Senior Investigator - Complex Financial Crimes (Remote)

Pathward, National Association; Charlotte (NC); Hybrid; USD 60,000 - 101,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, National Association is seeking a Senior Analyst, Complex Investigations to lead high-risk financial crime investigations across AML, Sanctions and Fraud, producing defensible SAR narratives and robust case documentation.

You will analyze transactional data, KYC/CDD information, and open-source data to draw sound conclusions, coach junior analysts, and ensure regulator-ready outputs within established governance frameworks.

Qualifications

• Bachelor's degree in Finance, Criminal Justice, Accounting, Business, or related field.
• CAMS or equivalent AML certification strongly preferred.
• Advanced certifications (e.g., CFE, CFCS) a plus.
• 5+ years of BSA/AML, Sanctions, or Fraud investigations experience.
• Demonstrated ability to independently investigate multi-account, multi-entity, and cross-product matters.
• Strong knowledge of financial-crime typologies, transaction monitoring systems (e.g., Actimize, FCRM), and watchlist/screening tools (e.g., Bridger).

Responsibilities

• Independently conduct complex and high-risk investigations across products and customer types.
• Draft clear, complete, and defensible SAR narratives and decisioning.
• Coordinate with AML, Fraud, Sanctions, Compliance Advisory, Legal, and Technology teams on complex scenarios.
• Coach and mentor less-experienced analysts; support onboarding and training initiatives.
• Contribute to continuous improvement of procedures and reference guides based on case insights.

Skills

Complex investigations

SAR narratives

KYC/CDD analysis

Financial crime typologies

Cross-functional collaboration

Education

Bachelor's degree (Finance, Criminal Justice, Accounting, Business, or related)

Tools

Actimize

FCRM

Bridger

Job description

Pathward, National Association is seeking a Senior Analyst, Complex Investigations to lead high-risk financial crime investigations across AML, Sanctions and Fraud, producing defensible SAR narratives and robust case documentation.

You will analyze transactional data, KYC/CDD information, and open-source data to draw sound conclusions, coach junior analysts, and ensure regulator-ready outputs within established governance frameworks.