Note: The job is a remote job and is open to candidates in USA. Pathward is a financial empowerment company focused on expanding access to secure financial products and services. The Manager, Sanctions Program owns retained sanctions-program activities, including remediation, OFAC and watchlist governance, Bridger screening-model oversight, risk assessments, and examiner-facing documentation.
Responsibilities
- Own the sanctions program workbook including remediation commitments, program support, and OFAC procedure maintenance
- Serve as business owner of the Bridger screening model — model documentation, periodic reviews, system and watchlist-file testing, and QA of Bridger errors — in partnership with Model Risk
- Govern OFAC list updates across all cycles, prohibited-countries secondary review and memos, and blocked-property (ARBP) and FBAR filings
- Lead OFAC-related risk assessments (BSA / OFAC / MLR) and support Internal Audit, independent testing, and OCC examination activities
- Maintain examiner-ready program artifacts and evidence of control operation; coordinate responses to sanctions-related audit and exam requests
- Partner with the Manager, Sanctions Operations to ensure program changes are operationalized without disrupting screening SLAs
Skills
- Bachelor's degree in Finance, Business, Criminal Justice, Accounting, or related field required
- 7–10 years of BSA/AML or sanctions experience within a regulated financial institution
- 3+ years of people leadership or program-management experience
- Demonstrated ownership of OFAC/sanctions programs, screening-model governance (Bridger or comparable), and regulatory examination response
- Experience with MRA/issue remediation and control documentation
- Deep knowledge of OFAC/sanctions regulations, 314(a), PEP, and screening-model governance
- Strong program-management, documentation, and issues-management discipline
- Model-governance and effective-challenge orientation
- Clear written and verbal communication with examiners, audit, and senior leadership
- Collaborative across Sanctions Operations, Program Risk Management, Model Risk, and Internal Audit
- Sanctions and OFAC risk attaches to every Pathward product and delivery channel. The Manager, Sanctions Program must understand the Bank's product suite and third-party (program manager, ISO, broker/introducer) delivery models to keep list management, watchlist tuning, and prohibited-country controls aligned to actual exposure. Working knowledge is expected in:
- Card Issuing / Prepaid — reloadable and non-reloadable GPR, payroll, corporate expense/disbursement, gift, government and student-support cards issued directly and through program managers; sanctions screening at onboarding and on an ongoing basis
- Acquiring — merchant acquiring sponsorship and ATM sponsorship through ISOs and payment facilitators, including prohibited-country and cross-border transaction risk
- Digital Payments & Faster Payments — remittance/disbursement rails and Visa Direct / Mastercard Send (push/pull), where sender/recipient screening and sanctions-nexus risk are highest
- Tax Products, Consumer Lending, Commercial Finance, and Commercial Deposits — OFAC screening obligations that Pathward retains as bank of record and depository institution
- The Bank-vs-Program-Manager BSA/AML framework — Pathward performs OFAC screening and sanctions compliance while program managers escalate potential matches for Bank review and disposition
- CAMS required
- CGSS (Certified Global Sanctions Specialist) strongly preferred
- Advanced degree or JD preferred
Benefits
- This role is also eligible for an annual performance-based incentive opportunity.
- Health insurance
- 401(k) retirement benefits
- Life insurance
- Disability benefits
- Paid time off
Company Overview