Analyst – Case Operations

Summary

Pathward is a financial empowerment company focused on increasing financial availability, choice, and opportunity. The Analyst, Case Operations investigates, documents, and dispositions Suspicious Activity Monitoring cases while supporting the company’s BSA/AML and sanctions compliance program. The role also supports risk assessments, regulatory responses, quality assurance, root cause analysis, and collaboration on data analytics and transaction-monitoring rule tuning.

Responsibilities

• Conducts SAM case investigations, enhanced due diligence, and escalation activities
• Investigates cases generated through transaction monitoring systems, as well as manual referrals
• Executes day-to-day case work across case volumes, aging, investigation quality, and regulatory responsiveness, ensuring adherence to established SLAs and quality standards
• Serves as a first-line individual contributor within the BSA/AML & Sanctions Operations team and Pathward’s Financial Crime Compliance (FCC) Program, partnering closely with the Alerts and SAR Filing teams, Compliance, Technology, Data Analytics, Program Management, and Assurance functions
• Supports the development, implementation, and maintenance of BSA/AML policies, procedures, desktop procedures, and controls for the case function
• Assists in executing components of the BSA/AML program including customer due diligence, sanctions screening, and suspicious activity identification, where applicable
• Contributes to risk assessments to identify and evaluate BSA/AML risks across products, services, customers, and geographic locations
• Investigate, document, and disposition cases in accordance with Pathward policies, procedures, and regulatory requirements
• 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)
• Timely, complete, and defensible responses to 314(a) information requests, law enforcement inquiries, subpoenas, and regulatory requests
• Manage assigned queues and workload to ensure cases remain within SLA and proactively escalate potential backlogs
• Participate in coaching, feedback, and continuous learning to strengthen investigation skills and consistency
• Perform self-review and support quality review of investigations and SAR referrals to ensure consistency, completeness, and defensibility
• Contribute to a culture of accountability, consistency, and continuous improvement across SAM Case Operations within the BSA/AML & Sanctions Operations team
• Document investigation outcomes in clear, risk-focused narratives aligned with OCC expectations for senior management and Board oversight
• Support root cause analysis for operational issues, trends, or findings, including identification of control gaps and recommendation of risk-based remediation actions
• Support remediation activities that are sustainable and aligned with Pathward’s enterprise risk management framework
• Partner with FCC Program Management, Data Analytics, and Technology Assurance by providing feedback on SAM rules and scenarios, evaluating alert and case quality, and supporting appropriately governed, tested, and documented rule changes
• Follow and provide feedback on SAM case-related procedures, desktop procedures, checklists, sample narratives, and reference guides to help ensure they remain current, accurate, and aligned with regulatory guidance and operational practice
• Participate in training, quality assurance, and mentorship, promoting professional growth and consistent execution

Skills

• Bachelor's degree required
• Experience in BSA/AML operations, financial crimes investigations, and SAM programs within a regulated financial institution
• Demonstrated experience conducting case investigations and preparing SAR referrals
• Working knowledge of Actimize, FCRM, and enterprise transaction monitoring systems
• Strong analytical, communication, and organizational skills, with the ability to manage queues, SLAs, and personal workload
• Professional certifications (e.g., CAMS) preferred

Qualifications

Must Haves

• Bachelor's degree required
• Experience in BSA/AML operations, financial crimes investigations, and SAM programs within a regulated financial institution
• Demonstrated experience conducting case investigations and preparing SAR referrals
• Working knowledge of Actimize, FCRM, and enterprise transaction monitoring systems
• Strong analytical, communication, and organizational skills, with the ability to manage queues, SLAs, and personal workload

Nice to Haves

• professional certifications (e.g., CAMS) preferred

Benefits

• This role is also eligible for an annual performance-based incentive opportunity.
• Health insurance
• 401(k) retirement benefits
• Life insurance
• Disability benefits
• Paid time off