AVP, BSA/AML Program Office
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Job Description
AVP leading BSA/AML governance, reporting, staffing, and program execution at Pathward, a financial empowerment company. Managing Board reporting, regulatory coordination, vendor financials, and Program Office staff.
Responsibilities:
- Lead the BSA/AML Program Office and support governance, reporting, and program coordination for the Bank’s BSA/AML and Sanctions compliance program.
- Report to the BSA/AML Officer and lead the BSA/AML Program Office team.
- Coordinate the BSA/AML Working Group Committee, including charter maintenance, meeting cadence, agendas, materials, minutes, decisions, and action items.
- Develop and consolidate management, Board, Board committee, and executive reporting, including metrics, trend analysis, emerging risks, and resource constraints.
- Review reported results, resolve discrepancies, analyze trends and anomalies, and escalate emerging issues.
- Coordinate program materials for regulatory examinations, internal audits, and independent testing.
- Coordinate execution of program strategy and initiatives across functional teams, track dependencies and commitments, and escalate issues.
- Coordinate BSA/AML participation in Bank-level strategic initiatives and ensure alignment with enterprise priorities.
- Oversee centralized intake and coordination of new business, product, and partner requests into BSA/AML.
- Consolidate department capacity and staffing needs, analyze resource data, prioritize staffing requests, and support resourcing business cases.
- Partner on organizational structure, role definitions, job descriptions, hiring prioritization, and onboarding.
- Coordinate external vendor, consultant, and advisor engagements and manage related financial tracking.
- Partner with Finance on budgets, forecasts, accruals, variance analysis, headcount, and third-party costs.
- Lead and develop the Program Office team, define operating procedures, set objectives, manage performance, and support professional development.
Requirements:
- Bachelor’s degree required; advanced degree (JD, MBA, or master’s in a related field) preferred.
- CAMS, CFCS, or equivalent financial crimes certification required.
- 8+ years of progressive experience in BSA/AML, sanctions, or financial crimes compliance at a bank, credit union, or other regulated financial institution.
- 4+ years supporting BSA/AML program governance, program management, or comparable capacity.
- Experience preparing Board, Board committee, and executive management reporting on a compliance or risk program, including metric selection, trend analysis, and narrative development.
- Working knowledge of BSA/AML regulatory requirements, the FFIEC BSA/AML Examination Manual, and the regulatory examination process.
- Experience coordinating external vendors, consultants, or advisory engagements, including engagement intake, internal approvals, and financial tracking.
- People leadership experience, including managing professional staff, setting objectives, and developing a team.
- Advanced proficiency in Excel and PowerPoint, including building and maintaining models and executive-level presentations.
- Strong written and verbal communication skills, including materials prepared for Board, regulatory, and audit audiences.
- Direct experience performing or supervising core BSA/AML work — transaction monitoring and case investigation, SAR decisioning and filing, sanctions screening, KYC/CDD/EDD, or BSA/AML risk assessment.
- Experience consolidating and analyzing capacity, staffing, or resource data across multiple teams, and preparing resourcing recommendations for senior leadership.
- Experience tracking program or departmental financials, including budget, forecast, and third-party spend.
- Experience in a Banking-as-a-Service (BaaS), fintech partnership, or payments environment preferred.
- Change management experience preferred.
- Must be able to handle confidential personnel, regulatory, and investigative matters with discretion.
Benefits:
- Annual performance-based incentive opportunity
- Health insurance
- 401(k) retirement benefits
- Life insurance
- Disability benefits
- Paid time off
- Comprehensive benefits package for eligible employees
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