[Remote] Compliance Auditor II - BSA/AML/OFAC

Note: The job is a remote job and is open to candidates in USA. Pathward is a financial empowerment company focused on creating financial inclusion for all. The Compliance Auditor II will perform risk-based audits, including operational, financial, compliance, and BSA/AML, to enhance governance and control effectiveness across the company's products and services.

Responsibilities

• Execute audit testing aligned with risk-based priorities and enterprise objectives
• Support audits across diverse domains including payments and money movement (ACH/Wires/RTP), consumer compliance, third party risk management, and model risk
• Apply audit methodology and leverage data analytics tools to enhance audit precision and insight
• Analyze data for control gaps, fraud indicators, and regulatory non-compliance using structured techniques
• Evaluate key BSA/AML processes such as CIP, KYC, CDD, EDD, customer risk rating, watchlist screening, transaction monitoring, investigations, SAR/CTR obligations, and record keeping across platforms and partners
• Assess sanctions (OFAC) compliance: governance, interdiction alert handling, escalation, and intersections across payments and money movement rails
• Provide clear, concise, and appropriate documentation of work performed, issues, and observations using oral and written forms of communication
• May provide data for compilation of reports for Pathward Audit and regulatory compliance
• Research and advise on audit services in a wide range of bank product and service lines, including those with BSA/AML implications
• Participate in business and departmental projects that require analytical and risk assessment skills, including those related to financial crimes and third-party risk oversight
• Stay abreast of emerging issues involving internal audit, changes to federal and state banking laws, and evolving laws and regulations that could impact the organization, particularly with BSA/AML and sanctions, BaaS, third party risk, prepaid products and/or deposit products, consumer payment applications/wallets, and/or digital or electronic payments processing/processors. Other duties as assigned
• Exemplify ethics and judgment: integrity, objectivity, confidentiality, and sound judgment under uncertainty/complexity
• Other duties as assigned

Skills

• Bachelor's degree in a relevant field (e.g., Accounting, Finance, Business, or related discipline), or equivalent education and work
• Up to 3+ years of relevant experience with bachelor's degree or equivalent
• Demonstrated ability in assessing BSA/AML, sanctions, and partner/third-party oversight
• Expertise in BSA/AML and sanctions: Applies deep knowledge of laws, regulations, and industry standards to assess risk and controls
• Analytical thinking: Evaluates complex issues, identifies root causes, and develops practical solutions
• Sound judgment: Makes informed decisions based on analysis, experience, and risk considerations
• Prioritization and execution: Focuses on high-impact tasks, manages time effectively, and meets deadlines without compromising quality
• Adaptability: Navigates ambiguity and shifting priorities with resilience and composure
• Communication: Delivers clear, concise, and audience-appropriate messages; listens actively and provides constructive feedback
• Ethics and integrity: Upholds organizational values, maintains confidentiality, and earns trust through consistent actions
• Customer focus: Understands stakeholder needs and strives to exceed expectations
• Planning and organization: Structures work efficiently, aligning resources to achieve audit objectives
• Emotional intelligence: Demonstrates empathy, patience, and respect in all interactions; adapts communication style to build trust and rapport
• Professional certifications such as: CAMS, CFE, CIA, CRMA, and/or CPA preferred
• Experience in internal audit, compliance, or risk within financial services preferred
• Additional credentials in BSA/AML, or sanctions compliance are a plus

Benefits

• Health insurance
• 401(k) retirement benefits
• Life insurance
• Disability benefits
• Paid time off
• And more

Company Overview

• Pathward is a financial firm that provides investment strategies to promote business growth for organizations. It was founded in 1954, and is headquartered in Sioux Falls, South Dakota, USA, with a workforce of 1001-5000 employees. Its website is https://www.pathward.com.

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