[Remote] Compliance Auditor II - BSA/AML/OFAC

Note: The job is a remote job and is open to candidates in USA. Pathward is a financial empowerment company focused on creating financial inclusion for all. The Compliance Auditor II will perform risk-based audits, including operational, financial, compliance, and BSA/AML, to enhance governance and control effectiveness across the company's products and services. Responsibilities • Execute audit testing aligned with risk-based priorities and enterprise objectives • Support audits across diverse domains including payments and money movement (ACH/Wires/RTP), consumer compliance, third party risk management, and model risk • Apply audit methodology and leverage data analytics tools to enhance audit precision and insight • Analyze data for control gaps, fraud indicators, and regulatory non-compliance using structured techniques • Evaluate key BSA/AML processes such as CIP, KYC, CDD, EDD, customer risk rating, watchlist screening, transaction monitoring, investigations, SAR/CTR obligations, and record keeping across platforms and partners • Assess sanctions (OFAC) compliance: governance, interdiction alert handling, escalation, and intersections across payments and money movement rails • Provide clear, concise, and appropriate documentation of work performed, issues, and observations using oral and written forms of communication • May provide data for compilation of reports for Pathward Audit and regulatory compliance • Research and advise on audit services in a wide range of bank product and service lines, including those with BSA/AML implications • Participate in business and departmental projects that require analytical and risk assessment skills, including those related to financial crimes and third-party risk oversight • 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. Other duties as assigned • Exemplify ethics and judgment: integrity, objectivity, confidentiality, and sound judgment under uncertainty/complexity • Other duties as assigned Skills • Bachelor's degree in a relevant field (e.g., Accounting, Finance, Business, or related discipline), or equivalent education and work • Up to 3+ years of relevant experience with bachelor's degree or equivalent • Demonstrated ability in assessing BSA/AML, sanctions, and partner/third-party oversight • Expertise in BSA/AML and sanctions: Applies deep knowledge of laws, regulations, and industry standards to assess risk and controls • Analytical thinking: Evaluates complex issues, identifies root causes, and develops practical solutions • Sound judgment: Makes informed decisions based on analysis, experience, and risk considerations • Prioritization and execution: Focuses on high-impact tasks, manages time effectively, and meets deadlines without compromising quality • Adaptability: Navigates ambiguity and shifting priorities with resilience and composure • Communication: Delivers clear, concise, and audience-appropriate messages; listens actively and provides constructive feedback • Ethics and integrity: Upholds organizational values, maintains confidentiality, and earns trust through consistent actions • Customer focus: Understands stakeholder needs and strives to exceed expectations • Planning and organization: Structures work efficiently, aligning resources to achieve audit objectives • Emotional intelligence: Demonstrates empathy, patience, and respect in all interactions; adapts communication style to build trust and rapport • Professional certifications such as: CAMS, CFE, CIA, CRMA, and/or CPA preferred • Experience in internal audit, compliance, or risk within financial services preferred • Additional credentials in BSA/AML, or sanctions compliance are a plus Benefits • Health insurance • 401(k) retirement benefits • Life insurance • Disability benefits • Paid time off • And more Company Overview • Pathward is a financial firm that provides investment strategies to promote business growth for organizations. It was founded in 1954, and is headquartered in Sioux Falls, South Dakota, USA, with a workforce of 1001-5000 employees. Its website is Apply tot his job