SVP, Business Risk Group

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 an