Manager, BSA/AML Operations – Cases

This is a fully remote position, open to applicants in United States.

📋 Description

• Provide daily leadership, execution, and oversight of the Suspicious Activity Monitoring case investigation process.

• Ensure adherence to the Bank Secrecy Act, AML regulations, and OCC supervisory expectations.

• Directly oversee the investigation, documentation, and resolution of escalated SAM-related cases.

• Support and enhance Pathward’s BSA/AML compliance program.

• Supervise analysts conducting SAM case investigations, enhanced due diligence, and escalations.

• Manage investigations arising from transaction monitoring systems and manual referrals.

• Oversee case volumes, aging, investigation quality, regulatory responsiveness, SLAs, and quality standards.

• Collaborate with Alerts and SAR Filing teams, Compliance, Technology, Data Analytics, Program Management, and Assurance functions.

• Develop, implement, and maintain BSA/AML policies, procedures, desktop procedures, and controls.

• Support customer due diligence, sanctions screening, suspicious activity identification, and BSA/AML risk assessments.

• Ensure investigations are conducted, documented, and resolved in compliance with policy and regulatory requirements.

• Oversee suspicious activity identification, SAR referrals, CTR accuracy and timeliness, EDD escalations, and responses to 314(a) requests, law-enforcement inquiries, subpoenas, and regulatory requests.

• Monitor queues and workload distribution; manage and escalate backlogs as necessary.

• Lead, coach, develop, and manage the performance of analysts.

• Conduct and oversee quality reviews of investigations and SAR referrals.

• Compile and report KRIs and KPIs for management and Board reporting.

• Transform operational data into risk-focused narratives for senior management and Board oversight.

• Support root-cause analysis, control-effectiveness assessments, control-gap identification, and risk-based remediation.

• Collaborate with Program Management, Data Analytics, and Technology Assurance on SAM rule and scenario tuning, alert/case quality, and governance documentation.

• Maintain SAM case procedures, checklists, sample narratives, and reference guides.

• Facilitate analyst training, quality assurance, mentorship, and professional development.

⛳️ Requirements

• Bachelor’s degree is required.

• Professional certifications such as CAMS are preferred.

• Substantial experience in BSA/AML operations, financial crimes investigations, and SAM programs within a regulated financial institution.

• Proven experience leading or supervising analysts.

• Working knowledge of Actimize, FCRM, and enterprise transaction monitoring systems.

• Strong analytical, communication, and organizational abilities.

• Ability to manage queues, SLAs, and staff capacity effectively.

• Familiarity with card issuing/prepaid products and load/spend typologies.

• Understanding of tax products, refund transfers, taxpayer advances, tax-office loans, and IRS/ERO funds flows.

• Knowledge of acquiring, merchant/ISO/payment-facilitator activity, transaction laundering, and ATM cash-access typologies.

• Familiarity with digital payments and faster payments, including Visa Direct, Mastercard Send, P2P, and cross-border rails.

• Understanding of consumer lending, commercial finance, and commercial deposits.

• Knowledge of the Bank-vs-Program-Manager framework.

🏝️ Benefits

• Annual performance-based incentive opportunity.

• Health insurance.

• 401(k) retirement benefits.

• Life insurance.

• Disability benefits.

• Paid time off.

• Comprehensive benefits package for eligible employees.