Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The Senior Digital Payments Risk Management Associate will be responsible for identifying, assessing, and managing operational risks associated with digital payments operations, ensuring compliance with regulatory requirements, and contributing to the development of robust risk mitigation strategies. They will play a pivotal role in maintaining the stability and security of our payment systems, ensuring operational resilience, and safeguarding our customers’ trust.

• Provide operational risk oversight to support end-to-end implementation of Real Time Payments (RTP), ensuring seamless integration with existing payment infrastructure, compliance with network operator rules, and alignment with industry best practices.

• Lead operational risk oversight to support end-to-end implementation of instant transfers Cross-border Payments ensuring seamless integration with existing payment infrastructure, compliance with network operator rules, and alignment with industry best practices.

• Monitor RTP and other digital payments (i.e., Wire, ACH, Zelle) ensuring compliance with Payment Systems Risk Policy, Standards, and OCC/Fed requirements.

• Provide independent risk assessment and oversight for electronic payments projects, ensuring compliance with regulatory requirements, Payment Systems Risk Policy, Standards, and internal related risk policies.

• Conduct risk assessments of payment systems, identifying potential vulnerabilities and implementing mitigation strategies.

• Monitor and analyze transaction life cycle data to review and challenge potential concerns associated with 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 necessary 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.

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 in Business, Finance or related field or equivalent work experience. - Required.

9+ years of experience in operational risk management with deep understanding of electronic payments, including RTP, Wire, ACH, and Zelle Payment system. - Required.

• Familiarity with payment processing systems, and relevant regulatory requirements.

• Strong analytical and problem-solving skills with the ability to identify and address complex risk issues.

• Excellent communication and interpersonal skills, with the ability to work effectively in a team environment.

• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint) and risk reporting software.

• Strong operational risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.

• Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working 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 with other groups to ensure appropriate accounting guidance is followed.

• Ability to convey a sense of urgency and drive issues/projects to closure.

• Ability to effectively interact with the market, executive management and vendors.

• Ability to adapt and adjust to multiple demands and competing priorities.

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.

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:

Review the internal eligibility guidelines here. 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.

Benefits:
Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com)

Primary Location: Boston, MA, Boston

Other Locations: Massachusetts-Boston

Organization: Santander Holdings USA, Inc.

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.