Director, AML/CFT Risk Assessment

We are a hybrid, remote-office company dedicated to growing our talent anywhere! We have onsite locations in: Sioux Falls, SD,  Scottsdale, 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 Risk Assessment and Program Effectiveness role is responsible for leading the design, execution, documentation and continuous enhancement of a dynamic, risk-based AML/CFT risk assessment framework that supports the bank’s BaaS and embedded finance activities. The role ensures the framework is effective, reasonably designed, and calibrated to the bank’s size, complexity, risk profile, FinCEN AML/CFT priorities, regulatory expectations, and evolving illicit finance risks. This individual serves as a subject matter expert and cross-functional partner, working closely with the first, second, and third lines of defense to identify, assess, document and help mitigate financial crimes risk. The Director plays a central role in evaluating new products, services, partners and business initiatives, ensuring that AML/CFT risk considerations are embedded in strategic decision-making and that appropriate mitigating controls are defined and in place. What You Will Need: Risk Assessment Help direct and manage the enterprise-wide AML/CFT risk assessment program, including periodic and event-driven refresh cycles, methodology updates, and governance reporting (ex., board, executive committees, etc.). Oversee and execute the risk assessment process to identify and evaluate the banks AML/CFT risks across customers, products, services, geographies, delivery channels, partners, and transaction activity, translating risk assessment outputs into actionable findings, residual risk ratings, and control gap analyses for senior management and regulatory audiences Incorporate, as appropriate, FinCEN AML/CFT priorities, emerging typologies, law enforcement priorities, regulatory feedback, audit findings, monitoring results, SAR/CTR trends, customer due diligence information, and third-party/partner risk indicators into the risk assessment methodology. New Product & Business Initiativ...