Director, AML/CFT Governance, Quality Control, & Reporting

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 Director, AML/CFT Governance, Quality Control & Reporting is responsible for leading and executing governance, quality control, and reporting activities that support the Bank's AML/CFT Compliance Program. Reporting to the Vice President, BSA & Sanctions Governance, Quality Control, & Reporting, this role helps ensure the program operates in compliance with applicable laws, regulations, regulatory guidance, and internal policies while supporting a strong control environment for the identification, escalation, monitoring, and

mitigation of financial crimes risk.

As a leader within the Financial Crimes Compliance organization, the Director partners with the Vice President, Risk Management, Compliance, Internal Audit, Legal, Operations, and business line partners to promote consistent execution, transparency, and accountability. The role supports governance routines, quality control programs, management reporting, issue management, and program effectiveness metrics that provide insight into financial crimes risks and compliance performance.

What You Will Do:

• Governance and Program Oversight
• Support and execute the Bank's AML/CFT governance framework, ensuring alignment with regulatory requirements, industry best practices, and the Bank's risk appetite.
• Help develop and maintain governance standards for centralized management of policies, procedures, oversight routines, and escalation processes across the Financial Crimes Compliance Program.
• Assist VP in managing AML/CFT governance committees and working groups, including agenda development, issue escalation, meeting coordination, decision documentation, and action item tracking, under the oversight of the Vice President.
• Assess AML/CFT processes, providing effective challenge and oversight to identify opportunities for improvement, develop strategies to enhance program effectiveness, and drive sustainable efficiency gains.
• Support the oversight of the AML/CFT program issue management, including timely reporting and management of corrective action plan lifecycles, to ensure proper escalation, resolution, and sustainable remediation of issues.
• Support enterprise-wide risk management initiatives through effective monitoring and reporting of financial crimes risks and control effectiveness.
• Support regulatory examinations, audits, and independent reviews for governance-related matters, including preparing materials, coordinating responses, and escalating key items to the Vice President.
• Monitor regulatory developments, enforcement actions, and industry trends, evaluating potential impacts and recommending enhancements to program governance and controls.
• Collaborate with executive leadership and stakeholders across the organization to strengthen compliance culture and drive continuous program improvement.
• Quality Control and Program Effectiveness
• Lead day-to-day execution of the Quality Control program for the AML/CFT Risk Management Program team, helping drive consistent quality reviews across team functions, including risk assessment, training, CDD/EDD reviews, and partner oversight.
• Help design, implement, and maintain a comprehensive risk-based quality control framework to evaluate compliance with regulatory requirements, internal policies, and operational standards.
• Identify control weaknesses, process inefficiencies, emerging risks, and opportunities to strengthen program effectiveness.
• Conduct trend analysis and root cause assessments to determine drivers of quality issues and develop corrective action recommendations.
• Support the establishment quality standards, review methodologies, sampling protocols, and performance metrics to measure quality, accuracy, and consistency.
• Monitor remediation efforts and validate corrective actions to ensure sustainable resolution of identified deficiencies.
• Develop and communicate quality metrics, trends, and performance results to senior management and governance committees.
• Collaborate with operational teams and business partners to implement process improvements and strengthen control effectiveness.

What You Will Need:

Education/Certification

Bachelor's degree in Business Administration, Finance, Accounting, Risk Management, Criminal Justice, Compliance, or a related field required.

Master's degree preferred.

• Preferred Certifications
• Certified Anti-Money Laundering Specialist (CAMS)
• Certified Financial Crime Specialist (CFCS)
• Certified Regulatory Compliance Manager (CRCM)

Experience

Minimum of 7 years of progressive experience in AML/CFT Compliance, Risk Management, Internal Audit, Compliance, or related regulatory, governance, or control functions within a regulated financial industry.

Minimum of 3 years of leadership experience managing people, projects, or complex compliance program activities.

Demonstrated experience leading governance, quality control, quality assurance, compliance testing, reporting, or oversight functions within a regulated financial institution.

Extensive knowledge of the Bank Secrecy Act (BSA), Anti-Money Laundering regulations, OFAC regulations, FinCEN requirements, the USA PATRIOT Act, and related banking regulations.

Experience developing and presenting management, committee, and senior leadership reporting.

Experience supporting regulatory examinations, internal audits, independent testing reviews, and remediation programs.

Experience operating within, consulting for or supervising a mid-sized or large financial institution, preferably one with assets exceeding

$8 billion.

Proven ability to influence stakeholders, lead strategic initiatives, and drive cross-functional collaboration in a highly regulated environment.

Strong written, verbal, analytical, and presentation skills, with the ability to communicate effectively to senior management, governance committees, and cross-functional stakeholders.

Competencies

• AML/CFT Regulatory Expertise
• Governance and Risk Management
• Quality Control and Compliance Testing
• Management and Committee Reporting
• Data Analytics and Performance Metrics
• Regulatory Examination Management
• Operational Leadership
• Issue Management and Remediation
• Change Management
• Relationship Building and Influence
• Project and Program Management
• Written and Verbal Communication
• Success Measures

Effective governance and oversight of the AML/CFT Compliance Program.

Timely identification, escalation, and remediation of regulatory, audit, and quality control issues.

Accurate, meaningful, and actionable reporting provided to senior management and governance committees.

Sustainable quality control framework that demonstrates continuous improvement and risk reduction.

Effective support for regulatory examinations, internal audits, independent testing engagements, and remediation programs.

Enhanced transparency, accountability, and overall effectiveness of the Financial Crimes Compliance Program.

Achievement of departmental objectives aligned with the Bank's strategic, compliance, and risk management goals.

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

Salary range: $86,000 – $145,000

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.

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

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