BSA/AML Investigations Analyst I

About the Role:

The Bank Secrecy Act (BSA) / Anti-Money Laundering (AML) – Suspicious Activity Monitoring (SAM) Case Analyst I is responsible for conducting investigations of customer and transactional activity to identify potential suspicious behavior and financial crime risk. This role focuses on executing alert reviews and case investigations, preparing regulatory filings, and supporting the Bank’s compliance with the Bank Secrecy Act (BSA), Anti‑Money Laundering (AML), and related regulatory requirements. Analysts operate under established procedures and guidance while developing proficiency across products, typologies, and investigative tools.

What You Will Do:

• Investigate alerts and cases generated from transaction monitoring systems, applying risk‑based judgment to identify potentially suspicious activity.
• Analyze transactional activity, payment flows, and customer behavior to identify anomalies or red flags.
• Prepare and file Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) in accordance with internal procedures and regulatory standards.
• Maintain current knowledge of BSA/AML and OFAC regulations, FinCEN guidance, and evolving financial crime typologies relevant to payments, merchant acquiring, and fintech activities.
• Document investigative findings clearly and accurately within case management systems.
• Meet defined service level agreements (SLAs) and productivity and quality expectations for assigned workstreams.
• Escalate higher‑risk or complex matters to senior analysts or management in accordance with BSA/AML - SAM procedures.
• Collaborate with BSA/AML-SAM peers and internal stakeholders to support investigations and ongoing program objectives.
• Support FinCEN 314(a) and 314(b) information sharing requests and assist with law enforcement inquiries and legal process responses under the direction of senior staff.
• Perform other duties as assigned to support the BSA/AML-SAM Operations Team.
• Other duties as assigned.

What You Will Need:

• Bachelor’s degree in a relevant field such as Finance, Criminal Justice, Business, or a related discipline.
• Preferred certifications (not required):
• Certified Anti-Money Laundering Specialist (CAMS)
• Certified Financial Crime Specialist (CFCS)
• Certified Fraud Examiner (CFE)
• Typically requires 1-3 years of relevant experience in BSA/AML investigations, financial crime analysis, or regulatory compliance.
• Experience with SAR writing, transaction monitoring systems, and case management tools is strongly preferred.
• Strong analytical skills and attention to detail.
• Clear written and verbal communication, including concise documentation of investigative conclusions.
• Ability to manage assigned workload independently while following established procedures.
• Proficiency with Microsoft Office tools (Excel, Word, Outlook).
• Familiarity with transaction monitoring and case management platforms (e.g., Actimize, NICE Actimize, Verafin, or similar); experience with core banking systems and data analytics tools a plus.
• Adaptable, organized, and receptive to feedback in a fast‑paced environment.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $17.25 hourly – $28 hourly

 
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.

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