Sr. Analyst, Liquidity Risk Oversight

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. Analyst, Liquidity Risk Oversight plays a critical role in the ongoing oversight, monitoring, and reporting of the firm’s liquidity risk profile. This role is responsible for producing, analyzing, and validating liquidity risk metrics used to support senior management decision-making, regulatory reporting, and internal governance. The analyst partners closely with Treasury, Risk, Finance, and Technology teams to ensure data integrity, transparency, and timely escalation of liquidity-related risks.

This position sits at the intersection of data, risk management, and regulation, requiring strong analytical skills, hands-on SQL expertise, and a solid understanding of banking balance sheets, funding structures, and regulatory expectations.

What You’ll Be Doing:

• Calculate, analyze, and monitor key liquidity risk metrics, including cash flow projections, funding concentration measures, liquidity buffers, and regulatory ratios, using internal risk systems and data sources.
• Perform daily, weekly, and monthly liquidity risk production, ensuring metrics are accurate, complete, and delivered on time to senior management, Risk Committees, and other stakeholders.
• Use SQL extensively to extract, transform, and validate large datasets from multiple systems to support liquidity risk analysis, reporting, and ad hoc requests.
• Review and challenge data inputs and model outputs from corporate liquidity risk systems, identifying anomalies, trends, and potential data quality issues.
• Support the preparation of internal liquidity risk reports and dashboards used for oversight, limit monitoring, and governance forums.
• Monitor liquidity risk limits and early warning indicators, escalating breaches or emerging concerns in accordance with internal policies and procedures.
• Upload and maintain liquidity risk metrics in centralized “golden source” repositories to support regulatory reporting, audits, and internal reviews.
• Partner with Technology and Risk Infrastructure teams to troubleshoot system issues, document incidents, and follow through on remediation efforts.
• Track, document, and follow up on sign-offs, exceptions, and incidents related to liquidity risk metrics through formal operational risk and issue management tools.
• Provide ongoing support to internal audit, model risk, and regulatory examinations by explaining methodologies, data sources, and controls around liquidity risk metrics.

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 or equivalent work experience: Business, Finance, Management, or equivalent field. - Required.

• 3+ Years Risk Management/Controls - Required.

• Advanced understanding of key inherent risk and market risk management control practices to perform periodic analysis with critical reasoning for high management reporting.
• Demonstrated practical and theoretical knowledge of market risk principles, concepts and policies.
• Strong quantitative capabilities and analytical skills, including an investigative mindset.
• Strong problem solving and critical thinking skills.
• Strong MS Office (Excel, PowerPoint, Word, Visio, and Outlook) skills.
• Strong verbal and written communication skills.
• Ability to build and foster internal relationships.
• Strong organizational and time management skills.
• Ability to analyze risk and provide recommendations and/or resolutions to minimize risk.
• Ability to summarize, document, and communicate information in a clear and concise manner.
• Ability to organize and prioritize multiple tasks to meet deadlines.
• Ability to work independently as well as collaboratively within a team environment.
• Ability to interpret, analyze and apply data/information.
• Ability to stay abreast of industry best practices, procedures, and techniques.
• Ability to change direction as project demand dictates.
• Ability to effectively and clearly communicate instructions to others, summarize and articulate issues, and document findings in a clear and concise manner.

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.
• 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.