BSA/AML/OFAC Compliance Auditor III

About the Role:

Independently plans and executescomplex, riskbased auditswith a primary focus onBSA/AML, sanctions

(OFAC), and Partner Solutions (embedded finance/"BaaS"). The role applies deep financialcrimes and partneroversight expertise to assess governance, risk management, and control effectiveness across Pathward's products, services, and thirdparty ecosystems. Leveraging sound judgment, datadriven analysis, and plainlanguage storytelling, this position develops actionable insights, influences senior stakeholders, and drives continuous improvement, while adhering to the IIA Standards and Pathward's Internal Audit methodology, and expectations from regulatory bodies such as the OCC and FinCEN.

While the core emphasis is on financialcrimes and partnerbanking risks, this position will alsolead audits in adjacent domains(e.g., operations, payments and money movement, consumer compliance)as business needs dictate. The ideal candidate thrives in ambiguity, navigates complex business models and technology stacks, and communicates with clarity and empathy to build trust and deliver highquality outcomes. Experience engaging with regulatory bodies is highly valued.

What You Will Do:

• Plan and lead endtoend, riskbased audits(planning, fieldwork, reporting, and followup).
• Set clear objectives/scope/criteria;identify key risks and controls; tailor procedures to business model and risk profile;deliver on time with high quality.
• Evaluate BSA/AML program pillars, governance and oversight, risk assessments, internal controls, policies and standards, training, and monitoring/quality assurance.
• Test financialcrimes processes:CIP/KYC/CDD/EDD, customer risk rating, watchlist screening, transaction monitoring, investigations,SAR/CTRobligations, model validation and coverage, andrecordkeepingacross platforms and partners.
• Assess sanctions (OFAC) compliance:governance, interdiction, alert handling, escalation, and intersections across payments and moneymovement rails.
• Audit Partner Solutions (BaaS) and related third-party oversight including BSA/AML and OFAC compliance across the partner lifecycle: due diligence, onboarding, ongoing monitoring, change management, issue management, and termination.
• Review BSA/AML and OFAC third-party risk classification, oversight practices, and compliance reporting for sufficiency, accuracy, and decision usefulness.
• Use data analytics, where possible,to profile population risk, select samples, and detect anomalies across screening, monitoring, disputes, and partner portfolios.
• Evaluate enterprise interdependencies affecting BSA/AML and OFAC by testing data from source to report, testing ownership and SLAs at handoffs, and identifying gaps so processes are reliable, wellcontrolled, and decisionuseful.
• Assess rules/models/scenarios and data pipelines:change control, documentation, performance monitoring/backtesting, anddata lineage/integritysupporting BSA/AML and OFAC.
• Produce clear, evidencebased findingswith rootcause analysis, business impact, and prioritized action plans;challenge management responsesandvalidate remediation(including regulatory items) for sustained effectiveness.
• Engage stakeholders constructively(business leaders, Compliance, Risk, Technology); present concise, executiveready narratives/visuals;escalate emerging risks promptlyand tailor messaging to audiences (working groups, executives, committees).
• Lead nonfinancialcrimes auditsas needed (e.g., payments and money movement (ACH/wires/RTP)), consumer compliance, thirdparty risk management, and model risk-applying the same riskbased methodology and clear, audience-tailored reporting.
• Coordinate cosourced providers,ensuring adherence to methodology, templates, workpaper quality, and delivery timelines.
• Support annual risk assessment and audit planningwith insights on regulatory themes, partner risks, product/technology changes, and data/controls maturity.
• Exemplify ethics and judgment:integrity, objectivity, confidentiality, and sound judgment under uncertainty/complexity.
• Demonstrate strong interpersonal effectiveness:active listening, constructive feedback, patience and perseverance, collaborative relationships, compassion and respect,customer focus, and disciplined planning to achieve audit goals.
• 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.
• Assist in the development of less-experienced staff through the review of audit work papers and timely feedback.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree in a relevant field (e.g., Accounting, Finance, Business, or related displace), or equivalent education and work
• Professional certifications such as: CAMS, CFE, CIA, CRMA, and/or CPA preferred. Additional credentials in BSA/AML, or sanctions compliance are a plus.
• 5+ yearsof relevant experience in internal audit, compliance, or risk within financial services.
• Demonstrated strength in BSA/AML, sanctions, and partner/thirdparty oversight.
• Ability to pivot and lead audits in adjacent domains.
• Proficiency with datacentric testing and visualization techniques; strong written and verbal communication.

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

Salary range: $72,000 - $120,000

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 health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

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