We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Phoenix, 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:

This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. Responsible for identifying, assessing, and mitigating Commercial Finance risks that could impact Pathward’s strategic, operational, financial, or reputational standing. The individual collaborates extensively with the business underwriting, portfolio, and credit administration teams and second line stakeholders, to align business activities with regulatory expectations and sound risk management practices.

What You Will Do:

Serves as the primary Commercial Finance regulatory advisor to business units, ensuring compliance with applicable laws, regulations, and internal policies.
Monitors the bank’s overall credit risk profile in relation to Board approved Risk Appetite.
Develops strong credit culture within the entire bank.
Provides a credible challenge to lending decisions across the lifecycle of lending activities including problem loan administration activities, underwriting strategies, appropriateness of risk ratings and nonaccrual status, and collateral valuations.
Develops and provides training to first line of defense staff on credit related topics.
Administers and participates in credit-related committees and working groups.
Advises leadership on risk-related decisions.
Monitors regulatory changes and ensuring compliance.
Prepares risk reports and presenting findings to stakeholders.
Leverages data analytics and technology for predictive risk modeling.
Other duties as assigned.

What You Will Need:

Bachelor's degree in Finance, Business, Economics, or a related field or equivalent education and work
Master’s degree preferred.
12+ years of experience in regulatory compliance, lending, loan review, or risk management roles, preferably within banking or financial services.
12+ years of experience in commercial credit experience, including alternative energy, working capital, asset based lending, equipment finance, leasing and government guaranteed lending, with a strong understanding of relevant regulatory frameworks.
In-depth knowledge of credit program design, regulatory requirements, and risk management
Expertise in interpreting and applying regulations, including regulatory risk rating criteria and risk management best practices.
Strong analytical and data interpretation skills to assess the impact of regulatory changes on credit products.
Excellent communication and collaboration skills to engage with diverse
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

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $104,000– $174,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.
This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – [email protected]

Please click here to view Pathward's Applicant Privacy Notice.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

Candidate Scam Warning

We encourage you to be cautious of hiring scams that impersonate Pathward. Copy and paste the following URL into your browser to learn more: https://www.pathward.com/about-us/people-culture/careers/

About the company

Pathward provides financial services like payment processing, credit solutions, and commercial finance to individuals and small businesses. The company operates by offering a Banking as a Service (BaaS) platform that allows partners to integrate banking features, issue cards, and provide loans or equipment financing. Unlike many competitors, Pathward focuses specifically on financial inclusion for underserved populations and maintains a diverse range of services—from tax solutions to insurance premium finance—to remain stable during economic shifts. Its goal is to provide a clear path to financial stability and growth for clients who may lack access to traditional banking.

Company Size

501-1,000

Company Stage

IPO

Headquarters

Sioux Falls, South Dakota

Founded

1954

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Simplify's Take

What believers are saying

July 22, 2026 revenue rose 9% as noninterest income reached 55%.
Commercial loan originations hit $1.86 billion in July 2026, boosting interest income.
Thought Machine enables faster product launches for fintech partners and underserved-market expansion.

What critics are saying

July 22, 2026 EPS fell to $1.37, missing estimates and guidance.
BPS Digital sued Pathward on March 5, 2026 over blacklist and transaction-laundering claims.
Core migration risk runs through 2027; failures would damage sponsor-bank uptime and partner trust.

What makes Pathward unique

Pathward combines sponsor banking, tax refunds, and commercial finance under one charter.
August 20, 2026, Thought Machine chosen to modernize Pathward's core infrastructure.
Its 48,000 tax-office network gives Pathward a distribution moat in seasonal payments.

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Benefits

Health Insurance
401(k) Retirement Plan
401(k) Company Match
Life Insurance
Disability Insurance
Paid Time Off
Hybrid Work Options

Company News

FinTech Futures

Aug 21st, 2026

Pathward selects Thought Machine's Vault Core.

Pathward selects Thought Machine's Vault Core. The South Dakota-headquartered institution will replace its foundational legacy software with the London vendor's central ledger platform. Tyler Pathe, Senior Reporter, FinTech Futures August 21, 2026 Pathward, a national US bank specialising in payments sponsorship and commercial finance, is migrating its central infrastructure over to the Vault Core system developed by London-headquartered vendor Thought Machine. Vault Core serves as a universal product engine and central ledger for accounts and transactions. The system leverages smart contracts in product design, with options to extend across transaction accounts, savings, loans, mortgages, and credit cards. The migration brings real-time development capabilities to Pathward, and "reinforces Pathward's technical independence to swiftly design and deploy bespoke financial solutions", Thought Machine said in announcing its latest client. Charles Ingram, chief information and operations officer at Pathward, is overseeing the move to Vault Core. He joined Pathward in 2020, following time at Nextiva and Pfizer, and ascended to this current position last year. In comments, Ingram reveals that work to update the company's core has "been underway for some time", with Vault Core to provide "a stronger foundation for responsible innovation and expanding access to financial solutions that can evolve with the market". Pathward, formerly MetaBank, currently operates as an issuing bank, providing infrastructure for business clients to issue prepaid cards, manage digital wallets, and process tax-refund deposits. Alongside its payment sponsorship business, the South Dakota-headquartered bank also runs a commercial lending division that provides structured loans, asset-based lending, and equipment financing directly to businesses. Other regional Vault Core users include Mascoma Bank, Arvest Bank, M1 Finance, and JP Morgan Chase, which is thought to be Thought Machine's most high-profile US client win to date. Senior Reporter, FinTech Futures Tyler Pathe is a financial reporter, moderator and investigator with a specific interest in financial technology, banking and the financial industry's latest innovations.

Align Content Studio

Aug 3rd, 2026

MarketBeat July 2026 market recap.

MarketBeat July 2026 market recap. Aug. 3, 2026 This piece is sponsored by MarketBeat. Pathward Financial (NASDAQ: CASH) - Pathward Financial's third quarter results, released on July 22, fell short on both the top and bottom lines. Earnings per share of $1.37 missed the $1.95 analyst estimate, and revenue of $189.64 million came in below the $191.18 million consensus. Net income declined to $29 million from $42.1 million one year earlier as higher credit-loss provisions offset an increase in new loan originations to $1.86 billion from $1.1 billion. Pathward also was named to the 2026 Monitor 100 for the 14th consecutive year. SAB BIO (NASDAQ: SABS) - On July 7, SAB Biotherapeutics announced that Breakthrough T1D awarded a grant to the University of Florida to support the PRISE-hATG clinical study. The study will evaluate SAB-142 in people with stage 3 Type 1 diabetes who are between 100 days and two years from diagnosis, broadening the patient population in which the company's lead candidate is being studied. First Interstate BancSystem (NASDAQ: FIBK) - First Interstate BancSystem reported second quarter results on July 23. EPS came in at 87 cents, ahead of the 69-cent analyst estimate, while revenue of $263.9 million beat the $249.32 million consensus. Net income increased to $83.9 million, aided by a $19.5 million gain from the April 10 sale of 11 Nebraska branches. The board also declared a quarterly dividend of 47 cents per share, payable Aug. 14 to shareholders of record as of Aug. 4, and expanded its share-repurchase authorization by $150 million to $450 million. The Bancorp (NASDAQ: TBBK) - On July 30, The Bancorp reported mixed second quarter results. EPS came in at $1.45, surpassing the $1.36 analyst estimate, but revenue of $137.74 million missed the $166.69 million consensus. Net income increased slightly to $60.7 million from $59.8 million one year earlier, and the company raised its full-year EPS guidance to between $5.95 and $6.05. Wells Fargo (NYSE: WFC) - Wells Fargo reported second quarter results on July 14, beating analyst expectations on both earnings and revenue. EPS came in at $1.96 versus the $1.73 estimate, while revenue of $22.62 billion topped the $21.86 billion consensus and increased 8.6 percent year over year. The bank also repurchased $3 billion of common stock during the quarter. On July 28, Wells Fargo raised its quarterly dividend 11 percent to 50 cents per share, payable Sept. 1 to shareholders of record as of Aug. 7. NorthWestern Energy (NASDAQ: NWE) - NorthWestern Energy reported second quarter results on July 29, with EPS of 50 cents topping the 42-cent analyst estimate and revenue of $392.6 million coming in above the $386.22 million consensus. The company declared a quarterly dividend of 67 cents per share, payable Sept. 1 to shareholders of record as of Aug. 17. It also said that Montana is the only remaining regulatory jurisdiction requiring approval for its proposed merger with Black Hills Energy. CNH Industrial (NYSE: CNH) - On July 14, CNH Industrial's New Holland brand launched its next-generation Speedrower 1 Series for hay and forage growers. The new equipment combines increased power with Relative Yield Monitoring and lifetime FieldOps connectivity, allowing farmers to collect and use field data during harvest. Orders are open, with deliveries expected to begin late this year. Citigroup (NYSE: C) - Citigroup's second quarter earnings report, released on July 14, showed broad-based growth, with revenue up 14 percent year over year to $24.8 billion and net income up 45 percent to $5.8 billion. EPS of $3.15 exceeded the consensus estimate by 41 cents. The bank also returned $5 billion to shareholders through dividends and share repurchases during the quarter. Smithfield Foods (NASDAQ: SFD) - On July 30, Smithfield Foods declared a quarterly cash dividend of 31.25 cents per share, payable Aug. 27 to shareholders of record as of Aug. 13. The payment continues the company's capital-return program ahead of its fiscal second quarter earnings report on Aug. 11. McDonald's (NYSE: MCD) - On July 23, McDonald's declared a quarterly cash dividend of $1.86 per share. The dividend is payable Sept. 16 to shareholders of record as of Sept. 1, maintaining the company's current quarterly payout. The company also launched several limited-time nationwide menu offerings on July 21, combining menu innovation with value-focused options that could help support customer traffic. Walmart (NYSE: WMT) - Walmart launched its back-to-school campaign on July 15, offering what it describes as its lowest prices since 2019 on 14 of the most commonly purchased school-supply items. With individual products starting at 25 cents, the campaign reinforces Walmart's value positioning as families prepare for the new school year. Target (NYSE: TGT) - Target opened 11 new stores in July, including in Brookings, as part of its plan to open more than 30 locations and remodel over 130 stores this year. The retailer also reduced prices on thousands of back-to-school and college products, with 95 percent of its school-supply deals priced at or below the previous year's retail prices. Macy's (NYSE: M) - On July 14, Macy's appointed Alexandre Choueiri as CEO of Bluemercury, effective Aug. 3. Choueiri will oversee the luxury beauty retailer's business and growth strategy, making the leadership change particularly relevant as Macy's works to strengthen its higher-growth nameplates under its Bold New Chapter strategy. Dillard's (NYSE: DDS) - On July 13, Dillard's real estate partner Trademark Property announced additional renovations and leasing activity at Longview Mall in Texas, which the companies jointly acquired in 2025. A new Dillard's Men's Store is expected to open at the property in spring 2027, expanding the retailer's existing footprint at the mall. Amazon (NASDAQ: AMZN) - Amazon reported second quarter results on July 30, including EPS of $5.75, compared with the $1.82 analyst consensus estimate. The result included a significant nonoperating gain primarily related to Amazon's investment in Anthropic. Net sales increased 20 percent year over year to $200.6 billion, while Amazon Web Services sales rose 37 percent to $42.2 billion. Costco (NASDAQ: COST) - On July 8, Costco reported net sales of $29.24 billion for the five-week June retail month, which ended July 5. This marks an increase of 10.6 percent from the same period one year earlier. Comparable sales increased 8.8 percent, while digitally enabled comparable sales rose 20.9 percent. Costco also declared a quarterly dividend of $1.47 per share, payable Aug. 7 to shareholders of record as of July 24. Ford Motor (NYSE: F) - Ford delivered a double beat when it reported second quarter results on July 28. EPS of 42 cents exceeded the 33-cent estimate, and revenue reached $48.3 billion against a $47.24 billion consensus despite declining 3.8 percent year over year. Ford also raised its full-year adjusted operating profit outlook to between $10 billion and $11 billion. Earlier in the month, Ford and Chinese automaker Geely announced plans to form a European manufacturing joint venture at Ford's plant in Valencia, Spain. General Motors (NYSE: GM) - On July 1, General Motors reported that it remained the leading U.S. automaker by second quarter sales, despite a 4 percent decline in U.S vehicle sales. On July 21, the company released its second quarter earnings report, clearing both analyst targets. EPS came in at $3.57 versus the $3.19 estimate, while revenue of $48.03 billion topped the $47.01 billion consensus. GM also raised its full-year adjusted operating profit outlook to between $14 billion and $16 billion and declared a quarterly dividend of 18 cents per share, payable Sept. 17 to shareholders of record as of Sept. 4. MarketBeat overview. MarketBeat was founded in 2011 to create high-quality stock research tools and make them available to investors at all levels. The site uses the latest technology to provide proprietary, comprehensive, accurate and up-to-the-minute financial data, including information about analyst recommendations, dividend declarations and earnings announcements. All this information and more is available for free on the company's website and via the company's daily newsletters. MarketBeat aims to be a go-to resource for both retail and institutional investors. Currently, over 20 million individuals visit MarketBeat.com every month.

Third News

Jul 30th, 2026

ACT Capital Advisors Secures Significant Financing to Boost Teichos Energy's Solar Initiatives - Third News

ACT Capital Advisors has facilitated a $30 million financing deal for Teichos Energy, aimed at advancing solar energy projects in the northeastern U.S. This milestone strengthens the renewable energy sector.

Yahoo Finance

Jul 30th, 2026

ACT Capital Advisors Secures Development Capital from Pathward and BridgePeak for Teichos Energy's Late-Stage Solar Energy Projects

ACT Capital Advisors Secures Development Capital from Pathward and BridgePeak for Teichos Energy's Late-Stage Solar Energy Projects PR Newswire

MarketBeat

Jul 21st, 2026

Pathward Financial, Inc. $CASH stock Holdings lifted by Allspring Global Investments Holdings LLC.

Pathward Financial, Inc. $CASH stock Holdings lifted by Allspring Global Investments Holdings LLC. July 21, 2026 Key points. * Allspring Global Investments boosted its Pathward Financial stake by 45.8% in the first quarter, ending with 232,830 shares valued at about $21.0 million. * Pathward Financial reported quarterly earnings of $3.35 per share, matching analyst expectations, while revenue rose 5.1% year over year to $276.3 million. * Analysts remain bullish on CASH, with a consensus Buy rating and an average target price of $107.50, above the stock's recent trading level around $89. * MarketBeat previews top five stocks to own in August. Allspring Global Investments Holdings LLC grew its position in Pathward Financial, Inc. (NASDAQ:CASH - Free Report) by 45.8% during the 1st quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The fund owned 232,830 shares of the savings and loans company's stock after purchasing an additional 73,157 shares during the period. Allspring Global Investments Holdings LLC owned about 1.07% of Pathward Financial worth $20,959,000 at the end of the most recent quarter. A number of other hedge funds and other institutional investors also recently made changes to their positions in CASH. EverSource Wealth Advisors LLC raised its position in Pathward Financial by 43,200.0% during the second quarter. EverSource Wealth Advisors LLC now owns 433 shares of the savings and loans company's stock valued at $34,000 after acquiring an additional 432 shares in the last quarter. Smartleaf Asset Management LLC grew its position in Pathward Financial by 23.0% in the fourth quarter. Smartleaf Asset Management LLC now owns 630 shares of the savings and loans company's stock worth $45,000 after acquiring an additional 118 shares in the last quarter. State of Wyoming bought a new stake in Pathward Financial in the second quarter worth approximately $46,000. Rockefeller Capital Management L.P. increased its stake in shares of Pathward Financial by 225.6% during the 4th quarter. Rockefeller Capital Management L.P. now owns 853 shares of the savings and loans company's stock worth $61,000 after purchasing an additional 591 shares during the last quarter. Finally, New Age Alpha Advisors LLC acquired a new position in shares of Pathward Financial during the 4th quarter worth $77,000. 92.66% of the stock is owned by hedge funds and other institutional investors. Pathward Financial stock down 0.5%. CASH opened at $89.34 on Tuesday. The firm has a market cap of $1.89 billion, a P/E ratio of 10.61 and a beta of 0.60. The company has a debt-to-equity ratio of 0.04, a quick ratio of 0.80 and a current ratio of 0.81. The business has a 50 day moving average price of $84.56 and a 200 day moving average price of $86.81. Pathward Financial, Inc. has a twelve month low of $65.87 and a twelve month high of $101.26. Discover more American Consumer News Stock research tools Pathward Financial (NASDAQ:CASH - Get Free Report) last issued its quarterly earnings data on Wednesday, April 22nd. The savings and loans company reported $3.35 earnings per share for the quarter, hitting analysts' consensus estimates of $3.35. Pathward Financial had a net margin of 22.42% and a return on equity of 22.35%. The business had revenue of $276.30 million during the quarter, compared to analysts' expectations of $272.04 million. During the same period in the previous year, the company earned $3.11 earnings per share. Pathward Financial's revenue for the quarter was up 5.1% on a year-over-year basis. Pathward Financial has set its FY 2026 guidance at 8.550-9.050 EPS. Research analysts forecast that Pathward Financial, Inc. will post 8.73 EPS for the current year. Pathward Financial dividend announcement. The company also recently declared a quarterly dividend, which was paid on Wednesday, July 1st. Shareholders of record on Thursday, June 11th were issued a dividend of $0.05 per share. This represents a $0.20 dividend on an annualized basis and a yield of 0.2%. The ex-dividend date was Thursday, June 11th. Pathward Financial's dividend payout ratio is 2.38%. Insider activity. In other news, Director Douglas J. Hajek sold 5,000 shares of the firm's stock in a transaction on Wednesday, April 29th. The shares were sold at an average price of $86.37, for a total value of $431,850.00. Following the sale, the director owned 12,281 shares in the company, valued at approximately $1,060,709.97. This trade represents a 28.93% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is accessible through this hyperlink. Also, Director Elizabeth G. Hoople sold 4,500 shares of the company's stock in a transaction on Friday, May 29th. The shares were sold at an average price of $82.29, for a total transaction of $370,305.00. Following the transaction, the director owned 28,050 shares of the company's stock, valued at approximately $2,308,234.50. The trade was a 13.82% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Company insiders own 1.43% of the company's stock. Wall Street analysts forecast growth. CASH has been the subject of several analyst reports. Keefe, Bruyette & Woods lifted their price objective on shares of Pathward Financial from $100.00 to $108.00 and gave the company an "outperform" rating in a research note on Thursday, April 23rd. Weiss Ratings reissued a "buy (b)" rating on shares of Pathward Financial in a research report on Friday, May 8th. Three research analysts have rated the stock with a Buy rating, According to MarketBeat.com, Pathward Financial presently has a consensus rating of "Buy" and a consensus target price of $107.50. Pathward Financial company profile. Pathward Financial NASDAQ: CASH is a U.S.-based financial services company that operates through its wholly owned subsidiary, Pathward Bank. The company provides a range of banking and payment solutions designed for consumers, small businesses, community banks and fintech partners. Core offerings include deposit accounts, consumer and commercial lending, debit and prepaid card programs, digital banking platforms and treasury management services. Through its banking charter, Pathward Financial delivers customizable payment solutions, including prepaid cards, payroll cards and benefit disbursement programs. Want to see what other hedge funds are holding CASH? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Pathward Financial, Inc. (NASDAQ:CASH - Free Report). This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Pathward Financial, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and Pathward Financial wasn't on the list. While Pathward Financial currently has a Buy rating among analysts, top-rated analysts believe these five stocks are better buys. With the proliferation of data centers and electric vehicles, the electric grid will only get more strained. Download this report to learn how energy stocks can play a role in your portfolio as the global demand for energy continues to grow.

Pathward

Business Risk Program Director - Commercial Credit Advisor

About the job