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 Specialist 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 Specialist, you will play a central role in shaping the organisation’s fraud prevention strategy by leading end-to-end fraud risk assessments, advising on industry-leading prevention practices, and driving the evolution of frameworks, controls, and detection capabilities.
We need someone like you to help us in different fronts:
Lead and contribute significantly fraud risk assessments for new products, journeys, and digital developments, identifying vulnerabilities, control gaps, and mitigation requirements early in the design phase.
Provide fraud prevention subject-matter expertise to cross-functional initiatives, supporting enhancements to fraud frameworks, controls and processes.
Act as an expert advisor on fraud-prevention industry practices, technologies, and tools, evaluating new capabilities, benchmarking with peers, and identifying opportunities to enhance the bank’s strategic detection ecosystem.
Monitor and assess emerging fraud trends, collaborating with business, product, cybersecurity, and operational teams to maintain a forward-looking and holistic view of the evolving threat landscape.
Support with an expert view in fraud events response, ensuring high-quality root-cause analysis, effective remediation actions and lessons learned.
Define, plan, and drive the execution of fraud prevention strategic initiatives, ensuring the alignment of frameworks, controls, and operational processes with fraud-threat trends.
Stay informed on industry fraud-prevention practices, technologies, and tools used in the banking sector, identifying opportunities to enhance the bank’s detection capabilities.
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 4 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.
Experience in designing or enhancing fraud controls and frameworks.
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
Strong knowledge of fraud controls and countermeasures, including, decision engines and rule-based systems, authentication and identity verification, biometrics and behavioural analytics, device intelligence and risk scoring.
Understanding of fraud-prevention architectures and key technological components such as real-time decisioning platforms, orchestration, middleware and machine learning fraud models.
Knowledge of banking products and processes, such as cards, loans, payments, digital onboarding and banking apps.
Deep understanding of fraud typologies (APP scams, card fraud, digital onboarding fraud, account takeover, mule activity, payment fraud, social engineering, etc.).
Strong 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…).
Define fraud prevention strategic roadmaps and architectures blueprints.
Strong analytical skills to interpret, transactional behaviours, trends, anomalies, and event patterns multi-channel fraud indicators
Solid understanding of leading fraud platforms including transaction monitoring, behavioral biometrics and identity verification.
Knowledge on conducting fraud risk assessments and identifying control gaps in business products and processes.
Solid knowledge on 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).
Regulatory knowledge applicable to fraud.
Even though the role is fraud-focused, it will be valued as a good understanding of cybersecurity TTPs and threats intelligence.
Soft Skills
Strategic thinking and problem-solving skills
Innovative mind-set to ensure a clear focus on the strategic agenda.
Strong stakeholder management skills, with the ability to negotiate, influence, and reach effective agreements across different geographies, cultures, and functional roles.
Ability to work and reach satisfactory agreements and find practical solutions for Fraud with all its stakeholders in different geographies and roles.
Ability to operate under pressure, managing high-impact situations with calm, clarity, and sound judgment.
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.
Cross-cultural collaboration, working effectively in global, diverse, and matrixed environments.
Leadership through expertise, guiding teams and stakeholders by providing clear direction, structure, and subject-matter insight.
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.
LOCAL COMPLIANCE
Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.
WHAT TO DO NEXT
If this sounds like a role you are interested in, then please apply.
READY TO TAKE THE NEXT STEP IN YOUR JOURNEY?