Jobs at Pathward

Analyze large lending datasets to develop underwriting insights, optimize risk-based P&L models, forecast performance, build and refine reports, collaborate with data science and technology teams, implement score models, maintain documentation, and perform ad hoc analyses to support underwriting strategy.

Develop and implement AI solutions, optimize models, preprocess data, integrate AI into workflows, and collaborate with cross-functional teams.

The Financial Crimes QA Analyst executes the quality assurance program for financial crimes, ensuring consistency, accuracy, and compliance in oversight processes related to BSA/AML, sanctions, and fraud activities.

Owns the retained sanctions program for a regulated financial institution, including remediation, OFAC and watchlist governance, Bridger screening-model oversight, risk assessments, regulatory filings, control documentation, audit support, and OCC examination response. The role partners with Sanctions Operations, Model Risk, Internal Audit, and program managers to maintain compliant screening and sanctions controls across card, acquiring, payments, lending, deposits, and other financial products.

Leads Pathward’s independent BSA/AML and sanctions Quality Control function. Responsibilities include designing QC strategy, risk-based sampling, error taxonomies, calibration, root-cause analysis, governance reporting, remediation tracking, regulatory examination support, and system access controls. The Director manages QC personnel, budget, resources, technology planning, and succession while maintaining independence from production decisions and collaborating with Independent Testing, Second Line, and Internal Audit.

Develops and manages the organization’s cloud strategy and computing environment. Designs cloud architectures and technical solutions on Azure or AWS, oversees migrations, monitors cloud resources, application performance, service metrics, and security posture, and collaborates with engineering and IT security teams to support cloud-based applications and privacy.

The role involves researching, developing, and implementing AI solutions, optimizing models, integrating AI into workflows, and collaborating with teams to enhance business efficiency.

Manage a portfolio of ABL/factoring accounts by processing funding requests, reconciling accounts, monitoring collateral performance, identifying and mitigating credit risks, performing collections, ensuring compliance with policies, providing reporting, and maintaining strong client service while supporting Account Executives.

Manage a portfolio of Classified loans, support asset recovery strategies, ensure compliance with regulations, and maintain relationships with business units.

Manage an assigned portfolio of clients for factoring and asset-based lending: monitor financial condition, underwrite and structure deals, ensure compliance and legal documentation, control risk and profitability, resolve service issues, propose process improvements, and operate within budget to meet profit objectives.

Performs IT audits assessing compliance with regulations and internal policies. Assists with audit planning, SOX ITGC testing, risk-based technology reviews, data analysis, issue validation, and remediation monitoring. Identifies control deficiencies, process inefficiencies, anomalies, and noncompliance, then communicates findings and recommendations to audit leadership and business stakeholders. Supports risk assessments and helps strengthen controls and reduce technology and business-process risk.

Prospects, qualifies, and closes new commercial finance accounts focused on working capital. Builds referral networks and customer relationships, manages sales pipelines, negotiates profitable deals, presents financial products, gathers borrower information for underwriting, and meets volume, margin, fee, and cross-sell targets. Requires strong solutions-based sales performance, financial literacy, communication, organization, and collaboration skills.

Supports and improves applications and infrastructure across the technology environment. Responsibilities include analyzing business and technology data, designing and testing solutions, troubleshooting, configuration, administration, security compliance, risk identification, stakeholder collaboration, technology evaluation, and maintaining documented processes, standards, and best practices.

Responsible for acquiring, cultivating, and closing new business accounts focused on working capital and commercial finance. Builds referral networks, manages sales pipelines, presents financial solutions, negotiates profitable deals, meets sales and margin targets, gathers borrower information for underwriting, monitors competitors, and collaborates across departments to support customer growth and retention.

Supports and improves Pathward’s applications and infrastructure by performing technology analysis, design, testing, configuration, administration, troubleshooting, and operational support. Collaborates with stakeholders, evaluates emerging technologies, maintains documentation and standards, builds test data, ensures security compliance, identifies technology risks, and assists other IT teams with troubleshooting and support.

Manage and streamline operational and compliance review processes for partner activities. Develop and maintain review schedules, work papers, procedures, and training. Coordinate with vendors and cross-functional teams to ensure marketing materials and partner practices meet Pathward, network, and regulatory guidelines. Monitor tools, update documentation, and support implementation and continuous improvement.

Investigate customer and transactional activity to identify suspicious behavior, file SARs and CTRs with regulators, maintain workload and quality standards, handle related customer calls, and support compliance processes.

Lead and deliver multiple projects end-to-end: define scope, schedules, resources, and risks; communicate with stakeholders; negotiate resources; track and resolve issues; apply PMO methodologies and Agile practices; coach and supervise teams; and manage project outcomes on time and within budget.

Oversee the fraud risk management program, manage fraud alerts and investigations, collaborate with cross-functional teams, and drive continuous improvement in fraud detection processes.

Lead functional oversight of BSA/AML screening technology: translate screening strategy into requirements, own UAT and validation, monitor model outputs and data quality, drive tuning and remediation, coordinate cross-functional delivery, maintain governance documentation, and build/mentor BSA technology teams to ensure regulatory-aligned screening capabilities.