Note: The job is a remote job and is open to candidates in USA. Pathward is a financial empowerment company focused on increasing financial access and opportunity. The Senior Analyst, SAR / CTR Filing prepares and electronically files Suspicious Activity Reports and Currency Transaction Reports with FinCEN, drafts examiner-ready narratives, conducts continuing-activity reviews, validates filing data, and supports audits and investigations.
Responsibilities
- Prepare and e-file SARs and CTRs with FinCEN accurately and within regulatory deadlines
- Author SAR narratives at examiner-ready standard, applying the OCC five-element documentation baseline and the Knowledgeable Third-Party Standard
- Perform continuing-activity reviews and file continuing-activity SARs on the 90-day cycle from originally filed reports
- Validate CTR data, manage exemptions where applicable, and ensure filing completeness and accuracy
- Maintain filing logs, tracking, and evidence to support audit and examination requests
- Coordinate with Cases and Complex Investigations on SARs surfaced from investigations and from external/consultant escalations
- Identify SAR filing trends and continuing-activity patterns; escalate observations to the SAR Lead
Skills
- • Bachelor's degree preferred; equivalent work experience considered
- • CAMS preferred; if not held, expected to obtain within 12 months of hire
- • 3–5 years of SAR drafting, CTR filing, or BSA/AML investigations experience
- • Hands-on experience with FinCEN BSA E-Filing and case-management systems
- • Working knowledge of SAR/CTR thresholds, continuing-activity requirements, and FinCEN guidance
- • Advanced narrative-writing skills and precision in regulatory filing
- • Strong attention to detail and deadline discipline
- • Knowledge of SAR/CTR requirements and continuing-activity monitoring
- • Working knowledge of Excel data analysis and SharePoint
- • Collaborative and quality-focused orientation
- • Bachelor's degree preferred
- • CAMS preferred
Benefits
- We are a hybrid, remote-office company
- 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