Pathward, N.A. - Manager, Coverage Assessment and Data Analytics

• Monitoring Coverage & Risk Assessment • Lead periodic and ad‑hoc coverage assessments of transaction monitoring rules and scenarios across products (BaaS, payments, cards, tax, deposits, etc.). • Assess alignment between: • Identified financial crime risks and typologies • Existing rules, scenarios, and thresholds • Alert volumes, false positives, and investigative outcomes • Document coverage rationale, gaps, and recommendations in a regulator‑ready format. • Rule Tuning & Analytics Partnership • Partner with Data Analytics and Technology to: • Support rule tuning initiatives, threshold adjustments, and scenario enhancements • Evaluate alert quality, false positive drivers, and risk signal effectiveness • Help translate investigative feedback, SAR trends, and QA results into actionable tuning opportunities. • Ensure changes are risk‑based, well‑documented, tested, and appropriately governed. • Metrics, Trends & Root Cause Analysis • Analyze monitoring metrics, including: • Alert volumes and mix • Conversion rates (alert → case → SAR) • Emerging typologies and recurring issues • Perform root cause analysis on material trends, coverage gaps, or operational issues. • root cause analysis • Elevate risks and observations requiring management attention. • Governance & Regulatory Readiness • Support exam, audit, and validation efforts related to monitoring coverage and effectiveness. • Maintain documentation supporting: • Rule purpose and risk linkage • Coverage decisions • Tuning rationale and outcomes • Contribute to responses to regulatory inquiries related to transaction monitoring design and effectiveness. • Collaboration & Advisory Support • Serve as a subject matter resource to SAM Operations, Program Management, and Assurance. • Participate in new product, partner, or change initiatives to assess monitoring coverage implications. • Support updates to standards, procedures, and training related to monitoring effectiveness. • Bachelor’s degree required; CAMS or similar certification preferred. • 5+ years of experience in BSA/AML, transaction monitoring, financial crimes analytics, or risk management. • Strong understanding of transaction monitoring concepts, typologies, and regulatory expectations. • Experience working with monitoring systems (e.g., Actimize, FCRM) and analytics/data teams. • Demonstrated ability to translate data into clear risk narratives and written documentation. • Strong organizational, analytical, and communication skills. • Measures of Success • Measures of Success • Clear, defensible monitoring coverage aligned to risk assessments • Documented and governed tuning activity that improves alert quality • Strong partnership with Analytics, Technology, and Operations • Positive examiner and audit feedback on monitoring effectiveness • The responsibilities listed above are not all inclusive and may be changed at any time.