Director, Financial Crimes Technology

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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 of BSA Technology is the BSA functional lead responsible for ensuring the Bank's customer risk rating models are accurately implemented, operating as intended, producing reliable and explainable outputs, and meeting all applicable regulatory and internal governance expectations. This role resides within the Financial Crimes Program and Technology Assurance team and serves as the bridge between model design — owned by stakeholder groups within the broader BSA Department — and technology delivery, owned by a technology/product counterpart responsible for software implementation and vendor execution.

The Director partners with BSA model design stakeholders to understand design intent and translate it into detailed requirements, then works with the technology/product counterpart to ensure those requirements are built and delivered as specified. This role provides strategic oversight of model implementation, change management, and ongoing performance monitoring of model outputs and data quality from a compliance lens.

This is not a model design role. Decisions regarding risk factor selection, scoring methodology, tier structures, and calibration thresholds reside with the appropriate BSA stakeholder groups. This is also not a software delivery role. System build, vendor management, and technical deployment are owned by the technology/product counterpart. This role's mandate is to define what the technology must do from a BSA perspective, validate that it does so correctly, and monitor ongoing performance to ensure continued accuracy and regulatory alignment.

What You Will Do:

Requirements & Functional Ownership

• Partner with BSA model design stakeholders to translate design decisions into detailed functional requirements, business rules, acceptance criteria, and expected outputs for the technology/product counterpart
• Serve as the BSA subject matter authority in requirements discussions, ensuring compliance and regulatory considerations are fully reflected in system specifications
• Evaluate proposed technical approaches from the technology/product counterpart to confirm alignment with BSA program objectives and model design intent
• Maintain a prioritized list of enhancement requests, defect resolutions, and regulatory-driven changes

Testing, Validation & Ongoing Monitoring

• Own user acceptance testing for all customer risk rating system changes, new deployments, and model recalibrations, including development of test plans, test cases, and sign-off protocols
• Validate that risk ratings are accurately calculated, properly assigned, and consistently applied across customer segments and business lines
• Monitor model outputs on an ongoing basis to identify anomalies, unexpected distributions, or data quality issues and surface findings to BSA model design stakeholders
• Optimize and tune system parameters to ensure the platform produces desired outputs
• Investigate and resolve discrepancies between expected and actual outputs, coordinating with model design stakeholders on design questions and the technology/product counterpart on system issues
• Maintain comprehensive functional documentation including business rules, data mappings, validation results, monitoring activities, and remediation actions for regulatory examination / audit readiness

Leadership & Cross-Functional Coordination

• Coordinate with the technology/product counterpart on timelines, release schedules, and issue resolution to ensure BSA priorities are appropriately reflected
• Partner with BSA Department to ensure risk ratings drive appropriate workflows and reflect relevant business context
• Develop and maintain a functional roadmap for BSA