Pathward

• Conduct in-depth research and analysis of complex regulatory, compliance, and financial crime topics, including BSA/AML, Customer Identification Program (CIP), Know Your Customer (KYC), beneficial ownership, sanctions compliance, and related regulatory frameworks. • Partners directly with internal stakeholders and external partners to assess new products, programs, and business models, delivering risk and regulatory guidance that supports innovation while ensuring compliance with applicable laws, regulations, and risk management expectations. • Produce high-quality regulatory and risk memoranda that clearly articulate issues, analyze alternatives, assess risk, and provide supportable recommendations backed by legal authorities, regulatory guidance, enforcement actions, and industry practices. • Interpret laws, regulations, examination guidance, and regulatory expectations and translate them into actionable business and risk requirements. • Advise leadership, legal, compliance, and business partners on complex risk and regulatory matters, providing practical solutions that balance innovation, customer experience, and risk management. • Collaborates directly with business partners, fintechs, and third-party organizations to evaluate products, services, and business models, providing risk-focused guidance and regulatory expertise to identify obligations, assess compliance, fraud, financial crime, operational, and reputational risks, and develop practical, compliant solutions. • Monitor regulatory developments, enforcement trends, and industry practices to identify emerging risks and opportunities for program enhancement. • Challenge assumptions, investigate root causes, and apply critical thinking to resolve ambiguous or novel issues using a reasoned, risk-based approach. • Leverage data, research, and analytical methodologies to support decision-making and strengthen risk governance. • Present findings, recommendations, and regulatory positions to senior leadership, auditors, regulators, and other stakeholders. • Foster a culture of intellectual curiosity, continuous learning, and thoughtful risk management. • Perform other duties as assigned.

• Responsible for owning, governing, and continuously enhancing the Bank's AML/CFT and Financial Crimes Compliance training program • Establishes and maintains a risk-based training framework aligned to regulatory expectations, enterprise risk assessments, and the Bank's control environment • Ensures training operates as a key component of the organization's FCC compliance risk management program • Accountable for training program effectiveness, regulatory alignment, and audit and regulatory examination readiness • Partners with senior stakeholders across Compliance, Risk, People & Culture, and business lines

• Communicates effectively with financial institution partners via calls and emails to address operational needs, resolve issues, and foster strong relationships. • Manages multiple time-sensitive tasks while identifying opportunities for recommending new products/services and cross-selling. • Utilizes internal systems such as Salesforce for logging interactions, tracking issues, and documenting trends, while providing support and training to partners/clients. • Ensures compliance with procedures for client support activities, including Customer Identification Program (CIP) processing, marketing collateral coordination, and adherence to regulatory requirements. • Leads team initiatives by facilitating training, mentoring team members, and overseeing the Quality Assurance process to maintain excellence in client interactions. • Other duties as assigned.

• Manage the Company’s SOX program, including annual risk assessments, scoping, process mapping, and control design evaluations. • Communicate directly with internal audit, external audit, management and control owners • Serve as the liaison between executives and Internal Audit for SOX related matters • Manage quarterly and annual SOX testing cycles, partner with control owners to identify gaps, and track remediation plans. • Execute the first line of defense program for Shared Services in accordance with Company policy • Research, understand, and implement new accounting standards • Subject matter expert in complex areas of US GAAP, including CECL, revenue recognition, fair value, consolidation, transfers and servicing, etc. • Other duties as assigned

• Acts as the bank’s primary representative with all parties involved in the closing process, including borrowers, guarantors, principals, counsel, brokers, and other vendors. • Identifies, collects, and reviews all items and documents required for closing. • Engages and interfaces with legal counsel during preparation of closing documents to ensure that all loan requests are properly documented. • Manages all aspects of loan closing, including coordinating with business partners and vendors, as well as other departments within the company. • Interfaces directly with other Structured Finance teammates, including management, underwriters, and account executives to ensure progress towards funding objectives • Develop and maintain relationships with customers and business partners. • Provides support, training, and expertise to other members of the Closing Team. • Manages and develops assorted reports, processes, and procedures within the Closing Team. • Other duties as assigned.

• Investigate alerts and cases generated from transaction monitoring systems related to merchant acquiring activity • Analyze merchant-level transaction data to identify anomalies and red flags • Identify and investigate merchant acquiring-specific typologies • Prepare and file SARs and CTRs accurately and timely • Review and investigate partner referrals and escalations • Document investigative findings clearly and accurately within case management systems • Meet defined SLAs, productivity expectations, and quality standards • Escalate high-risk or complex matters to the Manager • Maintain current knowledge of BSA/AML and OFAC regulations • Collaborate with BSA/AML peers, Fraud Operations, and partner oversight teams

• Owns the monitoring coverage assessment program, including methodology, execution, documentation, and ongoing refresh • Owns the BSA/AML & Sanctions Operations operational policy, procedure and standards lifecycle drafting through adoption and version control • Directs rule tuning partnerships with Data Analytics and Technology, ensuring changes are risk-based, documented, tested, and governed • Directs training coordination with Learning & Development, ensuring content is current, role-appropriate, and aligned to updated procedures • Manages audit, validation, and regulatory exam coordination including response tracking, material review, and remediation documentation • Provides monitoring effectiveness metrics, trend analysis, root cause analysis, and management reporting to senior leadership • Does not directly manage alert or investigation production queues but supports operational teams through risk coverage expertise, governance infrastructure, and analytical insight

• Manage all aspects of an assigned portfolio of accounts • Ensure the relationships meet corporate standards for risk, profitability, factoring and asset-based lending services • Responsible for ensuring all advances and loans comply with loan policy and approved structure • Attain an acceptable contribution to overhead and/or profit from each client arrangement • Document all relationships to ensure approved and required legal documentation • Resolve factoring and asset based lending service problems • Propose changes in policies and procedures to reduce costs • Develop and operate within individual budget to control expenses

• 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.

• Responsible for the generation and analysis of marketing data for the purpose of translating data into information that will be used to demonstrate insight that drives marketing performance and investment decisions. • Builds and maintains dashboards and reporting frameworks that track marketing performance across marketing programming, including but not limited to pipeline contribution, conversion, and return on investment. • Analyzes data across multiple systems (Customer Relationship Management or CRM), marketing automation, web analytics, and digital platforms, to identify patterns, trends, opportunities, and risks. • Translates complex data into clear, concise insights and recommendations that influence marketing strategy and investment decisions. • Partner with channel strategy and marketing operations to inform prioritization, campaign optimization, and performance tradeoffs. • Develop and evolve measurement approaches including attribution, funnel analysis, and campaign performance frameworks. • Ensure data quality, consistency, and alignment of key metrics across systems and stakeholders. • Support planning and performance reviews (quarterly, annual) with data‑backed insights and recommendations. • Deliver ad hoc and deep‑dive analyses to support campaigns, lifecycle programs, and go‑to‑market initiatives. • Other duties as assigned.