Santander Holdings USA Inc
Vice President - Electronic Payments Risk Management Senior Associate
Santander Holdings USA Inc, Dallas, Texas, United States, 75215
Overview
Vice President - Electronic Payments Risk Management Senior Associate Country : United States of America Joining Santander offers a global environment that prioritizes continuous learning, development, and collaboration across geographies. You will be supported by a culture of engagement and a commitment to success as you explore diverse career opportunities and grow personally and professionally. An exciting journey awaits. We want to talk to you! Responsibilities
The Senior Associate, Risk Management for Payments will identify, assess, and manage operational risks associated with digital payments operations, ensure regulatory compliance, and contribute to robust risk mitigation strategies to maintain the stability and security of payment systems, ensuring operational resilience and safeguarding customer trust. Provide operational risk oversight to support end-to-end implementation of Wire, ACH, and other digital payments (Real Time Payments and Zelle), ensuring seamless integration with existing payment infrastructure, compliance with network operator rules, and alignment with industry best practices. Lead independent risk assessment and oversight for electronic payments projects, ensuring compliance with regulatory requirements, Payment Systems Risk Policy, Standards, and internal risk policies. Conduct risk assessments of payment systems, identify vulnerabilities, and implement mitigation strategies. Monitor and analyze money movement life cycle data to review and challenge potential concerns related to initiation, authentication, approval, processing, and settlement. Stay up-to-date with industry trends, regulatory changes, and best practices related to payment systems and operational risk management. Prepare and present risk assessment reports to senior management, highlighting key findings and recommendations. Participate in internal and external audits, providing documentation and support related to payment systems risk. Support the development and maintenance of business continuity and disaster recovery plans specific to payment systems. Support the creation, management, and development of Operational Risk program strategy, policies, and standards. Provide operational risk oversight to support end-to-end implementation of instant transfers and Cross-border Payments, ensuring seamless integration with existing payment infrastructure, compliance with network operator rules, and alignment with industry best practices. Qualifications
Bachelor's Degree in Business, Finance or related field or equivalent work experience. 9+ Years in operational risk management with deep understanding of electronic payments, including Wire and ACH. - Required. Subject Matter Expertise in Real-Time Payments (RTP) and / or Zelle. - Preferred. Familiarity with payment processing systems and regulatory requirements. Strong analytical and problem-solving skills for addressing complex risk issues. Excellent communication and interpersonal skills for effective teamwork. Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and risk reporting software. Strong operational risk management principles, methodologies and tools, governance principles, and experience in a financial services technology environment. Ability to operate independently in a complex, matrixed environment with productive relationships across business, functions, geographies and lines of defense. Advanced operational risk, process, and control validation and/or assessment skills. Ability to direct, train and guide peers, subordinates, and management. Ability to handle conflict resolution to ensure appropriate accounting guidance is followed. Ability to convey urgency and drive issues/projects to closure. Ability to interact effectively with the market, executive management, and vendors. Ability to adapt to multiple demands and competing priorities. Certifications
No Certifications listed for this job. Nice 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 : $93,750.00 USD Maximum : $160,000.00 USD Link to Santander Benefits : Santander Benefits - 2025 Santander OnGoing / NH eGuide () Risk Culture : We embrace a strong risk culture and all professionals are expected to take a proactive and responsible approach toward risk management. EEO Statement : 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. Depending on location, occasional moving and lifting light equipment may be required. Employer Rights : This job description does not list all duties and the employer may revise the description at any time. This is not a contract for employment. What To Do Next
If this sounds like a role you are interested in, please apply. We are committed to an inclusive and accessible application process. If you require assistance due to a disability or other need, please contact us to discuss your needs. Primary Location :
New York, NY, New York Other Locations :
New York-New York, Florida-Miami, Texas-Dallas Organization :
Santander Holdings USA, Inc.
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Vice President - Electronic Payments Risk Management Senior Associate Country : United States of America Joining Santander offers a global environment that prioritizes continuous learning, development, and collaboration across geographies. You will be supported by a culture of engagement and a commitment to success as you explore diverse career opportunities and grow personally and professionally. An exciting journey awaits. We want to talk to you! Responsibilities
The Senior Associate, Risk Management for Payments will identify, assess, and manage operational risks associated with digital payments operations, ensure regulatory compliance, and contribute to robust risk mitigation strategies to maintain the stability and security of payment systems, ensuring operational resilience and safeguarding customer trust. Provide operational risk oversight to support end-to-end implementation of Wire, ACH, and other digital payments (Real Time Payments and Zelle), ensuring seamless integration with existing payment infrastructure, compliance with network operator rules, and alignment with industry best practices. Lead independent risk assessment and oversight for electronic payments projects, ensuring compliance with regulatory requirements, Payment Systems Risk Policy, Standards, and internal risk policies. Conduct risk assessments of payment systems, identify vulnerabilities, and implement mitigation strategies. Monitor and analyze money movement life cycle data to review and challenge potential concerns related to initiation, authentication, approval, processing, and settlement. Stay up-to-date with industry trends, regulatory changes, and best practices related to payment systems and operational risk management. Prepare and present risk assessment reports to senior management, highlighting key findings and recommendations. Participate in internal and external audits, providing documentation and support related to payment systems risk. Support the development and maintenance of business continuity and disaster recovery plans specific to payment systems. Support the creation, management, and development of Operational Risk program strategy, policies, and standards. Provide operational risk oversight to support end-to-end implementation of instant transfers and Cross-border Payments, ensuring seamless integration with existing payment infrastructure, compliance with network operator rules, and alignment with industry best practices. Qualifications
Bachelor's Degree in Business, Finance or related field or equivalent work experience. 9+ Years in operational risk management with deep understanding of electronic payments, including Wire and ACH. - Required. Subject Matter Expertise in Real-Time Payments (RTP) and / or Zelle. - Preferred. Familiarity with payment processing systems and regulatory requirements. Strong analytical and problem-solving skills for addressing complex risk issues. Excellent communication and interpersonal skills for effective teamwork. Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and risk reporting software. Strong operational risk management principles, methodologies and tools, governance principles, and experience in a financial services technology environment. Ability to operate independently in a complex, matrixed environment with productive relationships across business, functions, geographies and lines of defense. Advanced operational risk, process, and control validation and/or assessment skills. Ability to direct, train and guide peers, subordinates, and management. Ability to handle conflict resolution to ensure appropriate accounting guidance is followed. Ability to convey urgency and drive issues/projects to closure. Ability to interact effectively with the market, executive management, and vendors. Ability to adapt to multiple demands and competing priorities. Certifications
No Certifications listed for this job. Nice 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 : $93,750.00 USD Maximum : $160,000.00 USD Link to Santander Benefits : Santander Benefits - 2025 Santander OnGoing / NH eGuide () Risk Culture : We embrace a strong risk culture and all professionals are expected to take a proactive and responsible approach toward risk management. EEO Statement : 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. Depending on location, occasional moving and lifting light equipment may be required. Employer Rights : This job description does not list all duties and the employer may revise the description at any time. This is not a contract for employment. What To Do Next
If this sounds like a role you are interested in, please apply. We are committed to an inclusive and accessible application process. If you require assistance due to a disability or other need, please contact us to discuss your needs. Primary Location :
New York, NY, New York Other Locations :
New York-New York, Florida-Miami, Texas-Dallas Organization :
Santander Holdings USA, Inc.
#J-18808-Ljbffr