IT STARTS HERE
Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.
This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.
Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
Santander Digital Services is the team of technology and operations at Santander. We are convinced of the importance of technology that is aligned with the requirements of the business and that out work not only brings value to users, people and communities but also fosters individual creativity. Our team of over 7,000 people in 8 countries (Spain, Portugal, Poland, UK, USA, Mexico, Chile and Brazil) develops and/or implements financial solutions across a broad spectrum of technologies (including Blockchain, Big Data and Angular among others) on all kinds of on-premise and cloud-based platforms.
THE DIFFERENCE YOU MAKE
Santander Digital Services is looking for a Fraud Prevention Analyst based out of Spain, Brazil or Portugal.
The mission of the Santander Group's Technology and Operations Division is to contribute to the Group's strategy by making possible the operations of Santander's different businesses, by contributing to optimization, growth, and value creation; in addition to reducing risk and improving efficiency. Therefore, we help Santander to become the best open platform for financial services.
As part of this Division, Cybersecurity and Fraud Prevention are part of the Santander Group's main priorities and a crucial element to make Santander a cyber resilient organization that can withstand, detect and rapidly react to cyberattacks, while constantly evolving and improving our defences.
The protection of systems, information and customers is a priority for the Group and a crucial component of Santander's purpose of "helping people and companies to prosper" and our goal of "offering excellent digital services for our customers”.
If you share our passion for technology and are up for the challenge, come join us!
As a Fraud Prevention Analyst, you will be responsible for detecting and analysing fraud patterns, strengthening monitoring capabilities, and supporting the development of effective prevention strategies across the organisation.
We need someone like you to help us in different fronts:
Analyse transactional patterns, behavioural trends, and anomalies to proactively detect fraud schemes, attacks, and new typologies.
Investigate fraud alerts, cases, and escalations, ensuring timely resolution.
Monitor emerging fraud risks and collaborate with business and operational teams to maintain a holistic view of fraud trends.
Evaluate and recommend improvements/tunning to fraud prevention rules, thresholds, models, and processes to enhance detection accuracy and reduce false positives.
Conduct investigations of fraud alerts, cases, and escalations.
Stay informed on industry fraud-prevention practices, technologies, and tools used in the banking sector, identifying opportunities to enhance the bank’s detection capabilities.
Contribute to strategic fraud risk assessments of business products and developments, to identify vulnerabilities and requirements.
WHAT YOU’LL BRING
Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organization. We’re enabling teams to go beyond by valuing who they are and empowering what they bring.
The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Professional Experience
Minimum of 2 years of experience in Fraud Prevention roles.
Excellent communication skills written and spoken.
Experience in the financial/banking industry.
Capacity to build effective relationships with a wide range of stakeholders in a complex partnership environment.
Exceptional hands-on management style and the ability to address and resolve issues efficiently and deliver results.
Flexibility and ability to work both; independently and collaboratively.
Superior relationships management, excellent organizational skills, ability to multi-task and attention to details.
Excellent judgment and rigorous analytical skills.
Education
University degree in Computer Engineering, Information Systems, Business, Administration or related field or relevant experience.
Certifications in fraud prevention skills or tools.
Certifications in cybersecurity (valued).
Languages
English (Required)
Spanish (Required)
Hard Skills
Knowledge of banking products and processes, such as cards, loans, payments, digital onboarding and banking apps.
Familiarity with fraud platforms: transaction monitoring, behavioral biometrics and identity verification. It will be valued the knowledge in Rule configuration, thresholds, and alert tuning, as well as interpretation of risk scores and model outputs.
Familiarity with topics related to fraud or financial crime, such as, first-party fraud, authorized/non-authorized fraud, money mules, etc..
Data analysis skills, using tools such as Power BI, Excel, SQL.
Statistics knowledge (trends, deviations, correlations).
Knowledge in Cyberfraud TTPs and trends per taxonomy (ex: scams, cards fraud, identity fraud, online/mobile fraud, etc…), per products (ex: payments, debit cards, digital wallets, dealer fraud, mobile, web, etc…) and type of attack (ex: phishing, deepfakes, money mules, social engineering, account takeover, vishing, impersonation, etc…)
Regulatory knowledge applicable to fraud
Understanding of machine learning models and algorithms (optional but valuable)
Soft Skills
Problem solving skills and an innovative mind-set to ensure a clear focus on the strategic agenda.
Ability to work and reach satisfactory agreements and find practical solutions for Fraud with all its stakeholders in different geographies and roles
Good knowledge of Internal and external fraud risk management, cyber security, IT concepts.
Excellent and clear communication skills in both online in written interactions, and face-to-face customer service interactions.
Business relationship management at high pressure situations.
Ability to work effectively across cultures and geographies.
WE VALUE YOUR IMPACT
Your contribution matters, and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. But we know rewards go beyond numbers.
We’re enable our teams to go beyond through global opportunities and broad career paths.
Flexibility that works. Enjoy a hybrid working models—some days remote, some days onsite with your team—along with flexible hours.
Learning for life. Access hundreds of courses on our platforms, including exclusive access to our global learning space: Santander Open Academy (www.santanderopenacademy.com)
Competitive rewards. Receive a highly competitive salary with performance-based bonuses, motivating you to keep growing with us.
Financial advantages. Benefit from preferential banking terms, special interest rates on loans, life insurance, and more.
Your health is our priority. Through BeHealthy, our global wellness programme, we promote Holistic wellbeing.
We know family is everything. That’s why we offer childcare support and family-friendly programmes tailored to each life stage.
Always by your side. Get access to Santander Contigo, our program for employees and their families offering legal, emotional, and administrative advisory services.
Extra benefits. Gym/WellHub membership, medical centers in some of our facilities, meal subsidy, parking, shuttle service from various points in Madrid, as well as exclusive discounts and offers for Santander employees. And that’s only the beginning—we’ll tell you more when you join!
We’re here to keep you motivated, help you reach your goals, and celebrate your progress, every step of the way.