Director, Business Risk Advisor

Pathward, N.A.; Sioux Falls (SD); Hybrid; USD 104,000 - 174,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, N.A. seeks an experienced Business Risk Group advisor embedded within the business. You will provide risk-focused guidance on products, partnerships, and initiatives while coordinating with Compliance, Legal, and Risk teams.

You will assess regulatory requirements, interpret expectations, and develop well-supported risk positions for regulators, auditors, and executives. Hybrid work model and onsite locations are available.

Qualifications

• Bachelor's degree or equivalent required; master's preferred.
• 12+ years of related experience.
• Strong written and verbal communication.

Responsibilities

• Partner with internal/external stakeholders to assess new products and models.
• Advise on complex risk and regulatory matters with practical solutions.
• Investigate root causes and use risk-based reasoning.
• Leverage data and analytics to support decision-making.
• Interpret laws and translate into actionable requirements.
• Present findings and regulatory positions to leadership and regulators.
• Foster a culture of continuous learning in risk management.
• Perform other duties as assigned.

Skills

Risk assessment

Regulatory compliance

Stakeholder communication

Analytical thinking

Regulatory interpretation

Education

Bachelor's degree

Master's degree preferred

Job description

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Scottsdale, 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*SMARTapproach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role:

This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. The role provides risk‑focused guidance on products, partnerships, and strategic initiatives, helping the business make informed decisions while balancing risk and opportunity. The individual collaborates extensively with second line stakeholders, including Compliance, BSA/AML, Risk, and Legal, to align business activities with regulatory expectations and sound risk management practices. Responsible for providing expert risk, regulatory, and compliance advisory services on complex financial services activities, products, and partnerships. This role evaluates new and existing business opportunities in alignment with the bank’s risk appetite and framework. The role assesses regulatory requirements, interprets legal and regulatory expectations, and develops well‑supported risk positions that can withstand scrutiny from regulators, auditors, legal counsel, and external stakeholders. The individual serves as a trusted advisor to business, compliance, legal, and executive leadership by delivering practical, risk‑based solutions to complex and novel challenges.

What You Will Do:

• Partners directly with internal stakeholders and external partners , including fintechs and third‑party organizations to assess new products, programs, and business models, delivering risk and regulatory guidance that supports innovation while ensuring compliance with applicable laws, regulations, and risk management expectations.
• Advise leadership, legal, compliance, and business partners on complex risk and regulatory matters, providing practical solutions that balance innovation, customer experience, and risk management.
• Challenge assumptions, investigate root causes, and apply critical thinking to resolve ambiguous or novel issues using a reasoned, risk‑based approach.
• Leverage data, research, and analytical methodologies to support decision‑making and strengthen risk governance.
• Interpret laws, regulations, examination guidance, and regulatory expectations and translate them into actionable business and risk requirements.
• Present findings, recommendations, and regulatory positions to senior leadership, auditors, regulators, and other stakeholders.
• Foster a culture of intellectual curiosity, continuous learning, and thoughtful risk management.
• Perform other duties as assigned.

What You Will Need:

• Bachelor's degree or equivalent education and work experience. Master's degree preferred.
• Typically requires a minimum of 12 years of related experience with a bachelor’s or equivalent.
• Strong organizational skills.
• Written & verbal communications skills.

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

Salary range: $104,000– $174,000

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.

Who we are:

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.