SVP, Business Risk Group

Summary

Join Pathward, a hybrid, remote-office financial empowerment company, and leverage your expertise in interpreting laws, regulations, and industry guidance to design and deliver high-quality compliance programs. You will ensure adherence to regulations like OCC, BSA, AML, and UDAP, while also managing third-party risk. This role involves interpreting and applying regulations such as Dodd-Frank and Basel III, designing compliant products, and collaborating with internal and external teams. You will act as a trusted advisor, providing risk-informed recommendations and driving continuous improvement in compliance programs. Pathward offers a comprehensive benefits package including health insurance, 401(k), life insurance, disability benefits, and paid time off.

Requirements

• Bachelor's degree in Finance, Business, Economics, or a related field or equivalent education and work experience
• 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

Responsibilities

• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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

Preferred Qualifications

Master’s degree preferred

Benefits

• Health insurance
• 401(k) retirement benefits
• Life insurance
• Disability benefits
• Paid time off