Senior Analyst, Quality Control — BSA/AML & Sanctions Operations

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

Benefits offered by this job

Performance incentive

Health insurance

401(k)

Life insurance

Disability benefits

Paid time off

Job summary

Pathward is seeking a Senior Analyst, Quality Control to perform independent quality review across BSA/AML and sanctions operations, alert reviews, and case investigations.

The role focuses on consistent documentation, objective feedback, and maintaining ready-to-audit evidence while preserving independence and non-production disposition authority.

Qualifications

• Bachelor's degree preferred; equivalent work experience considered.
• CAMS preferred; if not held, expected to obtain within 12 months of hire.
• 5+ years of BSA/AML alert review, investigations, or QC/QA experience.
• Proficiency with Actimize, FCRM, and/or Bridger and case-management workflows.
• Prior quality-review, peer-review, or independent-testing exposure preferred.
• Strong analytical and pattern-recognition skills with an eye for documentation quality.
• Objectivity and consistency in applying sampling and error-taxonomy standards.
• Clear written communication at examiner-ready standard.
• Working knowledge of Excel data analysis and SharePoint.
• Collaborative, constructive feedback orientation.

Responsibilities

• Execute the weekly QC sample across alerts, cases, complex investigations, merchant acquiring, and sanctions dispositions.
• Assess each item against the five-element documentation baseline and the Knowledgeable Third‑Party Standard.
• Classify findings using the error taxonomy (critical, significant, administrative) and document rationale clearly and consistently.
• Provide constructive, objective feedback to analysts and investigators; participate in monthly calibration sessions.
• Identify recurring quality themes and elevate to the QC Lead for thematic review and effective‑challenge follow‑up.
• Maintain QC working papers in the results repository; support audit and examination requests with evidence of review.
• Preserve independence, perform read‑only review only, with no production disposition authority.

Skills

Analytical thinking

Pattern recognition

Written communication

Feedback orientation

Collaboration

Excel analysis

SharePoint

Education

Bachelor's degree preferred

CAMS preferred

Tools

Actimize

FCRM

Bridger

Excel

SharePoint

Case management workflows

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 strong 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 Senior Analyst, Quality Control performs independent quality review across BSA/AML and Sanctions Operations, alerts, cases, complex investigations, merchant acquiring, and sanctions dispositions. Using UAT‑measured review times, the Senior Analyst executes the weekly QC sample, classifies findings against the error taxonomy, and provides objective, examiner‑ready feedback that improves narrative and disposition quality without holding production disposition rights.

What You Will Do:

• Execute the weekly QC sample across alerts, cases, complex investigations, merchant acquiring, and sanctions dispositions.
• Assess each item against the five-element documentation baseline and the Knowledgeable Third‑Party Standard.
• Classify findings using the error taxonomy (critical, significant, administrative) and document rationale clearly and consistently.
• Provide constructive, objective feedback to analysts and investigators; participate in monthly calibration sessions.
• Identify recurring quality themes and elevate to the QC Lead for thematic review and effective‑challenge follow‑up.
• Maintain QC working papers in the results repository; support audit and examination requests with evidence of review.
• Preserve independence, perform read‑only review only, with no production disposition authority.

What You Will Need:

• Bachelor s degree preferred; equivalent work experience considered.
• CAMS preferred; if not held, expected to obtain within 12 months of hire.
• 5+ years of BSA/AML alert review, investigations, or QC/QA experience.
• Proficiency with Actimize, FCRM, and/or Bridger and case‑management workflows.
• Prior quality‑review, peer‑review, or independent‑testing exposure preferred.
• Strong analytical and pattern‑recognition skills with an eye for documentation quality.
• Objectivity and consistency in applying sampling and error‑taxonomy standards.
• Clear written communication at examiner‑ready standard.
• Working knowledge of Excel data analysis and SharePoint.
• Collaborative, constructive feedback orientation.

Products and Services Knowledge

Quality review is only reliable when the reviewer understands the product behind each alert or case. The Senior Analyst, Quality Control is expected to recognize product‑specific red flags and confirm that dispositions reflect them across:

• Card Issuing / Prepaid, GPR, payroll, corporate disbursement, gift, and government/student cards, including source‑of‑funds and customer vs. non‑customer designations.
• Acquiring (Merchant and ATM), merchant/ISO/payment‑facilitator and ATM cash‑access typologies.
• Tax Products, refund‑transfer and advance activity and related seasonal typologies.
• Digital Payments and Faster Payments (Visa Direct / Mastercard Send), push/pull disbursement dispositions.
• Sanctions (OFAC / 314(a) / PEP), screening dispositions and match/no‑match documentation standards.

center; 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.

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.

We encourage you to be cautious of hiring scams that impersonate Pathward. Copy span span a c d e f g h i j k l m n o q r s t v w x y z ab ac ae af ag ah ai aj ak and paste the following URL into your browser to learn more: a ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn https://www.pathward.com/about-us/people-culture/careers/