Santander Bank, N.A.
Associate, Business Control & Risk Management (AML/KYC)
Santander Bank, N.A., Boston, Massachusetts, us, 02298
Associate, Business Control & Risk Management (AML/KYC)
Join Santander Bank, N.A. as an Associate, Business Control & Risk Management (AML/KYC) to help protect the Bank and its customers from financial crime while enhancing customer experience.
Country: United States of America
The Difference You Make
Drive Risk Culture: Promote awareness of risk frameworks, policies and standards in the Business Line.
Perform Customer Due Diligence (CDD) by gathering, entering and verifying information through the One Commercial onboarding process.
Proactively complete KYC Refresh for existing customers to maintain up-to-date data.
Support timely completion of KYC Questionnaires (KYCQs) and ensure customer data remains current.
Ensure all KYC obligations are met for various banking scenarios including new deposit accounts, loans, cash‑management product additions, trade‑finance activities, changes in ownership or AML risk ratings and periodic KYC refreshes.
Provide SME guidance to enhance RM/RO and customer experience.
Participate in maintaining First Line AML procedures, guides, checklists and key customer forms.
Ensure compliance is achieved the first time by mitigating AML risk and meeting BSA/AML and OFAC requirements.
Conduct Adverse Media Screening and/or Transaction Monitoring for certain customers.
Act in a quality‑assurance capacity to validate completed work for accuracy, consistency and compliance with policy.
Identify and address control deficiencies and escalates issues to prevent recurrence.
Support internal control testing and control‑effectiveness monitoring to meet internal and regulatory expectations.
Support risk identification, assessment and control effectiveness across business lines, aligning with the Enterprise Risk Management Framework.
Continuously monitor all sources of risk within the Business Line and externally, engage in research, peer‑networking and experience to anticipate critical risk issues and improve controls. Monitor risk profile to maintain tolerance within risk appetite.
What You Bring
Bachelor’s Degree or equivalent work experience in Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or a related field.
Required.
Master’s Degree in a related field.
Preferred.
5+ Years of experience in AML/KYC, Risk Management, Internal Controls or Regulatory Compliance, including direct engagement with customers to gather due‑diligence information and resolve complex compliance requirements.
Required.
Excellent analytical, problem‑solving and project‑management skills.
Ability to work independently as well as collaboratively with all levels of management and employees.
Strong understanding of BSA/AML and OFAC regulations and related industry best practices.
Proven ability to influence and collaborate across multiple business lines.
High attention to detail and ability to deliver accurate, compliant documentation.
Key competencies: Regulatory & Compliance Knowledge
Analytical & Critical Thinking
Process Optimization
Risk Mitigation
Collaboration & Communication
Customer Experience Orientation
Certifications
Risk Certification – 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.
Experience in Microsoft Office products.
Remote Position Note This is a fully remote position and you must reside in MA, RI, CT, NY, NJ or Eastern PA.
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. Compensation may vary based on skills, experience, training, licensure, certifications and location.
Base Pay Range Minimum: $63,750.00 USD Maximum: $110,000.00 USD
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 on 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.
What To Do Next If this sounds like a role you are interested in, please apply. 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
TAOps@santander.us
to discuss your needs.
Primary Location:
Boston, MA Other Locations:
Massachusetts – Boston Organization:
Santander Bank N.A.
#J-18808-Ljbffr
Country: United States of America
The Difference You Make
Drive Risk Culture: Promote awareness of risk frameworks, policies and standards in the Business Line.
Perform Customer Due Diligence (CDD) by gathering, entering and verifying information through the One Commercial onboarding process.
Proactively complete KYC Refresh for existing customers to maintain up-to-date data.
Support timely completion of KYC Questionnaires (KYCQs) and ensure customer data remains current.
Ensure all KYC obligations are met for various banking scenarios including new deposit accounts, loans, cash‑management product additions, trade‑finance activities, changes in ownership or AML risk ratings and periodic KYC refreshes.
Provide SME guidance to enhance RM/RO and customer experience.
Participate in maintaining First Line AML procedures, guides, checklists and key customer forms.
Ensure compliance is achieved the first time by mitigating AML risk and meeting BSA/AML and OFAC requirements.
Conduct Adverse Media Screening and/or Transaction Monitoring for certain customers.
Act in a quality‑assurance capacity to validate completed work for accuracy, consistency and compliance with policy.
Identify and address control deficiencies and escalates issues to prevent recurrence.
Support internal control testing and control‑effectiveness monitoring to meet internal and regulatory expectations.
Support risk identification, assessment and control effectiveness across business lines, aligning with the Enterprise Risk Management Framework.
Continuously monitor all sources of risk within the Business Line and externally, engage in research, peer‑networking and experience to anticipate critical risk issues and improve controls. Monitor risk profile to maintain tolerance within risk appetite.
What You Bring
Bachelor’s Degree or equivalent work experience in Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or a related field.
Required.
Master’s Degree in a related field.
Preferred.
5+ Years of experience in AML/KYC, Risk Management, Internal Controls or Regulatory Compliance, including direct engagement with customers to gather due‑diligence information and resolve complex compliance requirements.
Required.
Excellent analytical, problem‑solving and project‑management skills.
Ability to work independently as well as collaboratively with all levels of management and employees.
Strong understanding of BSA/AML and OFAC regulations and related industry best practices.
Proven ability to influence and collaborate across multiple business lines.
High attention to detail and ability to deliver accurate, compliant documentation.
Key competencies: Regulatory & Compliance Knowledge
Analytical & Critical Thinking
Process Optimization
Risk Mitigation
Collaboration & Communication
Customer Experience Orientation
Certifications
Risk Certification – 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.
Experience in Microsoft Office products.
Remote Position Note This is a fully remote position and you must reside in MA, RI, CT, NY, NJ or Eastern PA.
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. Compensation may vary based on skills, experience, training, licensure, certifications and location.
Base Pay Range Minimum: $63,750.00 USD Maximum: $110,000.00 USD
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 on 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.
What To Do Next If this sounds like a role you are interested in, please apply. 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
TAOps@santander.us
to discuss your needs.
Primary Location:
Boston, MA Other Locations:
Massachusetts – Boston Organization:
Santander Bank N.A.
#J-18808-Ljbffr