Regulatory Compliance Testing – Advisor

Santander Bank; Dallas (TX); On-site; USD 71,000 - 130,000; Full time

Job summary

Santander Bank in Dallas, TX seeks an Advisor for Regulatory Compliance Testing to evaluate policies and controls across state and federal requirements. You will design testing scripts, conduct fieldwork, and communicate findings to line-of-business leaders to ensure effective remediation of identified issues.

The role emphasizes collaboration with Legal, Risk Management, and Operations, and requires staying current with regulatory changes, documenting processes, and supporting regulatory

Qualifications

• Bachelor’s Degree or equivalent work experience in Business, Finance, or a related field.
• Master’s Degree in Business, Finance, or equivalent is preferred.
• 5 years of experience in Compliance, Legal, Regulatory, or Financial Services is preferred.

Responsibilities

• Stay up to date with relevant state and federal laws and regulations, ensuring operations adhere to all requirements.
• Review and assess existing compliance policies and procedures, recommending updates and improvements.
• Document test scope and objectives associated with the review and the control activities being tested.
• Create testing scripts and conduct fieldwork (review of policies and procedures and perform transactional testing).
• Prepare and present testing results, including findings, root cause, and recommendations.
• Hold exit meetings with stakeholders to finalize issues and ratings.

Skills

Regulatory testing

Policy testing

Documentation

Communication

Cross-functional collaboration

MS Office

Education

Bachelor’s Degree or equivalent

Master’s Degree

Tools

Excel

Word

PowerPoint

Outlook

SharePoint

Job description

Regulatory Compliance Testing – Advisor

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.

We Want to Talk to You!

The Advisor, Compliance Testing (CT) plays a crucial role in ensuring SC is in compliance with state and federal regulations. You will be responsible for conducting regulatory compliance reviews independently or in conjunction with peers. The Advisor is responsible for performing compliance reviews of the various Federal and State laws affecting our business, including but not limited to: Reg. B/ECOA, Reg. Z/TILA, FCRA, FACT Act, FDCPA, UDAP/UDAAP, GLBA/Privacy, Reg. E, SCRA, and MLA.

The Difference You Make:

The purpose of this position is to evaluate policies and procedures, conduct testing to gauge the functionality of essential controls aimed at state and federal compliance, elevate issues related to control deficiencies and regulatory requirements, ensure adherence to enterprise-wide policies, and confirm the effectiveness of remedial actions taken to address identified problems.

• Stay up to date with relevant state and federal laws and regulations, ensuring operations adhere to all requirements.
• Review and assess existing compliance policies and procedures, recommending necessary updates and improvements.
• Document test scope and objectives associated with the review and the control activities being tested.
• Create testing scripts and conduct fieldwork (review of policies and procedures and perform transactional testing)
• Hold weekly meetings with the line of business during testing to clarify processes and present results of testing to date (including receipt and review of responses from the LOB).
• Preparing test presentations that effectively communicate testing results (findings and observations), root cause, and recommendations.
• Hold Exit Meetings with the Key stakeholders where agreement on issues occur, ratings are reviewed, and recommendations are finalized.
• Prepare and maintain detailed compliance reports and documentation, including regulatory filings, as required.
• Track CT findings from discovery to remediation and conducting validation of management actions plans.
• Evaluate the design and effectiveness of key controls to address compliance requirements and elevate control deficiencies.
• Contribute to the development, implementation, and execution of the compliance testing, reporting programs, and CT Plan.
• Develop and executing the CT Plan to monitor for compliance with rules, laws, and regulations.
• Participate in the development and enhancement of the CT Methodologies and Standards for testing, monitoring, and reporting.
• Develop effective relationships within CT and with other stakeholders including business and technology process owners and Internal Audit.
• Promote knowledge sharing and promulgation of best practices across CT and the business.
• Identify industry best practices and sharing insight with the CT team on a regular basis.
• Inform Compliance management of significant compliance matters that require their attention or action.
• Work closely with cross-functional teams, including Legal, Risk Management, and Operations, to ensure seamless compliance efforts.

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: Business, Finance, or equivalent degree. – Required.

Master’s Degree in Business, Finance, or equivalent field. – Preferred.

5 Years Compliance, Legal, Regulatory, or Financial Services. – Preferred.

• In-depth knowledge of state and federal Financial Services rules, laws, and regulations, and regulatory requirements.
• Strong analytical skills, attention to detail, and the ability to identify compliance risks
• Excellent communication skills, both written and verbal
• Ability to work independently, manage multiple projects, and meet deadlines
• Experience in planning, executing (including assessment of Policies and Procedures and creating testing scripts) and reporting on Financial Services compliance testing reviews and regulatory issue validation activities.
• Knowledge and experience with auditing principles including test planning, risk assessments, development of risks and controls matrices, processes and controls design assessments, controls operating effectiveness testing, transactional access segregation of duties, transactional testing, surveillance systems, and reporting activities.
• Awareness of regulatory developments promulgated by federal and state regulators, as well as securities, banking, and futures regulators.
• Strong interpersonal skills and experience building strong relationships with stakeholders and engaging teams.
• Effectiveness in working within a large scale and complex matrix organization.
• Must be a self-starter, flexible, innovative and adaptive.
• Highly motivated, strong attention to detail, team oriented, and organized.
• Strong presentation skills with the ability to articulate complex problems and solutions through concise and clear messaging.
• Ability to work collaboratively with regional and global partners in other functional units.
• Experience in managing regulatory exams and relationships with examiners, auditors, etc.
• Advanced Microsoft Office (Excel, Word, PowerPoint, Outlook, SharePoint) skills.

Certifications:

CRCM and NAF. – Preferred.

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 Range

Minimum:

$71,250.00 USD

Maximum:

$130,000.00 USD

Link to Santander Benefits:

Link to 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:

Dallas, TX, Dallas

Other Locations:

Texas-Dallas

Organization:

Santander Holdings USA, Inc.