Associate, Technology Business Control & Risk Management

santander; Miami (FL); On-site; USD 90,000 - 120,000; Full time

Job summary

Santander in the United States seeks an Associate, Technology Business Control & Risk Management to strengthen the First Line of Defense by identifying and assessing risks, coordinating remediation, and partnering with business lines on risk initiatives. The role emphasizes process mapping, control testing, and risk commentary to support governance and decision making.

You will collaborate with stakeholders, develop KRI/KPI metrics, and help ensure compliance with risk policies while

Qualifications

• Bachelor's Degree in related field or equivalent demonstrated through work or education.
• Master's Degree in related field preferred.
• 5+ years in risk management, internal controls, auditing, credit management or regulatory experience.
• Knowledge of financial services, especially retail banking risk.
• Ability to influence line of business executives and collaborate effectively.

Responsibilities

• Drive risk culture awareness by communicating policies and standards.
• Develop metrics and deliver data to stakeholders; understand root causes of risks.
• Ensure adherence to risk frameworks, policies, and standards with stakeholders.
• Continuously monitor risk across the business line and anticipate issues.
• Conduct risk identification, assessment, and control testing activities.
• Manage internal control testing and validate remediation effectiveness.
• Coordinate exam materials and remediation with regulatory/ Internal Audit teams.
• Support the KRI framework definition and implementation.

Skills

Risk Management

Internal Controls

Auditing

Credit Management

Regulatory Experience

Education

Bachelor's Degree

Master's Degree

Job description

Associate, Technology Business Control & Risk Management

Country: United States of America

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.

The Difference You Make:

The Associate, Business Control & Risk Management operates within the First Line of Defense and is accountable to assist the Business Control & Risk Management team in driving effective and consistent business line execution against the Enterprise Risk Management Framework. Specifically, the Associate works to identify, assess key risks and control effectiveness throughout the assigned business line by driving business unit adherence with applicable risk frameworks, Corporate/Business Line policies and standards. The incumbent will also assist with completion of business line risk initiatives, as assigned, such as risk assessments, KRI/KPI development and monitoring, and on‑time remediation of issues. The Associate must be able to effectively partner with various stakeholders.

• Drive Risk Culture: Ensure awareness in the Business Line of risk frameworks, policies and standards.
• Communication & Training: Work with team members and key stakeholders to develop appropriate metrics and deliver relevant and accurate data. Work with internal teams to gain an in-depth understanding of existing risks, causes, severity rating, controls an
• Adherence to Risk Frameworks, Policies, and Standards: Partner with SLoD to provide input/review of frameworks, policies and standards. Facilitate Business Line awareness of and adherence to risk frameworks, policies, and standards and issue validation. R
• Continuously monitors all sources of risk existing within the Business Line and externally. Engage in research, peer networking, and experience to anticipate critical risk issues impacting the Business Line. Understand where operational, strategic, repu
• Where applicable, Issue Identification, Management, and Risk Assessment: Conduct RCSA responsibilities including Process Mapping, Risk & Control Matrices, Inherent Risk Assessments, Internal Control testing and Heracles data/input. Engage and hold Busines
• Internal Control Testing: Implement and maintain internal control testing and control effectiveness monitoring in the Business Line. Validate the adequacy of controls, elevate deficiencies as appropriate. Identify root causes of control deficiencies/weak
• Exam Management: Liaison with the Business Line 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.).
• Support the implementation of Key Risk Indicator (KRI) framework: Formally define and document metric definition details (metric type, provider, approver, numerator & denominator descriptions, source, scope, thresholds, Risk Basel category) in the central

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.

Education:

• Bachelor's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
• Master's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred

Qualifications:

• 5+ Years Risk Management, Internal Controls, Auditing, Credit Management, relevant line of business experience and/or legal or regulatory experience. - Required.
• Demonstrated experience supporting and/or leading risk projects across multiple business lines offering a wide variety of financial services products and services.
• Knowledge of the financial services sector, particularly with the competitive dynamics and products in retail banking and risk management.
• 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.
• Ability to build credibility with, collaborate with, and influence line of business executives.
• Excellent analytical and complex problem solving skills.
• Strong project management skills.
• Ability to constructively work both independently and in collaborative environments involving all levels of management and empl