High Risk AML CFT Investigations II

Pathward; United States; Hybrid; USD 50,000 - 84,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward is seeking an EDD Analyst to perform due diligence reviews on high-risk customers across retail banking, commercial lending, prepaid/issuing programs, and BaaS partnerships. The role ensures timely assessment, thorough documentation, and ongoing monitoring in line with BSA/AML regulatory requirements.

Responsibilities include completing EDD reviews, conducting open-source data searches, analyzing transactions, preparing clear narratives, escalating red flags, and supporting ad-hoc

Qualifications

• Bachelor’s degree required
• 2–3 years in BSA/AML compliance with EDD on high-risk customers
• Experience compiling data and explaining complex ownership structures
• Knowledge of financial crime risks and red flags
• Strong organizational and time-management skills
• Ability to work independently and in a team
• Excellent verbal and written communications skills

Responsibilities

• Complete EDD reviews for alerts within defined timeframes
• Conduct open-source data searches to assess customers and related parties
• Analyze transactional data to identify red flags or inconsistencies
• Prepare clear customer narratives for testers, auditors or regulators
• Escalate red flags using sound judgement
• Support ad-hoc projects as assigned

Skills

BSA/AML compliance

EDD reviews

Open-source research

Analytical thinking

Time management

Independent work

Communication skills

Critical thinking

Adaptability

Team collaboration

Education

CAMS, CFCS, CFE or similar

Bachelor’s degree

Tools

Actimize

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 are a 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*SMART approach, 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

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 spanning retail banking, commercial lending, prepaid/issuing programs, and Banking‑as‑a‑Service (BaaS) partnerships. This role supports efforts to ensure 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.

What You Will Do

• 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 as appropriate
• Analyze transactional data within a given timeframe and identify any potential red flags or inconsistencies
• Organize and synthesize information compiled 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

What You Will Need

• Bachelor’s degree required
• 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 use knowledge to assess customer risk effectively
• Organizational and time management skills to appropriately prioritize workload and meet time‑sensitive deadlines
• Ability and willingness to work independently and in a team environment are required
• Critical thinking and problem‑solving skills are a must
• Excellent organizational and communications skills (verbal and written)
• Ability to perform tasks under pressure and in 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

Preferred Qualifications

• 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 investigations teams
• Experience with Actimize or comparable financial crimes case management/transaction monitoring tools
• Experience participating in audit/exam readiness activities (e.g., evidence gathering, responding to requests, addressing findings) within a regulated financial

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.

#LI‑Remote

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.

Please click here https://www.pathward.com/about-us/people-culture/careers/ to learn more about our benefits and review information about our Privacy Policy, affirmative action plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing [e-mail].

Please click here https://www.pathward.com/content/dam/pathward/us/en/documents/pdfs/Pathward_Applicant_Privacy_Notice.pdf to view Pathward’s Applicant Privacy Notice.

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.