[Remote] BSA/AML – Alert Analyst II

Note: The job is a remote job and is open to candidates in USA. Pathward is a financial empowerment company dedicated to creating financial inclusion for all. The BSA/AML – Alert Analyst II is responsible for conducting first-level reviews of transactional alerts to identify potential suspicious behavior and financial crime risk, analyzing transactional activity, and escalating higher-risk activities to the Case Investigation Team.

Responsibilities

• Review and investigate alerts generated from transaction monitoring systems using a risk-based approach to identify potentially suspicious activity or unusual behavior
• Analyze transactional activity, payment flows, customer behavior, and account activity to identify anomalies, red flags, pass-through activity, layering concerns, or unusual patterns
• Conduct customer due diligence reviews utilizing internal systems, KYC/CIP information, transactional analysis, and external research tools
• Document investigative findings clearly, accurately, and professionally within case management systems in accordance with BSA/AML documentation standards
• Prepare detailed alert narratives that clearly explain the activity reviewed, investigative steps performed, findings identified, and rationale for disposition decisions
• Escalate higher-risk, complex, or potentially suspicious activity to the Case Investigation Team for enhanced review and potential SAR determination
• Maintain investigative documentation and supporting evidence, including screenshots, research findings, and transaction analysis, sufficient to support quality assurance, audit, and regulatory review
• Review transactional history to identify expected versus unusual customer behavior patterns and determine whether activity aligns with product usage expectations
• 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
• Collaborate with Case Analysts, Quality Assurance, Compliance, Fraud, and internal stakeholders to support ongoing investigations and operational objectives
• Meet established service level agreements (SLAs), productivity standards, and quality expectations for assigned alert queues
• Maintain current knowledge of BSA/AML regulations, OFAC requirements, FinCEN guidance, financial crime typologies, and internal procedures
• Support ongoing process improvements, procedural updates, training initiatives, and quality enhancement efforts within the Operations Team
• Perform other duties as assigned

Skills

• Bachelor's degree in finance, Criminal Justice, Business, or related field preferred
• 1–3 years of experience in BSA/AML investigations, fraud investigations, transaction monitoring, compliance operations, or financial crime analysis preferred
• Experience reviewing transaction monitoring alerts and documenting investigative findings
• Familiarity with transaction monitoring and case management systems such as Actimize, or similar platforms preferred
• Strong analytical, investigative, and critical-thinking skills with attention to detail
• Strong written and verbal communication skills, including concise and well-supported investigative documentation
• Ability to manage assigned workload independently while following established procedures and escalation protocols
• Proficiency with Microsoft Office tools including Excel, Word, and Outlook
• Ability to interpret transactional activity and identify potential suspicious behavior, red flags, or financial crime indicators
• Adaptable, organized, and receptive to feedback in a fast-paced operational environment
• Certified Anti-Money Laundering Specialist (CAMS)
• Certified Financial Crime Specialist (CFCS)
• Certified Fraud Examiner (CFE)

Benefits

• Annual performance-based incentive opportunity
• 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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