It Starts Here:
Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and 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.
If you are interested in exploring the possibilities We Want to Talk to You!
The Sr. Technology Risk & Control Associate operates within the First Line of Defense and is responsible for leading the execution and continuous enhancement of technology risk and control frameworks, including control identification, control testing, and residual risk assessments as part of the RCSA program. This role exercises a high degree of independence in assessing risk exposures and driving the design and implementation of effective control environments. Acts as a key partner to the business, championing the Business Control mandate by influencing stakeholders to embed sustainable risk management practices within the First Line. As a subject matter expert, the individual provides strategic guidance across enterprise-wide initiatives, including risk assessments, KPI/KRI development, and issue remediation.
This role requires extensive cross-functional collaboration and the ability to influence senior stakeholders to align on risk mitigation strategies and regulatory expectations. Plays a critical role in shaping risk strategy, improving control effectiveness, and driving a strong risk culture across the organization. May lead initiatives and provide oversight or guidance to junior team members as needed.
Position Duties / Responsibilities
• Acts as a key liaison with Risk, Compliance, and Second Line of Defense functions to lead the development, enhancement, and execution of policies, risk assessments, risk mandates, business continuity, and resolution planning activities across the line of business.
• Independently analyzes and evaluates complex regulatory requirements and business processes, providing strategic guidance and actionable recommendations to ensure alignment with regulatory expectations and sound risk management practices.
• Leads the design, implementation, and enhancement of controls and procedures in alignment with regulatory standards, proactively addressing risks associated with products, services, customer types, and operational environments.
• Owns the end-to-end execution and continuous improvement of the compliance program for the assigned area; identifies control gaps, drives root cause analysis, and implements sustainable remediation strategies.
• Drives and influences changes to policies, procedures, and business processes to ensure alignment with FFIEC and enterprise risk management standards, acting as a trusted advisor to business stakeholders.
• Partners effectively with senior stakeholders across lines of business to assess risk, gather requirements, and ensure appropriate mitigation strategies are implemented.
• Provides regular, insightful reporting and risk updates to senior management (L2/L3), highlighting key risks, emerging issues, and program performance.
• Leads complex, cross-functional process evaluations impacting multiple lines of business, ensuring consistency, efficiency, and adherence to regulatory expectations.
• Serves as a primary point of contact for regulatory examinations and internal/external audits, articulating the rationale behind controls and decisions, and ensuring timely and accurate delivery of required documentation.
• Recognized as a subject matter expert, contributing to enterprise-wide initiatives including risk assessments, KPI/KRI development, issue remediation, and control enhancements.
• Monitors and communicates regulatory developments and emerging risks, assessing business impact and driving necessary changes within the assigned compliance area.
• Provides guidance and mentorship to team members and business partners on risk and compliance matters, supporting effective issue resolution and capability building.
• Delivers regular reporting and updates to the CORO and Compliance Director and other senior stakeholders on program status, risks, and remediation efforts.
• Other duties as assigned or requested by immediate supervisor.
Education:
Bachelor’s degree required or equivalent experience
Business Experience:
6 - 8 years of relevant experience or demonstrated required level of proficiency
Specialized and/or Technical Knowledge:
• Ability to build credibility, collaborate with, and influence stakeholders, while developing strong internal and external networks within the risk management ecosystem.
• Experience working both independently and collaboratively across all levels of the organization, including coordination with internal teams and external service providers to manage resources, assignments, and service levels.
• Strong understanding of the regulatory environment, including BSA/AML and OFAC requirements, and how product and service risks are evaluated by the Second Line of Defense and regulators.
• Demonstrated experience supporting or leading risk initiatives across multiple business lines and a broad range of financial products and services.
• Excellent analytical and complex problem-solving skills, combined with foundational project management capabilities and knowledge of retail banking and competitive dynamics.
Languages English, required. Spanish is a plus.
What Else You Need To Know:
The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.
Base Pay Range:
Minimum:
$86,250.00 USDMaximum:
We Value Your Impact:
Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)
Risk Culture:
We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
EEO Statement:
At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.
Working Conditions:
Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
Employer Rights:
This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.
What To Do Next:
If this sounds like a role you are interested in, then please apply.
We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.