About the Role:The Senior Analyst, Complex Investigations conducts the review, investigation, and resolution of the Bank’s most complex and high-risk financial crime matters across AML, Sanctions, and Fraud domains. As a senior individual contributor, the role independently executes multi-account, multi-entity, and cross-product investigations, produces defensible SAR narratives and decisioning, and applies advanced typologies and investigative techniques. The Senior Analyst operates within the escalation and quality frameworks owned by leadership, serves as a technical resource and informal coach to less-experienced analysts, and ensures all investigative outputs are consistent, well-documented, and regulator-ready under OCC, FinCEN, and internal program standards.What You Will Do:Complex Investigations & Case ExecutionIndependently conduct complex and high-risk investigations across products and customer types, including multi-account, multi-entity, and cross-product matters.Handle repeat SAR subjects, continuing activity reviews, and examiner-referred matters in line with established escalation criteria.Analyze transactional, KYC/CDD, and open-source information to reach sound, defensible investigative conclusions.Identify and escalate systemic or thematic risks, unusual typologies, and potential control gaps emerging from casework to leadership.SAR Decisioning, Narratives & DocumentationDraft clear, complete, and defensible SAR narratives and decisioning that withstand examiner, audit, and law-enforcement scrutiny.Ensure all investigative documentation meets the five-element documentation baseline and internal quality standards.Prepare Continuing Activity Reports (CARs) and support 314(a)/314(b), OFAC, and PEP-related investigative activity as needed.Quality, Escalation & GovernanceOperate within the escalation and quality frameworks owned by leadership; apply routing and escalation criteria consistently.Partner with QC/QA teams by responding to feedback, remediating identified defects, and helping surface systemic trends.Maintain consistency with enterprise investigative standards and methodologies across AML, Fraud, and Sanctions domains.Technical Expertise & CoachingServe as a subject-matter resource on advanced typologies, investigative techniques, and analyst judgment.Provide informal coaching, case feedback, and peer review to less-experienced analysts; support onboarding and training initiatives.Contribute to the continuous improvement of procedures, desktop procedures, checklists, and reference guides based on casework insights.Cross-Functional CollaborationCoordinate with AML, Fraud, Sanctions, Compliance Advisory, Legal, and Technology partners on complex financial-crime scenarios spanning multiple risk domains.Support regulatory examinations, internal audit, and validation efforts by preparing case artifacts and responding to information requests.What You Will Need:Bachelor’s degree required (Finance, Criminal Justice, Accounting, Business, or related field).CAMS or equivalent AML certification strongly preferred.Advanced certifications (e.g., CFE, CFCS) a plus.5+ years of BSA/AML, Sanctions, or Fraud investigations experience, including complex or high-risk casework and SAR filing.Demonstrated ability to independently investigate multi-account, multi-entity, and cross-product matters.Strong command of financial-crime typologies, transaction monitoring systems (e.g., Actimize, FCRM), and watchlist/screening tools (e.g., Bridger).The responsibilities listed above are not all inclusive and may be changed at any time.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.This role is also eligible for an annual performance-based incentive opportunity.Who we are:Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
6 days ago