Vice President, BSA/AML Operations - Cases

Pathward, National Association; United States; Hybrid; USD 125,000 - 208,000; 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 Vice President, BSA/AML Operations - Cases to lead SAM case investigations and sustain a compliant BSA/AML program. You will drive governance, metrics, and collaboration across Compliance, Technology, and Data Analytics while ensuring regulatory expectations are met.

You will oversee investigation quality, CDD and screening components, and escalation processes, shaping the organization’s response to financial crime risk.

Qualifications

• Bachelor's degree required; advanced degree or professional certifications (e.g., CAMS) preferred.
• Extensive experience in BSA/AML operations, financial crimes investigations, and SAM programs within a regulated financial institution.
• Demonstrated leadership experience managing managers and large investigative teams.
• Strong working knowledge of Actimize, FCRM, and enterprise transaction monitoring systems.
• Proven ability to engage effectively with regulators, auditors, and senior leadership.
• Exceptional analytical, communication, and organizational skills.

Responsibilities

• Provide direct oversight of SAM case investigations, enhanced due diligence, and escalation activities.
• Manage investigations generated through Actimize and FCRM transaction monitoring systems, as well as manual referrals.
• Oversee operational performance across case volumes, aging, investigation quality, and regulatory responsiveness, ensuring adherence to SLAs and quality standards.
• Serve as a key operational leader within Pathward's FCC Program, partnering with Compliance, Technology, Data Analytics, Program Management, and Assurance functions.
• Support the development, implementation, and maintenance of BSA/AML policies, procedures, and controls.

Skills

Leadership

BSA/AML operations

Actimize

FCRM

Analytical skills

Communication

Organizational skills

Stakeholder management

Education

Bachelor's degree

CAMs preferred

Tools

Actimize

FCRM

Transaction monitoring

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*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 Vice President, BSA/AML Operations - Cases is responsible for the leadership, execution, and oversight of Pathward's Suspicious Activity Monitoring (SAM) case investigation function, ensuring compliance with the Bank Secrecy Act (BSA), AML regulations, and OCC supervisory expectations. This role provides seniorlevel management over the investigation, documentation, and disposition of escalated cases arising from SAMrelated triggers, and ensures that Pathward maintains a wellgoverned, riskbased, and sustainable investigation and reporting framework. Responsible for supporting and enhancing the organization's Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance program.

What You Will Do:

Scope of Responsibility

• Provides direct oversight of managers responsible for SAM case investigations, enhanced due diligence, and escalation activities.
• Oversees case investigations generated through Actimize and FCRM transaction monitoring systems, as well as manual referrals.
• Manages operational performance across case volumes, aging, investigation quality, and regulatory responsiveness, ensuring adherence to established SLAs and quality standards.
• Serves as a key operational leader within Pathward's Financial Crime Compliance (FCC) Program, partnering closely with Compliance, Technology, Data Analytics, Program Management, and Assurance functions.
• Support the development, implementation, and maintenance of comprehensive BSA/AML policies, procedures, and controls
• Assist in overseeing various components of the BSA/AML program including customer due diligence, sanctions screening, AML and sanctions screening, and suspicious activity reporting, where applicable
• Participate in risk assessments to identify and evaluate BSA/AML risks across products, services, customers, and geographic locations
• Collaborate with senior leadership to develop and execute strategic initiatives that enhance program effectiveness

Key Responsibilities

Operational Oversight & Investigations

• Ensure cases are investigated, documented, and dispositioned in accordance with Pathward policies, procedures, and regulatory requirements.
• Maintain accountability for:
  • SAM case investigations and dispositions
  • Identification of suspicious activity and preparation of SAR referrals for the SAR Filing function
  • CTR accuracy and timeliness
  • Escalation of investigations requiring Enhanced Due Diligence (EDD)
• Ensure timely, complete, and defensible responses to:
  • 314(a) information requests
  • Law enforcement inquiries
  • Subpoenas and regulatory requests

Governance, Metrics & Board Reporting

• Develop, maintain, and report key risk indicators (KRIs) and key performance indicators (KPIs) for management committees and the Board, including:
  • Case volumes and aging
  • SLA performance and exceptions
  • SAR referral and investigation outcome trends
  • Staffing capacity and productivity
  • Emerging typologies and risk trends
• Translate operational data into clear, riskfocused narratives aligned with OCC expectations for senior management and Board oversight.

Risk Management & Root Cause Analysis

• Lead root cause analysis for operational issues, trends, or findings, including:
  • Assessment of existing controls and their effectiveness
  • Identification of control gaps and needed enhancements
  • Recommendation of riskbased remediation actions
• Ensure root cause analysis supports sustainable remediation and aligns with Pathward's enterprise risk management framework.

Technology, Data Analytics & Rule Tuning

• Partner with FCC Program Management, Data Analytics, and Technology Assurance to:
  • Support tuning and optimization of SAM rules and scenarios
  • Evaluate alert quality, false positives, and risk coverage
  • Ensure rule changes and system enhancements are appropriately governed, tested, and documented

Policies, Procedures & Talent Development

• Develops corporate and/or organizational policies and authorizes their implementation. Detailed knowledge of company allows for innovative concepts and promoting new ideas. Provides direction to senior managers in various areas, groups, and/or operations. Recognized as an influential leader. Ensure SAMrelated policies, procedures, and investigation standards remain current, accurate, and aligned with regulatory guidance and operational practice.
• Consistently works with abstract ideas or situations across functional areas of the business. Through assessment of intangible variables, identifies and evaluates fundamental issues, providing strategy and direction for major functional areas. Requires in-depth knowledge of the functional area, business strategies, and the company's goals.
• Directs and controls the activities of one or more functional areas, divisions, product groups or service areas through senior managers who have overall responsibility for the successful operation of those assigned areas. Establish and maintain a strong training, quality assurance, and mentorship framework for managers and analysts. Promote a culture of accountability, consistency, and continuous improvement across SAM Case Operations.

What You Will Need:

• Bachelor's degree required; advanced degree or professional certifications (e.g., CAMS) preferred.
• Extensive experience in BSA/AML operations, financial crimes investigations, and SAM programs within a regulated financial institution.
• Demonstrated leadership experience managing managers and large investigative teams.
• Strong working knowledge of Actimize, FCRM, and enterprise transaction monitoring systems.
• Proven ability to engage effectively with regulators, auditors, and senior leadership.
• Exceptional analytical, communication, and organizational skills.

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

Salary range: $125,000- $208,000

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

• annual performance-based incentive opportunity.
• health insurance
• 401(k) retirement benefits
• life insurance
• disability benefits
• paid time off
• and more.

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.

We provide equal employment opportunity (EEO) to all employees and applicants for employment without regard to race, sex, national origin, ethnicity, age (age 40 and over), disability, or any other category protected by law.

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.

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.