USA Representative, Bankruptcy (100% Remote)

Santander US; Dallas (TX); Remote; USD 38,000 - 59,000; Full time

Job summary

Santander US is seeking a Representative, Bankruptcy to manage bankruptcy accounts from inception to completion. You will review court documents, monitor dockets, ensure compliance with FDCPA and Bankruptcy Code, and coordinate with local counsel and litigation teams.

Strong communication and confidentiality are essential in this role. Required are a high school diploma or GED, with preference for a related bachelor’s degree and 0+ years in bankruptcy.

Qualifications

• High school diploma or GED required.
• Bachelor’s Degree in related field or equivalent preferred.
• 0+ years bankruptcy experience preferred.
• Ability to maintain confidentiality at all times.
• Ability to initiate collections process and communicate effectively.
• Strong verbal and written communication skills.
• Basic knowledge of regulations and collection policies.
• Proficient in Word and Excel; familiarity with collections software.

Responsibilities

• Reviews and validates court documents, account data, and referrals to local counsel.
• Performs timely Bankruptcy functional servicing.
• Monitors court dockets for changes within the bankruptcy case.
• Reviews trustee websites for compliance with the bankruptcy plan.
• Refers litigation requests to SC litigation team to submit accounts to outside counsel.
• Documents all account activity in the system of record.
• Ensures compliance with policies and procedures with the Fair Debt Collection Practices Act and Bankruptcy Code.
• Escalates risk issues identified to manager.
• Prepares Proof of Claim documentation for next level review and redacts servicing documents, including titles and contracts.

Skills

Communication skills

Customer service

Time management

Poise under pressure

Confidentiality

Legal/compliance understanding

Education

High school diploma or GED

Bachelor’s Degree (preferred)

Tools

Microsoft Word

Excel

Collections software

Internet

Job description

It Starts With You:

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 Representative, Bankruptcy is responsible for the handling all Bankruptcy accounts from inception to completion and for following federal, state and district guidelines as well as policies & procedures.

• Reviews and validates court documents, account data, and referrals to local counsel.

• Performs timely Bankruptcy functional servicing.

• Monitors court dockets for changes within the bankruptcy case.

• Reviews trustee websites for compliance with the bankruptcy plan.

• Refers litigation request to SC litigation team to submit accounts to outside counsel.

• Documents all account activity in the system of record.

• Ensures compliance with policies and procedures with the Fair Debt Collection Practices Act and Bankruptcy Code.

• Escalates risk issues identified to manager.

• Prepares Proof of Claim documentation for next level review and redacts servicing documents, including titles and contracts.

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:

• High school diploma, GED: or equivalent work experience - Required

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

Qualifications:

• 0+ Years Bankruptcy, or equivalent experience. - Preferred.

• Ability to maintain confidentiality at all times.

• Ability to initiate collections process and communicate in an assertive, compassionate, respectful, and successful manner.

• Strong verbal and written communication skills.

• Must have a basic working knowledge of regulations and collection policies and procedures.

• Proficient organizational and time management skills.

• Ability to understand collection laws.

• Computer proficiency, including Microsoft Word skills and Excel, Internet, familiarity with collections software and programs.

• Strong customer service skills.

• Ability to maintain poise under pressure.

Certifications:

• No Certifications listed for this job.

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.

Work Authorization & Sponsorship:

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

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:

$38,250.00 USD

Maximum:

$59,000.00 USD

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) (https://businessolver.foleon.com/santander/2026-santander-eguide/)

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.

AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO