Manager, Complex Investigations Unit – BSA/AML & Sanctions Operations

This is a fully remote position, open to applicants in Arizona, +5 more states.

📋 Description

• Oversee a team of investigators tasked with examining, probing, and resolving intricate and high-stakes financial crime issues related to AML, Sanctions, and Fraud.

• Supervise the intake, distribution, workload management, coverage, and resolution of complex investigations.

• Act as the primary escalation point for urgent and high-severity situations on a daily basis.

• Implement escalation and routing criteria for recurring SAR subjects, ongoing activity, and matters referred by examiners, audits, or enforcement.

• Recognize emerging patterns, thematic concerns, and potential control deficiencies, escalating them with thorough analysis and recommendations.

• Directly oversee Complex Investigations Analysts, including recruitment, performance management, coaching, and talent growth.

• Review and critique investigative analyses, conclusions, SAR/no-SAR determinations, SAR narratives, CARs, and related documentation.

• Manage QC/QA feedback, remediation efforts, and analyst calibration.

• Assist with 314(a)/314(b), OFAC, and PEP-related investigative tasks.

• Implement investigative standards, methodologies, and governance frameworks.

• Track and report on inventory, aging, timeliness, SAR volumes, and quality metrics to BSA/AML leadership.

• Aid in root cause analysis, remediation, regulatory examinations, internal audits, and validation activities.

• Keep examiner-ready case artifacts and update procedures, desktop procedures, and checklists.

• Collaborate with Sanctions Operations, Fraud Operations, Compliance Advisory, Legal, and Technology on sensitive issues.

• Offer investigative support and coaching to product-aligned SAM, Fraud, and Sanctions teams.

⛳️ Requirements

• A Bachelor's degree is required (Finance, Criminal Justice, Accounting, Business, or a related discipline).

• CAMS or equivalent AML certification is strongly preferred.

• A minimum of 7 years of experience in BSA/AML, Sanctions, or Fraud investigations, including SAR decision-making and filing.

• At least 2 years of direct people management experience, encompassing coaching, performance management, and talent development.

• Proven experience in managing complex, high-risk typologies and multi-account or multi-entity investigations.

• Working knowledge of transaction monitoring systems (e.g., Actimize, FCRM) and watchlist/screening tools (e.g., Bridger).

• Demonstrated success in defending investigative decisions during audits, examinations, or regulatory reviews.

• Excellent writing and communication abilities, including the capability to review and enhance SAR narrative quality and present findings to senior leadership.

• Product-level knowledge of funds flows, typologies, and party designations across Pathward's product categories and program-manager model.

🏝️ Benefits

• Annual performance-based incentive opportunity.

• Health insurance.

• 401(k) retirement benefits.

• Life insurance.

• Disability benefits.

• Paid time off.

• Comprehensive benefits package.

• Remote-office work arrangement.