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!

Position Summary:

The Financial Investigations Associate is responsible for performing investigations to identify suspicious activities and prevent financial crime. Responsibilities include developing investigation summaries including KYC analysis, transactions assessment, negative media research and disposition, etc., ensuring adherence to establish policies and procedures. The Financial Investigations Associate supports the Transaction Monitoring Unit (TMU) with alerts dispositions. The Financial Investigations Associate coordinates and support special projects withtin BSA/AML. This role is also responsible for gathering and analyzing evidence requested by Internal Auditors and regulators, and other duties assigned by immediate supervisor.

The Financial Investigations Associate reports to the Financial Investigations Unit Manager.

Position Duties / Responsibilities:

Investigation Process
• Outline and develop investigation summaries and SAR forms, reviewing transactional activity within a scope of 13 months or as required, and handling Referrals To Investigations (RTIs), KYC analysis, transactions assessment, and negative media research and disposition.
• Write clear and concise narratives to forcefully support the SAR/No-SAR dispositions.

• Support the Transaction Monitoring (TM) Unit with alerts dispositions.

• Conduct manual reviews including concentration accounts, trade finance transactions, among others.

• Coordinate and participate in transformational projects related to BSA/AML. This may include but it is not limited to, Appian FIU tool development, create Excel macros, provide suggestions to enhance existing procedures, and collect SAR/No-SAR data that will be used in the monthly BSA/AML/OFAC Committee for the decision-making process and for informative purposes.

• Coordinate and participate in gathering and analyzing evidence requested by Internal Audit and regulators.

• Develop and participate in education, training and awareness activities as part of the AML program.

• Maintain a good working relationship with and knowledge of business units and organizational groups within the Bank.

• Other duties as assigned or requested by Supervisor.

Education:

Bachelor’s degree required or equivalent experience

Business Experience:

5 - 6 years of relevant experience or demonstrated required level of proficiency

Specialized and/or Technical Knowledge:

• Knowledge of the Private Banking Industry and regulations.
• Ability to analyze risk data and provide recommendations and/or resolutions to mitigate risk scenarios.
• Ability to summarize, document, and communicate information in a clear and concise manner.
• Ability to work independently as well as collaboratively within a team environment.
• Ability to function in deadline intensive environment, managing multiple responsibilities while effectively focusing on priority issues.
• Knowledge of BSA/AML/OFAC/Terrorist Financing related regulations.
• Advanced Knowledge of Microsoft Excel, Word and PowerPoint.
• Intermediate to advanced knowledge of macros and pivot tables.
• Excellent communications skills: writing & verbal.
• Advanced Knowledge of AML/OFAC related software.
• Preferred knowledge of ASSIST (monitoring transactions system).
• Time management and basic project management skills.

Licenses / Certifications:

AML certifications, preferred.

Languages:

English and Spanish, required.

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.

Link to Santander Benefits:

Santander Benefits - 2025 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.

Primary Location: Miami, FL, Miami

Other Locations: Florida-Miami

Organization: Banco Santander International