Sr. Analyst – Complex Investigations

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 Senior Analyst, Complex Investigations conducts the review, investigation, and resolution of the Bank’s most complex and high-risk financial crime matters across AML, Sanctions, and Fraud domains. As a senior individual contributor, the role independently executes multi-account, multi-entity, and cross-product investigations, produces defensible SAR narratives and decisioning, and applies advanced typologies and investigative techniques. The Senior Analyst operates within the escalation and quality frameworks owned by leadership, serves as a technical resource and informal coach to less-experienced analysts, and ensures all investigative outputs are consistent, well-documented, and regulator-ready under OCC, FinCEN, and internal program standards. What You Will Do: Complex Investigations & Case Execution Independently conduct complex and high-risk investigations across products and customer types, including multi-account, multi-entity, and cross-product matters. Handle repeat SAR subjects, continuing activity reviews, and examiner-referred matters in line with established escalation criteria. Analyze transactional, KYC/CDD, and open-source information to reach sound, defensible investigative conclusions. Identify and escalate systemic or thematic risks, unusual typologies, and potential control gaps emerging from casework to leadership. SAR Decisioning, Narratives & Documentation Draft clear, complete, and defensible SAR narratives and decisioning that withstand examiner, audit, and law-enforcement scrutiny. Ensure all investigative documentation meets the five-element documentation baseline and internal quality standards. Prepare Continuing Activity Reports (CARs) and support 314(a)/314(b), OFAC, and PEP-related investigative activity as needed. Quality, Escalation & Governance Operate within the escalation and quality frameworks owned by leadership; apply routing and escalation criteria consistently. …