Job description
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:
Leverages expertise in interpreting laws, regulations, and industry guidance to design and deliver high- quality programs that balance market demands with effective risk management. Ensures that offerings are compliant with applicable regulations and adaptable and competitive in a dynamic market. Acts as a resource for the revenue teams to engage to work directly with the compliance teams of partners and prospects in resolving compliance concerns associated with new products and services.
What You Will Do:
- 1st Line of Defense Regulatory and Compliance Oversight: Ensures adherence to OCC regulatory compliance, the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) regulations, Unfair and Deceptive Acts or Practices (UDAP), and third-party risk management, embedding these requirements into the review and analysis of potential new products, partners and offerings.
- Regulatory Interpretation & Market-Driven Credit Design: Utilizes expertise to interpret and apply relevant laws, regulations, and industry guidance (such as Dodd-Frank, OCC Asset Quality guidance and other financial regulations) in a market-driven and risk-informed Ensures that programs, products and offerings are designed to be both compliant and competitive, allowing the business to best meet the evolving demands of the market.
- BSA/AML process owner: Leverage extensive knowledge to interpret and apply BSA/AML laws, regulations, and industry guidance, ensuring alignment with market dynamics and risk considerations. Assume primary responsibility for managing and mitigating risks associated with new product/program/partnerships.
- Third Party Risk: Leverage the third-party risk framework to develop and implement a comprehensive program strategy, ensuring alignment with organizational goals and industry standards. Interpret and apply program requirements to ensure compliance with legal and regulatory standards. Lead a dedicated team to ensure partnerships operate within established risk tolerance and regulatory requirements, fostering a culture of compliance and risk awareness. Drive the strategic development of third-party risk management initiatives, ensuring robust and adaptable processes.
- Risk-Informed Decision Making: Applies deep understanding of regulatory frameworks and risk management to develop compliance/risk oversight for new product/partner/program offerings that effectively balance regulatory compliance with risk tolerance. Guides business leaders in designing products that optimize risk-return profiles while meeting market needs.
- Product and Customer Solution Development: Works closely with fintech partners and internal teams including the second line of defense to design and implement compliant solutions for new products and customer engagements, ensuring they meet all relevant regulatory and compliance standards.
- Program Innovation & Optimization: Collaborates with cross-functional teams to design, implement, and refine compliance/risk programs that support the company’s Ensures that products are competitive, market- responsive, and compliant by embedding risk considerations early in the program design process.
- Stakeholder Engagement & Advisory: Acts as a trusted advisor to business leaders and product teams, translating complex regulatory changes and guidelines into actionable insights. Works with fintech partners, the revenue teams, the second line of defense to provide market-driven, risk-informed recommendations that help the business adapt to shifting regulatory environments while meeting market demands.
- Regulatory Compliance & Best Practices: Continuously monitors changes in regulatory requirements and guidance. Ensures that compliance/risk programs are in full compliance with both domestic and international regulations. Develops and maintains best practices for interpreting and applying these regulations in a manner that aligns with the business strategy.
- Data-Driven Risk Analysis: Leverages data analytics to assess compliance/risk program performance and identify emerging risks. Utilizes market data, customer trends, and regulatory updates to provide actionable insights that improve program design and risk management.
- Continuous Improvement & Market Adaptation: Stays ahead of regulatory developments and market trends, driving continuous improvement in program Proactively adapts credit offerings to address market shifts maintaining a strong focus on regulatory adherence and risk mitigation.
- Training & Knowledge Sharing: Provides thought leadership and guidance on regulatory changes, ensuring internal teams are well-versed in the latest rules and market Shares insights to elevate the team’s understanding of how regulatory frameworks intersect with business goals.
- Other duties as assigned
What You Will Need:
- Bachelor’s degree in Finance, Business, Economics, or a related field or equivalent education and work experience.
- Master’s degree preferred.
- Typically requires a minimum of 12 years of related experience.
- 10 years of experience in consumer, commercial, credit or partner solutions risk management, or financial product design, with a strong understanding of relevant regulatory frameworks.
- In-depth knowledge of credit program design, regulatory requirements, and risk management principles.
- Expertise in interpreting and applying regulations (e.g., Basel III, Dodd-Frank) in a practical, market- driven context.
- Strong analytical and data interpretation skills to assess the impact of regulatory changes on credit products.
- Ability to develop risk-informed strategies that align with business needs and market demands.
- Excellent communication and collaboration skills to engage with diverse stakeholders.
- A proactive, solutions-oriented mindset, with the ability to anticipate regulatory and market changes and design credit programs accordingly.
- Strong critical thinker with problem-solving skills and the ability to manage complex challenges with a risk-aware approach.
- Ability to work independently while managing multiple, competing priorities in a fast-paced environment.
The responsibilities listed above are not all inclusive and may be changed at any time.
Salary range: $151,672.07 – $250,258.92
The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.
#LI-Remote
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Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
Who we are:
Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.
We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.
Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – [email protected]
Please click here to view Pathward’s Applicant Privacy Notice.
Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.
Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.
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