Senior SAR/CTR Analyst - FinCEN Filing (Hybrid)

Pathward, N.A.; Phoenix (AZ); 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, N.A. is seeking a Senior Analyst, SAR / CTR Filing to prepare and file SARs and CTRs with FinCEN, ensuring examiner-ready narratives and timely regulatory submissions. This hybrid role requires precision in SAR/CTR documentation and ongoing activity monitoring.

You will work with FinCEN BSA E-Filing, case-management tools, and cross-functional teams to coordinate SARs from investigations and external escalations, while maintaining logs for audits and examinations.

Qualifications

• Bachelor's degree preferred; equivalent work experience considered.
• CAMS preferred; if not held, expected to obtain within 12 months of hire.
• 3–5 years of SAR drafting, CTR filing, or BSA/AML investigations experience.
• Hands-on experience with FinCEN BSA E-Filing and case-management systems.
• Working knowledge of SAR/CTR thresholds, continuing-activity requirements, and FinCEN guidance.
• Advanced narrative-writing skills and precision in regulatory filing.
• Strong attention to detail and deadline discipline.
• Knowledge of SAR/CTR requirements and continuing-activity monitoring.
• Working knowledge of Excel data analysis and SharePoint.
• Collaborative and quality-focused orientation.

Responsibilities

• Prepare and e-file SARs and CTRs with FinCEN accurately and within regulatory deadlines.
• Author SAR narratives at examiner-ready standard, applying the OCC five-element documentation baseline and the Knowledgeable Third-Party Standard.
• Perform continuing-activity reviews and file continuing-activity SARs on the 90-day cycle from originally filed reports.
• Validate CTR data, manage exemptions where applicable, and ensure filing completeness and accuracy.
• Maintain filing logs, tracking, and evidence to support audit and examination requests.
• Coordinate with Cases and Complex Investigations on SARs surfaced from investigations and from external/consultant escalations.
• Identify SAR filing trends and continuing-activity patterns; elevate observations to the SAR Lead.

Skills

SAR drafting

CTR filing

BSA/AML investigations

FinCEN BSA E-Filing

Excel data analysis

SharePoint

Education

Bachelor's degree

CAMS

Tools

FinCEN BSA E-Filing

Case-management systems

Job description

Pathward, N.A. is seeking a Senior Analyst, SAR / CTR Filing to prepare and file SARs and CTRs with FinCEN, ensuring examiner-ready narratives and timely regulatory submissions. This hybrid role requires precision in SAR/CTR documentation and ongoing activity monitoring.

You will work with FinCEN BSA E-Filing, case-management tools, and cross-functional teams to coordinate SARs from investigations and external escalations, while maintaining logs for audits and examinations.