Pathward, N.A. - Financial Crimes Quality Assurance (QA) Analyst II
Requirements
• Bachelor’s degree in Finance, Business, Risk Management, or related field • 3-5+ years of experience in Financial Crimes (AML, Sanctions, Fraud), with direct experience in: • 2LoD Compliance / Financial Crimes oversight, or • Quality Assurance / Testing of Financial Crimes functions • Strong knowledge of: • BSA/AML and sanctions regulatory expectations • 2LoD roles and responsibilities within a three lines of defense model • Financial crime risk management frameworks and governance practices • Experience reviewing complex financial crime cases and providing oversight or challenge • Strong analytical and judgment skills • Preferred • CAMS, CFE, CRCM, or equivalent AML certification • Experience with Transaction Monitoring, Suspicious Activity Investigations, CDD/EDD, or Sanctions compliance • Transaction Monitoring, Suspicious Activity Investigations, CDD/EDD, or Sanctions compliance • Experience providing oversight and review of others' work products • Key Competencies • Key Competencies • Ability to work independently with limited direction while managing multiple priorities and complex reviews. • Ability to assess quality of judgment and oversight (not just execution) • Excellent written and verbal communication skills • Ability to influence and challenge peers within Compliance • Attention to detail with a focus on consistency and governance • Strong organizational and problem-solving skills • Success Metrics • Success Metrics • Quality and consistency of 2LoD QA reviews • Identification of meaningful gaps in oversight and challenge • Demonstrates sound, well-supported judgment in complex reviews with minimal supervisory guidance • Reduction in repeat QA findings within 2LoD • Timeliness and effectiveness of issue remediation • Positive feedback from regulators and Internal Audit on 2LoD QA program • Demonstrated improvement in 2LoD governance and decision-making quality • The responsibilities listed above are not all inclusive and may be changed at any time.
Responsibilities
• QA Review Execution • QA Review Execution • Perform detailed QA reviews of 2LoD casework, memos, and decisions to evaluate: • Accuracy and completeness • Appropriateness of risk-based judgments • Alignment with internal standards and regulatory expectations • Evaluate the quality of 2LoD oversight, including whether issues are appropriately identified, escalated, and resolved • quality of 2LoD oversight • Independently assess complex or ambiguous matters and determine whether risk-based decisions are adequately supported and documented • Provide subject matter expertise and guidance to peers regarding QA standards, regulatory expectations, and review methodology • Issue Management & Reporting • Document QA findings with clear articulation of: • Gaps in 2LoD oversight, challenge, or governance • Root cause and impact on risk management effectiveness • Assign severity ratings based on risk exposure and regulatory implications • Independently engage stakeholders to resolve findings, evaluate corrective action plans, and validate the effectiveness of remediation efforts. • Stakeholder Engagement & Credible Challenge • Provide independent challenge within the 2LoD function, ensuring high standards of oversight and accountability • independent challenge within the 2LoD function • Support regulatory exams by demonstrating the effectiveness and rigor of 2LoD oversight and QA practices • effectiveness and rigor of 2LoD oversight and QA practices
Benefits
• The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future. This role is also eligible for an annual performance-based incentive opportunity. 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. • Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law. • Don’t have everything listed under qualifications? If you’re excited about this role but your • experiences don’t match exactly to everything in the posting, we encourage you to apply • anyway. You may be just the right candidate for this or other Pathward roles. Pathward is • an equal employment opportunity employer and considers candidates for roles without regard • to their race, sex, national origin, ethnicity, age, disability or any other category protected by
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