FTP & Profitability Treasury - Associate

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 Associate supports day-to-day operations in (Balance Sheet Analytics, Profitability, Funds Transfer Pricing, Interest Rate Risk, Liquidity Risk). S/he implements complex solutions to (Profitability, FTP and overall balance sheet management) department priorities. The incumbent supports monthly profitability and FTP reporting and provides strategic insights. The incumbent also participates in complex analysis and projects ranging from methodology design/update, new design implementation, and outcome analysis. Formulates and updates policies and guidelines on the planning and management of the company's monetary resources. Ensures optimization of income and profitability.

Manages and analyzes profitability, FTP, interest rate risk on behalf of the company. Formulates and updates policies and guidelines on the planning and management of the company's monetary resources. Ensures optimization of income and profitability.

• Day-to-day execution of operations in (Profitability, FTP, liquidity risk, interest-rate risk).

• Validate the accuracy of internal reporting of financial and operational data.

• Perform variance, reconciliation and forecasting analysis of key financial data.

• Ensure adherence to established standards and risk limits.

• Contribute to a strong internal control environment by executing and reporting on SOX controls.

• Ensures treasury policies, practices and procedures are understood and followed.

• Communicate effectively with internal stakeholders.

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: Finance, Economics, Business or equivalent field. - Required.

5+ Years Financial planning, analysis or related experience - Required.

5+ Years Experience in 3+ Years Funds Transfer Pricing ,Liquidity Risk, Interest-Rate Risk Management - Preferred.

• Ability to work well within a team, prioritize tasks and handle numerous assignments simultaneously.

• Ability to convey a sense of urgency and drive.

• Strong verbal and written communication skills in interacting with internal stakeholders.

• Strong interpersonal, supervisory, and customer service skills required.

• Excellent analytical, organizational and project management skills.

• Detail oriented with ability to research, organize and analyze financial data.

• Strong project management skills.

• Advanced in SQL, MS Excel, PowerPoint, MS Outlook.

Certifications:

• CTP : (Certified Treasury Professional) - 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.

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:

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.