Financial Crimes Quality Assurance (QA) Analyst II
Pathward, N.A.
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We are a hybrid, remote-office company dedicated to growing our talent anywhere! We have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA. At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products. We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. About the Role: The Financial Crimes Quality Assurance (QA) Analyst II is responsible for executing the quality assurance program focused on Second Line of Defense (2LoD) Financial Crimes activities, including oversight, review, challenge, and governance functions across BSA/AML, Sanctions, and Fraud. This role ensures that 2LoD processes—such as alert oversight, customer risk rating governance, policy interpretation, and escalation decisions—are performed with consistency, accuracy, and in alignment with regulatory expectations and internal standards. The Analyst II will assess the effectiveness of 2LoD outputs, provide credible challenge within Compliance, and deliver insights to strengthen oversight and risk management practices. What You Will Do: 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 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 Support regulatory exams by demonstrating the effectiveness and rigor of 2LoD oversight and QA practices What You Will Need: Required 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 Experience providing oversight and review of others' work products Key Competencies Ability to work independently with limited direction while managing multiple…
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