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Pathward · 1 day ago

BSA/AML/OFAC Compliance Auditor III

United States

Full-time

Remote

Mid, Senior Level

$72K/yr - $120K/yr

5+ years exp

Pathward is a financial empowerment company dedicated to creating financial inclusion for all. The BSA/AML/OFAC Compliance Auditor III will independently plan and execute complex audits focused on financial crimes and partner oversight, ensuring compliance with regulatory standards and driving continuous improvement within the organization.

ConsultingFinanceFinancial Services

Work & Life Balance

Responsibilities

Plan and lead end‑to‑end, risk‑based audits (planning, fieldwork, reporting, and follow‑up)

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 financial‑crimes processes: CIP/KYC/CDD/EDD, customer risk rating, watchlist screening, transaction monitoring, investigations, SAR/CTR obligations, model validation and coverage, and recordkeeping across platforms and partners

Assess sanctions (OFAC) compliance: governance, interdiction, alert handling, escalation, and intersections across payments and money‑movement 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, well‑controlled, and decision‑useful

Assess rules/models/scenarios and data pipelines: change control, documentation, performance monitoring/back‑testing, and data lineage/integrity supporting BSA/AML and OFAC

Produce clear, evidence‑based findings with root‑cause analysis, business impact, and prioritized action plans; challenge management responses and validate remediation (including regulatory items) for sustained effectiveness

Engage stakeholders constructively (business leaders, Compliance, Risk, Technology); present concise, executive‑ready narratives/visuals; escalate emerging risks promptly and tailor messaging to audiences (working groups, executives, committees)

Lead non‑financial‑crimes audits as needed (e.g., payments and money movement (ACH/wires/RTP)), consumer compliance, third‑party risk management, and model risk—applying the same risk‑based methodology and clear, audience-tailored reporting

Coordinate co‑sourced providers, ensuring adherence to methodology, templates, workpaper quality, and delivery timelines

Support annual risk assessment and audit planning with 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

Qualification

BSA/AML complianceSanctions complianceInternal audit experienceData analyticsRisk managementProfessional certificationsCommunicationInterpersonal effectivenessProblem-solvingTeam collaboration