consistent actions.
• Customer focus: Understands stakeholder needs and strives to exceed expectations.
• Planning and organization: Structures work efficiently, aligning resources to achieve audit objectives.
• Emotional intelligence: Demonstrates empathy, patience, and respect in all interactions; adapts communication style to build trust and rapport.

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.

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