Client Onboarding Sr. Analyst

Santander Bank; Miami (FL); On-site; USD 52,500 - 87,500; Full time

Job summary

Santander Bank is seeking a Client Onboarding Sr. Analyst to review account opening documentation, perform KYC, CIP and due diligence for new and existing clients. You will collaborate with regional teams to ensure compliance with U.S. and local laws and bank policies.

In this role you will manage and validate client data, support the onboarding unit with training and process improvements, and engage with stakeholders to drive accurate, timely risk reviews across multiple regions.

Qualifications

• KYC and due diligence procedures familiarity required.

Responsibilities

• Reviews account opening documentation and validates KYC information for new and existing clients.

Skills

KYC knowledge

CDD/Due diligence

CIP procedures

Regulatory compliance

Relationship management

Analytical thinking

Multilingual English/Spanish

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Client Onboarding Sr. Analyst

Country: United States of America

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.

The Client Onboarding Sr. Analyst is responsible for reviewing account opening documentation, KYC information, and conducting CIP, due diligence and negative media analysis on new and existing clients. The Client Onboarding Sr. Analyst at Banco Santander International (BSI) is responsible for assuring that client accounts are opened in the Commercial 1LOD are in compliance with applicable BSI and Group policies and procedures as well as U.S and local laws and regulations. The Client Onboarding Sr. Analyst will also assist in developing awareness of BSI’s Risk Tolerance Statement; assist with special projects relative to the Onboarding & Documentation Unit. The Client Onboarding Sr. Analyst is responsible for managing the relationship with Regionals and Bankers of the marketing regions they will be supporting. Including identifying improvement opportunities and coordinating necessary action.

The Client Onboarding Sr. Analyst reports to the Client Onboarding & Documentation Unit manager.

Position Duties / Responsibilities

• Conducts account opening documentation review and validation, including KYC, information, source of funds, wealth, and a dverse media searches and disposition , on new and existing clients
• Conducts CIP procedures and due diligence as defined in the KYC and DD procedures manual
• Analyze, depending upon the type of customer, the additional information required under BSI’s ” Know Your Customer ” policy and procedures, utilizing the Modelo IC/KYC form with the appropriate sections
• Collaborate with Onboarding & Documentation related special projects assigned by unit manager
• Stay updated on BSA/Anti-Money Laundering/Terrorist Financing and applicable consumer regulations
• Assist in preparing information for the Compliance and Management Committees
• Maintain a good working relationship business units and organizational groups within the Bank.
• Develops and participates in education, training and awareness activities and provide training to Marketing staff as necessary as well as providing guidance to other team members on KYC and DD effective approach.
• Other duties as assigned or requested by Supervisor

Specialized Knowledge

• Leadership aptitude, ability to motivate and engage team members at all levels with the ability to influence
• Project Management oversight skills
• Sound decision making and judgment skills
• Ability to identify potential enhancements in processes, write procedures and reports
• Ability to employ reasonable assessment of a company’s cash flow, income statements and balance sheet as well as ownership structures and international corporate documents
• Account opening documentation knowledge. Knowledge of CIP procedures; CDD, fiduciary structures and ownership of corporate and wealth preservation structures .
• Knowledge of T-24 and other due diligence tools

Education:

Bachelor’s degree required or equivalent experience

Business Experience:

3-5 years of relevant experience or demonstrated required level of proficiency

Supervisory / Management Scope:

Manage process or technology

Technical Knowledge:

Microsoft Office applications

Ability to multitask

Proactive self-starter, values personal accountability

Strong decision making skills

Detail oriented and accurate

Strong accountability skills

Excellent communications skills: writing & verbal

Licenses / Certifications:

AML certification(s) preferred, similar or banking experience in control area

Languages:

Bilingual English, Spanish; Portuguese is a nice to have .

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:

$52,500.00 USD

Maximum:

$87,500.00 USD

Link to Santander Benefits:

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.

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 [e-mail] to discuss your needs.

Primary Location: Miami, FL, Miami

Other Locations: Florida-Miami

Organization: Banco Santander International