What are the responsibilities and job description for the Sr. Associate, Fraud Transformation & Platform Enablement position at Santander US?
It Starts Here
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.
If you are interested in exploring the possibilities We Want to Talk to You!
The Difference You Make
The Sr. Associate, Fraud Transformation & Platform Enablement, leads all Fraud related projects ensuring clear business and technical requirements are documented, comprehensive end-to-end testing plans developed and managed, and implementation is fully coordinated. The incumbent assists the business unit in determining timeframe and resources to accomplish implementation of control enhancement and direct the business unit through full implementation.
Responsibilities
Responsible for executing the Fraud BoW and Agile project implementation across SBNA, OpenBank Digital Transformation, system and fraud tool/process integration and expanding FLOD Fraud Operations responsibilities spanning SC and BSNY. Responsibilities include but are not limited to strategic planning, requirement definition, user testing, direct engagement in project governance, change management, project reporting and post implementation monitoring.
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
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.
Minimum
Base Pay Range:
$80,625.00 USD
Maximum
$140,000.00 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)
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.
What To Do Next
If this sounds like a role you are interested in, then 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.
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
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.
If you are interested in exploring the possibilities We Want to Talk to You!
The Difference You Make
The Sr. Associate, Fraud Transformation & Platform Enablement, leads all Fraud related projects ensuring clear business and technical requirements are documented, comprehensive end-to-end testing plans developed and managed, and implementation is fully coordinated. The incumbent assists the business unit in determining timeframe and resources to accomplish implementation of control enhancement and direct the business unit through full implementation.
Responsibilities
Responsible for executing the Fraud BoW and Agile project implementation across SBNA, OpenBank Digital Transformation, system and fraud tool/process integration and expanding FLOD Fraud Operations responsibilities spanning SC and BSNY. Responsibilities include but are not limited to strategic planning, requirement definition, user testing, direct engagement in project governance, change management, project reporting and post implementation monitoring.
- Perform fraud systems and control analysis to support bank consolidation activities; Assess current state, analyze and compare fraud control environments, assess vendors, and recommend future state roadmap for maximum fraud control effectiveness.
- Lead fraud risk due diligence and risk assessment activities during bank mergers and acquisitions, evaluating the target institution’s fraud operating model, systems, control environment, and governance structures.
- Conduct comparative analysis of legacy fraud platforms and vendor provided tools and services, rules engines, case management tools, and industry best practices and benchmarking of control environments to determine optimal fraud prevention strategy (retain, sunset, integrate, upgrade or replace).
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
- Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required
- 9 Years Risk Management/Controls - Required.
- Strong risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.
- Knowledge of workflow/processes and risks/controls, including: origination, underwriting, servicing, and collections/workout.
- Digital and/or Retail Bank Fraud Business and Operations subject matter expertise with a focus project delivery of spanning Agile and Waterfall SDLS, Operational processes, and fraud technology maintenance activities.
- Financial Services, FinTEch, and/or Retail Bank Operational External Fraud Risk Management background in Authentication, Identity Verification, and Payments Fraud controls review and assessment, establishment of effective control environment including assessing control performance.
- Agile certifications and experience working within an agile framework at a retail bank or digital institution.
- Expertise in Agile development squads representing the Fraud and Digital Product Management business line ensuring clear business requirements and technical designs are documented, comprehensive end-to-end testing plans developed and executive, and implementation of change is fully coordinated.
- Participates in bank acquisition systems change management projects, ensuring adequate participation and partnership within Technology & Operations and the Lines of Business.
- Assists with the identification and implementation of key fraud requirements that will mitigate fraud loss and achieve efficiency and performance targets for bank consolidation activities.
- Strong organizational and communication skills with the ability to manage multiple concurrent initiatives.
- No Certifications listed for this job.
- Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
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.
Minimum
Base Pay Range:
$80,625.00 USD
Maximum
$140,000.00 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)
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.
What To Do Next
If this sounds like a role you are interested in, then 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.
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
Salary : $80,625