Pathward

1 month ago

Analyst II, BSA/ AML Operations

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 6 hours agoStatus: Live

Job Summary

Analyze merchant acquiring BSA/AML activity by investigating alerts, conducting case investigations, and filing SARs/CTRs within Pathward's acquiring portfolio. Identify merchant-level typologies such as transaction laundering, misclassification, prohibited merchants, chargeback fraud, and velocity/balance attacks, while adhering to FinCEN requirements and maintaining SLAs in collaboration with Fraud Ops and Oversight teams.

Location: Sioux Falls, Louisville

Workplace: Remote

Employment Type: Full time

Job Function: Software Engineering

Key Responsibilities

•Investigate alerts and cases generated from transaction monitoring systems related to merchant acquiring activity, applying risk-based judgment to identify potentially suspicious behavior
•Analyze merchant-level transaction data, including payment flows, authorization patterns, MCC codes, chargeback ratios, refund activity, and settlement behavior to identify anomalies and red flags
•Identify and investigate merchant acquiring-specific typologies including: transaction laundering/factoring; merchant misclassification; prohibited/high-risk merchant activity; chargeback misrepresentation; load balancing, BIN attacks, velocity attacks; MID-cycling/BIN-hopping
•Prepare and file SARs with clear, well-structured narratives, ensuring merchant-specific facts, transaction amounts, and typology indicators are articulated
•File CTRs accurately and timely in accordance with regulatory standards

Pay and Benefits

Salary: USD 43,000 - 70,000 annually

Perks:Health Insurance401kLife InsuranceDisability BenefitsTime Off

Key Requirements

•Bachelor’s degree required (Finance, Criminal Justice, Accounting, Business, or related field)
•CAMS or equivalent AML certification strongly preferred
•1–3 years of experience in BSA/AML investigations, transaction monitoring, fraud operations, or financial crimes compliance; merchant acquiring or payments experience strongly preferred
•Knowledge of merchant acquiring risks including transaction laundering, MCC misclassification, chargeback fraud, and prohibited merchant categories
•Familiarity with Actimize, FCRM, or similar transaction monitoring and case management platforms

Experience:2-3 yearsBSA/AMLMerchant acquiringFinancial crimes

Education:Bachelor's

Skills:AnalyticalWritingCommunicationProblem-solving

Certifications:CAMSCFEAML

Languages:English

Tech Stack:ActimizeFCRM

Company Brief

Pathward

Provides banking-as-a-service APIs, card issuing, deposit and payment solutions for fintechs, businesses, and partners. Offers integrated banking products including debit cards, program management, and compliance services to enable financial product delivery.

Industry: Fintech Infrastructure

Growth: Established Company

Website LinkedIn

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Pathward

1 month ago

Analyst II, BSA/ AML Operations

✓ Verified Job

Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI

Last checked: 6 hours agoStatus: Live

Job Summary

Location: Sioux Falls, Louisville

Workplace: Remote

Employment Type: Full time

Job Function: Software Engineering

Key Responsibilities

•Investigate alerts and cases generated from transaction monitoring systems related to merchant acquiring activity, applying risk-based judgment to identify potentially suspicious behavior
•Analyze merchant-level transaction data, including payment flows, authorization patterns, MCC codes, chargeback ratios, refund activity, and settlement behavior to identify anomalies and red flags
•Identify and investigate merchant acquiring-specific typologies including: transaction laundering/factoring; merchant misclassification; prohibited/high-risk merchant activity; chargeback misrepresentation; load balancing, BIN attacks, velocity attacks; MID-cycling/BIN-hopping
•Prepare and file SARs with clear, well-structured narratives, ensuring merchant-specific facts, transaction amounts, and typology indicators are articulated
•File CTRs accurately and timely in accordance with regulatory standards

Pay and Benefits

Salary: USD 43,000 - 70,000 annually

Perks:Health Insurance401kLife InsuranceDisability BenefitsTime Off

Key Requirements

•Bachelor’s degree required (Finance, Criminal Justice, Accounting, Business, or related field)
•CAMS or equivalent AML certification strongly preferred
•1–3 years of experience in BSA/AML investigations, transaction monitoring, fraud operations, or financial crimes compliance; merchant acquiring or payments experience strongly preferred
•Knowledge of merchant acquiring risks including transaction laundering, MCC misclassification, chargeback fraud, and prohibited merchant categories
•Familiarity with Actimize, FCRM, or similar transaction monitoring and case management platforms

Experience:2-3 yearsBSA/AMLMerchant acquiringFinancial crimes

Education:Bachelor's

Skills:AnalyticalWritingCommunicationProblem-solving

Certifications:CAMSCFEAML

Languages:English

Tech Stack:ActimizeFCRM

Company Brief

Pathward

Industry: Fintech Infrastructure

Growth: Established Company

Website LinkedIn