Your Journey Starts Here:
Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.
An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!
The Difference You Make:
The Dealer Commercial Services (“DCS”) Risk & Control Manager operates within the First Line of Defense and is accountable to assist the DCS Business in driving effective and consistent business line execution against Regulatory and Policy requirements, and the Enterprise Risk Management Framework. They are expected to review and evaluate business operations and risk-taking activities as a critical business partner guiding stakeholders to best practices and quality standards in the 1st line.
Serve as a subject matter expert by advising and guiding risk initiatives such as Quality Control reviews, risk assessments, KRI/KPI development and monitoring, working with the Head of DCS Business Management and the BCO organization to proactively self-identify issues, and ensure on-time remediation of issues.
Lead a team with SME responsibility for Operational, Credit, Legal, and Risk review and oversight.
Acts as subject matter expert for new products and services. Seek and share knowledge in all areas of DCS business.
Ensures highest quality of execution by communicating and responding to business line functions on general inquiries and business practices. Collaborates with internal operational and portfolio management areas to respond to issues in a timely manner and take immediate action to address issues as they arise, escalating when appropriate. Facilitates training and communication to minimize repeat issues.
Drive Risk Culture: Ensure adherence and awareness in the Business Line of risk frameworks, policies and standards.
Control Testing: Implement and maintain quality control testing and control effectiveness monitoring in the Business Line. Validate the adequacy of controls and work product, escalate deficiencies as appropriate. Identify root causes of control deficiencies/weaknesses and monitor to ensure Business Lines remediate and prevent recurrence.
Exam Management: Liaison with third-party for all exam related activities including regulatory, Internal Audit and Credit Risk Review. Review materials, responses and validate Business Line remediation work (e.g. artifacts, action plans, etc.). Manage and execute risk related activities and routines.
Serves as embedded risk champion, partnering with and supporting the Business-Line, BCO organization, 2nd LOD, and third-party reviewers on issue identification and remediation, internal control testing, and on-going monitoring activities. Maintains effective two-way communication and fosters productive reciprocal relationships as the single point of contact for DCS to centralized operational and risk functions.
Conducts transaction level review for new and existing credits to ensure quality is aligned with DCS and SBNA standards, and to facilitate and oversee identified or required remediation actions.
What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Bachelor's Degree or equivalent work experience. – Required
Master's Degree in Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Preferred.
5+ years of work experience in Risk Management, Internal Controls, Auditing, Credit Management, relevant line of business experience and/or legal or regulatory experience. – Required
5+ years of people management experience. – Preferred.
Formal Credit Training or equivalent. - Preferred.
Motivated to achieve results through teamwork and collaboration.
Exceptional communication skills (verbal, written, presentation, and interpersonal).
Ability to identify and resolve exceptions and to interpret data.
Ability to manage multiple tasks/projects and deadlines simultaneously.
Demonstrated experience executing risk projects across multiple business lines offering a wide variety of financial services products and services.
Advanced knowledge of the financial services sector, particularly with the competitive dynamics and products in commercial banking and risk management.
Demonstrated thought leadership and application of operational risk identification and mitigation practices and procedures.
Advanced understanding of the regulatory environment and how the risks of the products and services the bank offers are viewed by the Second Line of Defense and regulators.
Demonstrated judgement in escalation, ensuring risk-based clear line of sight for senior executives into existing and emerging issues/incidents.
Ability to build credibility with, collaborate with, and influence line of business executives.
Excellent analytical and complex problem solving skills.
Superior project management skills.
Ability to constructively work both independently and in collaborative environments involving all levels of management and employees.
Ability to collaborate with internal and external service providers to establish resource requirements, scheduling, assignments and service levels.
It Would Be Nice For You To Have:
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
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 RangeMinimum:
$86,250.00 USDMaximum:
$155,000.00 USDBenefits:
Santander Benefits - 2025 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.