Banco Santander jobs in Dallas, TX

Country: United States of America 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 Associate, Data Analyst serves as a data analyst for multiple application initiatives. This role will be instrumental in leveraging data to support strategic initiatives, streamline operations, and ensure regulatory compliance. The ideal candidate combines deep data analysis experience with strong SQL, machine learning knowledge, automation capability, and familiarity with modern cloud platforms (e.g., AWS, Azure, GCP). * Develop complex SQL queries to analyze and extract insights from large-scale datasets across cloud and on-premises systems. * Create intuitive dashboards and reporting solutions using BI tools integrated with cloud data platforms. * Apply machine learning techniques to support use cases such as fraud detection, credit scoring, and customer segmentation. * Design and implement automated workflows and data pipelines, with awareness of orchestration tools and cloud-native data services. * Collaborate with engineering, risk, compliance, and business units to deliver data-driven projects. * Ensure high standards of data governance, integrity, and compliance, including working with cloud-based data lakes or warehouses. * Troubleshoot and analyze data quality issues, ensuring alignment with banking and cloud security regulations. * Ensure security, performance, and regulatory compliance of applications within a banking context. * Good knowledge of data quality & data management platforms (Informatica is a plus ). 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: Finance, Economics, Management Information Systems, Statistics or equivalent quantitative field. 5+ Years Relevant work experience. * Strong command of SQL and experience with relational databases (e.g., PostgreSQL, MySQL, Oracle, Snowflake) * Knowledge of automation frameworks such as Power Automate, Python scripting, or equivalent * Hands-on experience with cloud platforms (e.g., AWS, Azure, or GCP) including services such as Lambda, S3, Azure Functions, or BigQuery * Familiar with the Power BI/Tableau for building governance dashboards * Proficient in Python or R for data analysis and model development * Domain knowledge in banking areas such as regulatory reporting, risk analytics, or operational efficiency. * Experience working with Snowflake, Databricks, or similar cloud-native data platforms. 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. 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: $71,250.00 USD Maximum: $120,000.00 USD 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Salary Range: 61,200.00 - 101,800.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose Contributes to the overall success of the Bank in the USA, ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team's business strategies and objectives. Ensure all activities conducted are in compliance with governing regulations, internal policies and procedures. The Executive Assistant is a proactive individual who engineers high-utility calendars, and logistics to support business needs. The Executive Assistant is a trusted partner who brings judgment, confidentiality, and operational rigor to a fast-paced environment. What You'll Do • Provide high level administrative support including calendar management for one or more members of the Executive Committee/Chief Officers, requiring discretion, confidentiality, a good understanding of technical and business vocabulary, and a detailed knowledge of the organization's operations, procedures, and people. • Gather, compile, verify, and analyze information for the executive's use within internal workspaces (SharePoint, Microsoft Suite etc.) such as memos, letters, reports, speeches, presentations, and news releases. Perform tasks using independent judgment and discretion, i.e., preparing documents and presentation materials; screening and responding to incoming correspondence, inquiries, and phone calls; drafting letters and official information releases; arranging and attending meetings; taking and distributing minutes. • Handle all matters relating to expenses, organizing materials, reporting, and next steps for meetings or travel • Monitor, review, and approve standard expenditures to ensure the activities of the office are conducted within established budgets. Manage the variance analysis and ensure it aligns on a monthly basis. Act as the primarily liaison and coordinator for department initiatives. • Provide guidance and mentorship to more junior members of the Admin Team. • Use judgement and expertise to identify, resolve and escalate day-to-day administrative support, as required. • Provide input into developing and enhancing current processes and procedures. Comprehend and adhere to administrative policies implemented globally. • Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Act as a culture carrier, monitoring adherence to policies and escalating as required. • Establish sound business relationships by providing courteous and efficient assistance to both internal and external clients. Actively pursue effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct. • Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank's Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. • Champions a high-performance environment modeling professionalism and contributes to an inclusive work environment. • Perform other duties as required. What You'll Bring • Post-secondary training in business administration or an equivalent combination of education and related experience • A minimum of 5 to 7 years of experience in a business administration support function • Strong technical skills and knowledge of MS Office 2010, experience of Concur expense management system is ideal but not mandatory • Excellent coordination, organizational, time-management and work prioritization skills • Attention to detail, resourceful, and accountability in follow-up • Proactive approach to problem-solving and the ability to work independently to make decisions • Communicates clearly, articulately and succinctly in both oral and written form, with the ability to communicate to all levels within the organization • Flexibility, high tolerance for change and an ability to learn quickly • Ability to handle sensitive materials under the pressure of last minute deadlines • Desire to be proactive and create a positive experience for others Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #Dallas Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted. Scotiabank is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law.

CIB Trade Settlement Loan Operations Team Lead, Vice PresidentCountry: United States of America 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: We are seeking a highly motivated and experienced Team Lead to oversee the Trade Settlement Loan Operations team within our Corporate and Investment Banking division. This role is critical in ensuring timely and accurate settlement of syndicated loan trades, managing operational risk, and driving process improvements in a fast-paced, high-volume environment. Trade Settlement Execution: • Manage the full lifecycle of syndicated loan trades, including trade capture, affirmation, documentation, funding, and reconciliation. • Ensure accurate and timely settlement of both primary and secondary market trades in accordance with LSTA standards. • Coordinate with counterparties, agents, and custodians to resolve discrepancies and ensure smooth settlement. Stakeholder Communication: • Escalate and resolve trade breaks, settlement delays, and operational risks in a timely manner. • Provide regular updates and reporting to senior management on trade volumes, exceptions, and KPIs. Process Improvement & Risk Management: • Participate in the identification of inefficiencies and implementation of enhancements to reduce settlement times and operational risk. • Collaborate with technology teams to automate manual processes and improve system functionality. Regulatory & Compliance Oversight: • Support internal and external audits by providing documentation, responding to inquiries, and implementing corrective actions. • Provide support and report on key risk indicators (KRIs) and support the development of control frameworks. Training & Development: • Mentor and train junior staff on trade settlement processes, systems, and industry practices. 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 Finance, Business, or related field; MBA or professional certification (e.g., CFA, PMP) is a plus. 5+ Years Experience • Familiarity with regulatory frameworks such as Dodd-Frank and SOX. • Experience working in a global banking environment. • Proficiency in Excel, SQL, and workflow tools. • Strong knowledge of syndicated loan products, trade settlement processes, and industry platforms (e.g., ClearPar & LoanIQ). • Excellent analytical, organizational, and communication skills. • Proven ability to manage multiple priorities and meet tight deadlines. 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. 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: $84,375.00 USD Maximum: $135,000.00 USD 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Salary Range: 157,700.00 - 264,000.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose The US Deputy Chief Information Security Officer (Deputy CISO) will support the MD & US CISO in building robust United States technology risk (includes all non-financial risks such as Cyber Risk, Availability, Resiliency Risks and Operational Risk ) related controls and processes and ensure they are maintained and adhered to in the assigned portfolio. Along with the MD & US CISO the Deputy CISO will collaboratively assess, evaluate and remediate increasingly complex technology risk, design controls and assist in their implementation in the USA, a key growth market. Acts in the line of defense as Internal Control (1B) to ensure implementation of initiatives in accordance with regulatory expectations, risk appetite, organizational risk practices and evolving business practices. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. What You'll Do Champion a customer focused culture to deepen relationships with Sr. leadership, peers, and functional groups by leveraging IT and risk expertise. Partners across senior executives US CIO, Global CISO, Risk, Operations, compliance and legal teams to deliver improved US regulatory outcomes and strategies. Supports in the US 1st line Technology Risk, Cyber Security and Internal Controls teams Alongside with the MD & CISO, the Deputy CISO will collaborate with US CIO and Global CISO, in leading frequent interaction and reporting to US Federal Regulators. Support in overseeing critical 1st Line of Defense (1B) function in highly regulated US Technology realm with ongoing guidance to support the implementation of, and compliance to, established IT Standard, Policies, Procedures, regulatory, operational risk and cyber risk requirements through active engagement, guidance and counselling. Support in leading US 1st Line of Defense (1A) teams and Risk owners, to build their capability to identify, assess, mitigate and monitor risks associated with their use of information and IT systems. Is primary interface and conduit between the 1A risk owners and other risk groups or advisors in various business areas (Internal Controls, Audit, Cyber Security, Privacy, Fraud, Resilience, Availability) to spearhead the facilitation and execution of risk management activities. Support in Managing Technology Risk identification, assessment, prioritization for relevant business areas. Ensures observations, issues and outputs are tracked and actioned. Support in leading US Technology risk control testing and monitoring and guides all US based Technology Risk Owners with remediation plans. Partner with and face other risk groups to assess, implement and communicate new/updated risk controls, frameworks, policies, risk indicators, metrics and limits. Oversee analyses of systems or asset data and deliver monthly / quarterly reporting for senior management, Internal Controls, GRM, Compliance, Audit, Operational Risk or 1A stakeholders. Leads team that develops reports and presentations to deliver updates on KPIs/KRIs to various audiences, including senior business risk committees. Develop or manage programs to establish KRI performance within the bank's risk tolerance. Prioritize risk activities, ensure timely remediation and escalate when necessary. Evangelize for Technology Risk and promote a strong risk culture in partnership with the risk owners. Co-ordinate SOX control testing. Facilitate evidence collection and escalate conflicts or roadblocks to relevant SME to ensure control testing is completed as per schedule. Prepare quarterly SOX attestations. Ensuring that sound and consistent information security architectures that have been defined and documented are leveraged and effectively communicated to local business lines and technology support groups. Support in the directing, assuring, and advancing the security of the Scotiabank Group's networks, including the reliability and manageability of logical access security and application change control operations locally. Pursuing security and control process improvements and the protection of emerging technologies and new delivery systems; In collaboration with the Central ESS/CSS/GSS functions. Working closely with Global Security Operation Services, Global Advisory Services and Enterprise Security Services to facilitate communication, support and to transmit the Bank's Information Security vision as developed by the global CISO Creates an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank's Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge Scope includes compliance with information security regulations, user education and access, and cybersecurity. Accountable for understanding, communicating and ensure compliance with Scotiabank's Information Security Policies as defined by Global Security Operation Services and Enterprise Security Services functions. Leads the design and operation of related compliance monitoring and improvement activities to ensure compliance both with internal security policies and applicable laws and regulations. Provides and maintains technical expertise on security aspects of systems, applications, and networks currently resident in the company and those planned for in the future. Reviews system development, maintenance and acquisition efforts to ensure efficient and adequate security provisions. Actively pursue effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct. Champion a high-performance environment and implement a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment, communicating vison/values/business strategy and managing succession and development planning for the team. Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. What You'll Bring Candidates should have a breadth of Technology and non-financial Risk management experience. 10+ years (governance, operations, audit, cyber, control functions, compliance, risk management). Candidates require expert leadership, communication (both verbal and written) and influencing capability, supported by well-developed logical thinking competencies. Proficient written and verbal communication required at all levels of the organization is essential. Requires expert Technology risk management experience in multiple areas including but not limited to; internal controls, systems design, security, availability/stability/resiliency, disaster recovery, third party risk management, change management, release management, audit, regulatory risk, logical access, software currency. Exposure to cloud controls would be an asset. Proven experience in risk or Cyber security leadership preferably with deep knowledge of US and GBM businesses including related systems, procedures, regulations expected. Ability to balance contesting or conflicting goals of various departments and stakeholders which requires a mature, diplomatic approach and advanced negotiation, project management, governance and influencing skills. Strong presentation design and delivery expected as part of the leadership team. Data Analytics and Visual dashboarding would be desirable. Knowledge or understanding of Risk / Control frameworks (ITIL, ISO, COBIT, NIST, FFIEC). Advanced degree in Computer Science, Engineering, Business Commerce or equivalent experience. Additional relevant Certifications would be an asset - ITIL V3 Foundation Cert. in ITSM, COBIT, CRISC, CISSP. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #DALLAS Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted. Scotiabank is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law.

Salary Range: 147,600.00 - 256,275.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Director, USCM Fraud Monitoring Team Global Transaction Banking (GTB) is the payments and transaction engine of Scotiabank. We support Small Business, Commercial and Corporate clients with effective treasury management solutions coupled with a best-in class service model, making it easy for clients to do business with us. As businesses build their digital capabilities and transform their operating models, their payment needs are evolving too. Boasting a unique global footprint, GTB's comprehensive suite of innovative banking solutions help our business clients generate operational efficiencies, streamline and simplify payments, improve working capital performance, and mitigate financial risk. At Scotiabank, we embrace your strengths, ideas, and ambitions. GTB is a fast-growing team with a focus on the Americas, particularly Canada, the U.S., Mexico, and we are seeking top tier talent to complement our organization. Join a purpose-driven winning team, committed to results, in an inclusive and high-performing culture. Purpose: Leads and oversee the USCM Fraud Monitoring program in the U.S. and Canada, ensuring business strategies, plans and initiatives are executed / delivered in compliance with governing regulations, internal policies and procedures. Accountabilities: Leads and drives a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge Provides overall leadership and performance management of the fraud monitoring and cash loss team operation. Accountable for overseeing the complex fraud detection/deterrence for the US Cash Management services across the H2H and Scotia Connect channel products: Deposit/Cheque fraud (e.g. kiting) Payments/Wire fraud Support and counsel US Cash Management business on customer onboarding process and fraud issues Represent Fraud on regulatory, audit and client related issues that are Fraud related. In conjunction with the VP and senior leadership team, responsible for the long-term strategic direction of the business line Takes a leadership role in pursuing strategies to improve client experience, reduce fraud losses, operational efficiencies and organizational effectiveness Partners with the senior leadership team to establish and maintain metrics for measuring, evaluating and benchmarking quality performance of fraud deterrence, customer satisfaction; Responsible for ensuring the achievement of customer and operational KPIs Responsible for achievement of business plan & Fraud Monitoring objectives as negotiated · Builds strategic relationships and key partnerships both internally and externally · Provide subject expertise and thought leadership from fraud perspective to support bank projects/initiatives Keep abreast of emerging issues, trends and evolving regulatory requirements and assess potential impact to the US fraud monitoring team and recommend remedial actions Partner with key stakeholders (e.g. US Legal, US GTB Operations, Client Sales & Servicing team, etc.) to ensure effective resolution of client's concerns and issues related to actions taken on their accounts Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions Creates an environment in which his/her team pursues effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct Builds a high-performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment, communicating vison/values/business strategy and managing succession and development planning for the team Dimensions: 1-5 direct reports Achieve customer and operational KPI targets Accountable for overseeing the complex USCM fraud monitoring program, for the U.S. Cash Management business for Scotiabank, across a variety of cash management solutions for corporate and commercial clients. Education & Experience: Bachelor's degree in business administration, Law, Computer Science, Information Systems or Engineering MBA (or equivalent) is an asset but not a requirement Expert knowledge of industry trends and information regarding fraud and fraud deterrence, and in-depth knowledge of laws and regulations associated with fraud management 8-10 years with demonstrated success in the financial services industry 3+ years management experience · Working knowledge of retail and commercial credit products, consumer credit lifecycle, risk management · Thorough knowledge with respect to the fraud mitigation tools and systems used for fraud deterrence (PRM, Web Extraction, History Database, etc.). Working knowledge of the bank's systems including, CIS, Finacle, TenX, Fenergo, Salesforce, GWA Micro UI, etc. Highly skilled leader with extensive experience leading large teams focusing on coaching, strategic planning and execution of key business priorities Strong prioritizing, planning, analytical, presentation, project management, and relationship building skills Interested? At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #GTB #Dallas Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

Salary Range: 144,500.00 - 190,995.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose Contributes to the overall success of the U.S. Legal Department by providing day-to-day legal support on a broad range of matters across multiple businesses and operations of the Bank, with a primary focus on commercial contracts, outsourcing and information technology services. What You'll Do Drafts, reviews, and negotiates a wide range of commercial and procurement contracts, including master services agreements, license agreements, business process outsourcing agreements, market data agreements and SaaS agreements. Advises on bespoke issues as part of contractual negotiations, including IP protections, cybersecurity, data privacy, artificial intelligence and regulatory compliance in the context of financial services. Supports various business lines and corporate functions with the review and negotiation of non-disclosure agreements. Assists with the risk review and diligence of third-party suppliers, including providing advice on regulatory developments and analysis of contractual provisions in commercial contracts. Supports the U.S. businesses with the drafting and structuring of intragroup agreements between the Bank and its affiliates. Works closely with cross-functional teams (e.g., Global Procurement Services, Third Party Risk Management, and Compliance) and senior management, providing legal guidance on matters critical to the Bank's operations and strategic initiatives. Performs legal research as necessary and assists with the continuous improvements of the Bank's legal template and sample clause libraries, including negotiation guidelines, commercial playbooks and templates to be leveraged by internal teams. Maintains an awareness of and monitors the regulatory environment for emerging legislation and policy statements, along with relevant trends and industry best practices applicable to the Bank's operations. Contributes to efficient and effective relationships with outside counsel and manages legal costs and invoices. Understands how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. Demonstrates a proactive approach to developing competency in unfamiliar practice areas. Pursues effective adherence to Scotiabank's Values and its Code of Conduct, while ensuring the adequacy, adherence to, and effectiveness of business controls to meet obligations with respect to operational, compliance, sanctions and anti-money laundering (AML), and conduct risk. What You'll Bring J.D. and licensed attorney in good standing admitted or otherwise authorized to practice law in the in the state/jurisdiction in which the position is based. Minimum of 3 years of legal experience in a similar position. Deep understanding of vendor agreements, licensing agreements, process services agreements, SaaS agreements, engagement letters, non-disclosure agreements, market data agreements and other similar documents. Working knowledge of software licensing, intellectual property, data privacy, artificial intelligence and cybersecurity considerations in third party agreements within the financial services industry. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #Dallas Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

PAM (Privileged Access Management) Senior CyberArk EngineerCountry: United States of America 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 Senior CyberArk Engineer is responsible for architecting, deploying, and maintaining privileged access security solutions using the CyberArk suite. This role ensures the protection of critical systems, credentials, and privileged accounts while aligning with security best practices and regulatory requirements. The ideal candidate possesses deep hands-on expertise with CyberArk Privileged Access Security (PAS), strong security engineering skills, and experience operating in large, complex environments. CyberArk Engineering & Administration: Design, deploy, configure, and maintain the full on-premises CyberArk Privileged Access Security (PAS) suite, including: Enterprise Password Vault (EPV) Privileged Session Manager (PSM) Privileged Session Manager for SSH (PSM-SSH) Central Policy Manager (CPM) Privileged Threat Analytics (PTA) Implement and maintain CyberArk safes, platforms, policies, and connectors. Integrate CyberArk with enterprise systems, including LDAP/AD, and SIEM ticketing systems, and cloud platforms (AWS, Azure, GCP). Build and maintain custom connectors and plugins for applications and infrastructure. Security Architecture & Governance: Develop and enforce privileged access policies and best practices. Conduct threat modeling and ensure PAM alignment with regulatory frameworks (SOX, GLBA, NYDFS , etc.). Review privileged access workflows and recommend improvements to strengthen security posture. Automation & Continuous Improvement: Automate onboarding of privileged accounts, systems, and applications using REST APIs, PowerShell, Python, or similar tools. Tune CPM/PSM performance, optimize vault operations, and improve automated credential rotation processes. Implement continuous monitoring, alerting, and reporting mechanisms. Operations & Support: Serve as a subject matter expert (SME) for CyberArk-related issues across infrastructure, development, and security teams. Troubleshoot complex vaulting, credential, and session management issues. Perform CyberArk upgrades, patching, health checks, and system hardening. Participate in on-call rotations and provide escalation-level support. Collaboration & Training: Work closely with IAM, security operations, risk, and compliance stakeholders. Provide guidance and mentorship to junior engineers. Develop documentation, runbooks, and best practice guides. 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: Computer Science/Software Engineering or equivalent field. - Required. 5+ years of experience in Information Security or Identity and Access Management.- Required 5+ years of hands-on on-premises CyberArk engineering experience.-Required Strong understanding of privileged access management principles.-Required Proficiency with: PowerShell, Python, or equivalent scripting languages. Windows and Linux administration. Active Directory, LDAP, MFA integrations. Networking basics (firewalls, proxies, DNS). Experience supporting large-scale, high-availability PAM environments. Threat and vulnerability management related to privileged access Background in regulated industries (finance, healthcare, government). Strong analytical, problem-solving, and debugging skills. Excellent communication and documentation abilities. Ability to lead complex projects with minimal supervision. High attention to detail and commitment to security best practices. Certifications: CyberArk Defender, Sentry, or Guardian certifications.-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: $101,250.00 USD Maximum: $180,000.00 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 - 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Salary Range: 102,800.00 - 196,800.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose Leads and oversees the business management and administrative team, providing strategic support to department leadership to ensure business strategies, plans, and initiatives are executed efficiently and in alignment with organizational policies and procedures. What You'll Do • Strategic Planning and Reporting o Partners with senior leadership to define and execute strategic priorities, ensuring alignment with organizational objectives and long-term vision. o Provides thought leadership in developing planning frameworks, performance metrics, and reporting structures that enable decision-making. o Oversees preparation and delivery of monthly, quarterly, and ad-hoc reports, ensuring insights are actionable and support strategic initiatives. o Leads continuous improvement initiatives for US Risk function, leveraging technology and best practices to enhance efficiency and impact. o Develops integrated dashboards and reporting tools to provide real-time visibility into key performance indicators and strategic progress. • Business Management o Provides strategic thought leadership and partners with department leadership to shape and execute business management initiatives that drive organizational effectiveness and long-term value. o Leads the development and implementation of operational strategies, ensuring alignment with organizational goals and fostering continuous improvement across business processes. o Oversees budgeting and financial management for the department, ensuring optimal resource allocation and financial discipline. o Influences organizational strategy by identifying operational trends and recommending innovative solutions to enhance scalability and resilience. o Designs and leads people engagement initiatives, such as team events, recognition programs, and volunteer activities, to strengthen culture and collaboration. o Introduces innovative business management practices and tools to enhance operational agility and scalability. • Administrative Oversight o Provides guidance on administrative processes, ensuring they enable efficiency, scalability, and alignment with organizational priorities. o Oversees preparation and delivery of monthly, quarterly, and ad-hoc reports for leadership and internal committees, ensuring insights are actionable and timely. o Establishes escalation protocols and communication channels to proactively address issues and maintain operational continuity. o Leads continuous improvement initiatives for administrative workflows, leveraging technology and best practices to optimize productivity. o Implements standardized administrative frameworks and solutions to streamline processes and improve governance. • Leads and drives a collaborative, service-oriented culture within the team to strengthen internal partnerships and leverage broader organizational resources, systems, and knowledge for maximum impact. • Understands how organizational priorities and strategic objectives should be embedded in day-to-day activities and decisions, ensuring alignment with the company's vision and values. • Creates an environment where the team delivers efficient, high-quality business operations in accordance with the organization's values and code of conduct, while maintaining strong internal controls and adherence to corporate policies. • Builds a high-performance environment and implements a people strategy that attracts, retains, develops, and motivates talent by fostering an inclusive culture, using a coaching mindset, clearly communicating vision and business strategy, and managing succession and development planning. What You'll Bring • Minimum 8 years of experience in business management, administration, or strategic operations within financial services or a large corporate environment. • Strong understanding of organizational strategy and planning with experience driving operational excellence. • A university degree in business administration, management, or a related field; advanced degree preferred (e.g., MBA). • Proven leadership and people management skills, including experience leading teams and fostering high-performance cultures. • Exceptional communication skills, both verbal and written, with the ability to influence and engage stakeholders at all levels. • Excellent organizational and administrative capabilities to manage multiple priorities and deliver results under tight timelines. • Strong analytical and project management skills, with a track record of implementing process improvements and efficiency initiatives. • Proficiency in MS Office Suite (Word, Excel, PowerPoint, PowerBI) and familiarity with tools that support reporting and workflow optimization. • Ability to work independently and exercise sound judgment in a fast-paced environment. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #Dallas Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted. Scotiabank is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law.

Salary Range: 157,700.00 - 264,200.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose The incumbent will lead the sanctions exam management that would entail leading efforts on audit-related matters, as well as leading environmental landscape analysis by conducting research, identifying, assessing and advising on emerging risks and sanctions regulatory changes. The incumbent will stay abreast of sanctions regulatory changes, analyze potential impacts, develop strategies to ensure compliance and minimize potential liabilities. The incumbent will advise and report to the Deputy Global Head of Sanctions and coordinate with Global Sanctions principles to ensure applicable policies, standards, procedures, trainings, and governance functions are agile to meet the ever-evolving sanctions risks. What You'll Do The Sanctions Exam Management & Regulatory Emerging Risks Director oversees the identification, assessment, and management of risks connected with new or emerging sanctions regulatory and legal risks, ensures sanctions compliance and minimizes potential negative impacts for an organization. The incumbent is responsible to lead and oversee the Global Sanctions Exam Management, Regulatory and Emerging Risks function, which includes the following: Key responsibilities Regulatory & Industry Expertise - Stay abreast of changes in sanctions regulations, emerging risks, and industry best practices, providing expert guidance to the organization. Regulatory & Audit Liaison - Act as the primary focal point and liaison with regulators, examiners, and auditors coordinating efforts, providing accurate information and responding to inquiries. Audit management and coordination - Oversee sanctions-related audit and coordinate with appropriate stakeholders, including identifying potential audit-related issues as well as conducting reviews and ensuring timely and high-quality completion of audit work papers and closure packages. Strategy Development - Develop and implement audit strategies to mitigate or address identified emerging sanctions regulatory risks. Monitoring and Analysis - Continuously monitor and research the sanctions regulatory landscape for emerging trends, new regulations, and changes to existing rules. Ability to analyze complex information and identify potential sanctions risks. Policy & Strategy Development - Contribute to the development and implementation of regulatory policies and strategies and emerging risks impacting the sanctions compliance programme. Risk Assessment, Identification & Remediation - Conduct regular risk assessments to identify and assess potential sanctions regulatory risks, including those arising from new or changing laws, regulations, or industry trends. Identify and where applicable/possible, mitigate sanctions-related risks, including emerging risks and vulnerabilities and ensure adherence to regulatory requirements. Evaluate the potential impact of emerging sanctions regulatory risks to the organization. Business Relationship Management - Partner with and strengthen relationships with business units to understand their operations and identify potential regulatory and emerging risks and impact to audit-related matters. Cross-functional Collaboration and Communication - Work closely with various departments, including compliance, risk management, and business units, to ensure a coordinated and effective approach to managing sanctions audit. Excellent written and verbal communication skills to effectively convey information to various stakeholders. Reporting - Provide updates on sanctions audit findings, controls and risk management to the Deputy Global Head of Sanctions and relevant management for a/committees and personnel as requested. Knowledge Awareness - Understand how the Bank's risk appetite and risk culture should be applied in day-to-day operations and decisions. Develop your own knowledge and contribute to the Bank's knowledge-base by staying abreast of sanctions industry practices, regulatory standards and emerging risks. Leadership: Establishing a high-performance environment that reinforces both individual accountability and strong inter- group cooperation. Fostering an inclusive work environment that reinforces mutual respect and collaboration between all team members, whilst taking into account individual differences and working styles. Communicating a clear vision and business strategy. Ensuring that management expectations, including accountabilities, objectives, are effectively communicated and monitored. Empowering all team members to develop creative and strategic solutions, including streamlining processes and planning initiatives, where appropriate. Driving collaboration and efficiency across multiple teams globally in connection with the range of program execution and oversight tasks associated with financial crimes and sanctions. Building strong partnerships with First, Second Line business and Control Functions and other key stakeholders in connection with the Bank's Sanctions Program and working collaboratively across functional teams to resolve open issues in a timely and effective manner. What You'll Bring Education - Minimum Bachelor's degree in business, international relations, economics, or related field, JD preferred; Industry Experience - Minimum of 7 years in sanctions compliance, accounting and internal auditing related functions in financial services or a comparable government agency or a related field; Sanctions Regulatory Expertise and Knowledge - Extensive knowledge of U.S. and Canada sanctions regulatory requirements and other global sanctions programmes, including understanding of relevant sanctions laws, regulations, and industry trends; Risk Management Expertise - Proven ability to assess, manage, and mitigate risks related to sanctions compliance and audit-related matters; Analytical and Problem-solving skills - Ability to analyze complex information and identify potential risks and resolve complex issues and recommend/develop remediation plans, including conducting environmental scanning of emerging risks; Communication and Interpersonal skills: Excellent communication skills to effectively convey information to stakeholders and interpersonal skills for interacting with regulators and stakeholders, including working with diverse teams and building strong relationships; Leadership skills - A thought leader in a risk and regulatory area, ability to lead and manage a your own and regulatory professionals, prioritize tasks and meet deadlines; Communication Skills - Excellent written and verbal communication skills to effectively convey complex risk information to stakeholders across the Bank; Computer Skills - Advanced skills in Microsoft Office suite, including Excel, Access, Visio, Project, and PowerPoint. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted. Scotiabank is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law.

Salary Range: 59,100.00 - 109,800.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose Contributes to the overall success of the U.S. AML Monitoring and Testing Department (“M&T”), Global AML, Global Banking and Markets (“GBM”) by ensuring that specific individual goals, plans and initiatives are executed / delivered in support of the team's business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. What You'll Do • Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. • Assists in developing and maintaining a robust AML Monitoring and Testing (M&T) Program including participation in annual test planning activities, developing Test Plans (aka Test Scripts), creating and/or updating Trends Sheets with appropriate testing attributes to ensure key risks and controls are subject to testing. • Conducts less complex monitoring and testing reviews (either as the Lead for simple projects or as a participant for more complex reviews) on U.S. AML-ATF and Sanctions activities to ensure the effective and compliant execution and sustainability of the U.S. BSA/AML and Sanctions Compliance Programs and in accordance with the Scotiabank Enterprise AML and Sanctions Testing Standards and U.S. Addenda and procedures, as applicable. • Identifies, tests and evaluates key control points, ensuring that the scope and extent of work is in accordance with the approved Monitoring and Testing Plan. • Ensures internal control weaknesses have been identified, errors have been quantified as appropriate, problems and associated impact are properly defined, documented and reported. • Ensures written results are comprehensive and well documented (including, but not limited to, sampling criteria, sampling methodology, trend sheets, test results) and accurately identify BSA/AML and sanctions risk factors. • Ensures that Management Action Plans (“MAPs”) are appropriate and adequately address the risk of the issue. • Assists in the validation of ongoing remediation activities by issue owners in order to determine whether such remediation activities are in accordance with the agreed upon MAPs. • Assists in developing meaningful, robust metrics and reporting of findings and progress against remediation objectives. • Performs ad-hoc, special and/or focused reviews as necessary. • Works with U.S. AML Risk personnel and business line representatives to assist in the development of training, where appropriate, based on test/review results • Promotes a risk-aware culture; ensure efficient and effective risk and compliance management practices by adhering to required standards and processes. • Monitors the regulatory environment for emerging issues, legislation and policy requirements. Keep abreast of trends and industry best practices through review of regulations and guidance issued by regulatory agencies and publications. • Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. • Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank's Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. • Champions a high performance environment and contributes to an inclusive work environment. • Other duties and projects assigned. What You'll Bring • Bachelor's degree in accounting, business administration, finance, or similar field. • Prior experience in AML Monitoring, Testing or Audit in a regulatory, compliance, or quality assurance capacity within a financial institution setting. • Prior experience in examinations/auditing roles, and an understanding of testing methodology and risk and controls analysis. • In addition: o An understanding of compliance and testing best practices. o Good analytical, investigative, project management, planning and reporting, skills. o Good written and spoken communication abilities. o Excellent teamwork, interpersonal and conflict resolution skills. • ACAMS is preferred. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #Dallas Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

Dealer Commercial Services Senior UnderwriterCountry: United States of America 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, Underwriting is responsible for managing credit risk by reviewing and properly weighing all aspects of more complex applications. The incumbent is a key resource for underwriters and loan originators for the Dealer Commercial Services business. Underwrites loans by analyzing business history, financials, and loan collateral. Maintains loan relationship with a variety of customers by structuring and discussing recommended best loan plan. Monitors department portfolio with having all financials up to date and ensuring portfolio. Reviews loan inquiries and responds to client requests in case manager is absent. Reviews past due report and notes coming due. 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 in Finance, Accounting, Management, Economics or equivalent field. - Required. 9+ Years work experience in financial analysis, structuring and underwriting commercial loans. - Required. Experience with Auto Syndications. - Preferred. Commitment to excellent customer service - responds promptly to customer needs, professional interacts with customer. Extensive decision-making and analytical skills to evaluate information, determine risks, and consider the benefits. Communication skills, responds well to questions and demonstrates comfort with group presentations. Proficient knowledge of Microsoft Word, Microsoft Excel, and Microsoft Outlook. Detail Oriented. Categorical understanding of the lending process. Capable of preparing findings reports. Ability to handle multiple files simultaneously. Ability to provide leadership in the market by being a positive contributor to the team including: being a mentor to less experienced team members and embracing change. Takes initiative on projects and assignments, seeks alternate solutions when necessary. Self-starter with ability to work in a face paced team oriented environment. 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. 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: $86,250.00 USD Maximum: $145,000.00 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 - 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Salary Range: 102,800.00 - 196,800.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Senior Manager, Sustainment & Control - Dallas, TX Purpose The role contributes to the overall success of the Global Transaction Banking (GTB) Operations by providing operational support of the business and ensuring plans and initiatives are executed / delivered in support of the business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. The job is responsible for: Managing the planning, execution, delivery and maintenance on concurrent projects and strategic initiatives for GTB US Cash Management (USCM) Operations. Managing the creation, sustentation and roadmap of operational frameworks, controls and system usage. Coordinating strategic sustainment of in-flight and delivered across GTB Operations and other stakeholders. Accountabilities Leads and drives a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Manage, lead and/or participate in complex, multi-faceted projects and system implementations to meet the cross-geographical strategic transaction banking needs of Global Transaction Banking and the various business lines by applying financial and technological knowledge to the introduction of new procedures, business initiatives and/or systems solutions. This includes, but is not limited to: Preparing detailed action/project plans, undertaking critical research and analysis, leading User Acceptance Testing, accurately and clearly defining business requirements, defining procedure and policy, acting as SME where possible and liaising directly with users, suppliers and external regulatory bodies as required. Through automation, responsible for designing and maintaining operational controls to manage iterative implementation as well as reengineering existing business processes or tools to managing operational risks, streamlining processes and reducing overall costs. Create tangible/measurable operational efficiencies through the application of business, financial, and process engineering knowledge. Develop comprehensive and in-depth understanding of transaction banking products & operating model framework to establish and document a detailed sustainment structure & processes as determined. This includes, but is not limited to: Development and implementation of robust operational controls, policies and procedures. Creation and maintenance of applicable user guides and knowledge bases, accompanied by scheduled training. Establishment of comprehensive management metrics that provide KPI/KRI to Senior Management. Integration and embedding of processes into daily workflows. Demonstrate a high level of professional service and effective communication within cross-functional internal and external parties to meet and deliver milestones on-time and/or ahead of schedule. Continually acquire and enhance knowledge of the Banks business strategies, policies, and risk management practices, methodologies, product offerings, financial markets, financial instruments and regulatory requirements. Keep abreast of Operations procedural changes and rapidly changing technology to be able to provide effective, efficient and innovative business solutions and service to the operations groups and business lines. Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. Creates an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank's Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. Builds a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment and using a coaching mindset and behaviours; communicating vison/values/business strategy; and, managing succession and development planning for the team. Dimensions 3 direct reports, contractors as needed. Supports Global Transaction Banking, Global Banking and Markets and other global utilities. Coverage primarily spans Canada, United States and Mexican stakeholders. Usage and knowledge of multiple in-house or external systems. Exposure to regulatory bodies such as Federal Reserve Banks or Canada Deposit Insurance Corporation. Education & Experience Bachelor's degree in Finance, Accounting, Business Administration, or related field preferred. Practical knowledge and 7 to 10 years of management experience in Transaction Products with solid understanding of Corporate/Commercial Deposits and back office operational processes/interfaces and risk management techniques Superior technical knowledge in MS Office tools, process management and dashboard software Highly organized individual with excellent negotiation and interpersonal skills. Good oral and written communication skills Proficiency in business analysis tools/methodologies and process/procedural documentation skills. Familiarity with project management principles (Agile/Waterfall) and practices. Ability to work independently and manage multiple priorities in a dynamic environment. Working Conditions Work in a standard office-based environment; non-standard hours are a common occurrence. Some potential travel to Toronto depending on business needs. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #Dallas #GTB Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

Salary Range: 76,500.00 - 142,100.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose Oversees Finance Regulatory Data Management & Data Services within Global Finance & Risk Technology (GFRT) provides development and production support services for US Regulatory Initiatives and operations. The Regulator reporting platform management team supports development related to regulatory requirements and application support for the returns filed by the bank. The team is heavily involved in business transformation projects and regression testing during migrations. As a Manager and Lead Developer you are required to supervise the regulatory reporting requirements globally, work on AI. The individual must thrive on challenge, be proactive, and demonstrate initiative, coaching the data engineers and eagerness to learn. What You'll Do Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Design and develop Regulatory reporting for Finance and Risk Support PRODUCTION support during both Finance and Risk Regulatory reporting cycle Manage and maintain Regulatory reporting platform including software patching and performance enhancements Design and develop automation workflows New data pipeline integration Data profiling and AI experience Effectively facilitate SDLC across the specification, design, build, test, and deployment phases of development. Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank's Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. Champion a high-performance environment and contributes to an inclusive work environment. What You'll Bring Hands on experience on creating of Data Sources, Data Models, Shorthands, Portfolios, Aggregations, Free Form, Tabular Report, XBRL and Mapped reports Hands on experience with Data Lineage tools Hands on experience on Data profiling Hands on experience using AI for data related activities Hands on experience using Axiom Hands on experience using Netcap Excellent SQL programming skills Excellent English (oral & written) communication skills and interpersonal skills required as direct interfacing with other developers and customers expected University or College degree in related fields Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

Country: United States of America 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 Associate, Business Control & Risk Management operates within the First Line of Defense and is accountable to assist the Business Control & Risk Management team in driving effective and consistent business line execution against the Enterprise Risk Management Framework. Specifically, the Associate works to identify, assess key risks and control effectiveness throughout the assigned business line by driving business unit adherence with applicable risk frameworks, Corporate/Business Line policies and standards. The incumbent will also assist with completion of business line risk initiatives, as assigned, such as risk assessments, KRI/KPI development and monitoring, and on-time remediation of issues. The Associate must be able to effectively partner with various stakeholders. * Drive Risk Culture: Ensure awareness in the Business Line of risk frameworks, policies and standards. * Communication & Training: Work with team members and key stakeholders to develop appropriate metrics and deliver relevant and accurate data. Work with internal teams to gain an in-depth understanding of existing risks, causes, severity rating, controls and remediation Maintain two-way communications with SLoD. Facilitate training for Business Lines to provide awareness of risk frameworks, policies, programs, processes, etc. * Adherence to Risk Frameworks, Policies, and Standards: Partner with SLoD to provide input/review of frameworks, policies and standards. Facilitate Business Line awareness of and adherence to risk frameworks, policies, and standards and issue validation. Report and escalate exceptions and facilitate Business Line corrective actions. * Continuously monitors all sources of risk existing within the Business Line and externally. Engage in research, peer networking, and experience to anticipate critical risk issues impacting the Business Line. Understand where operational, strategic, reputational, compliance, and model risks exist in the Business Line and continually assess and improve controls to mitigate those risks. Monitor Key Risk Indicators and report on negative/adverse trends in Business Line. Monitor risk profile to maintain tolerance within Risk Appetite. * Where applicable, Issue Identification, Management, and Risk Assessment: Conduct RCSA responsibilities including Process Mapping, Risk & Control Matrices, Inherent Risk Assessments, Internal Control testing and Heracles data/input. Engage and hold Business Line process owners accountable to identify and assess risks. Support Business Lines in risk identification (e.g. NPBA, change management, etc.) Ensure all issues (Self-Identified, IA, Credit Risk Review or Regulatory) pertaining to the Business Line are resolved within established timelines. Validate issues to ensure Business Line remediation is sufficient to address root cause and prevent recurrence. * Internal Control Testing: Implement and maintain internal control testing and control effectiveness monitoring in the Business Line. Validate the adequacy of controls, escalate deficiencies as appropriate. Identify root causes of control deficiencies/weaknesses and take appropriate action to ensure Business Lines remediate and prevent recurrence. * Exam Management: Liaison with the Business Line for all exam related activities including regulatory, Internal Audit and Credit Risk Review. Review materials, responses and validate Business Line remediation work (e.g. artifacts, action plans, etc.). Support the implementation of Key Risk Indicator (KRI) framework: Formally define and document metric definition details (metric type, provider, approver, numerator & denominator descriptions, source, scope, thresholds, Risk Basel category) in the centralized repository, Support structured metric submission process with established timeline and requirements. 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: Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. Master's Degree Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. 5+ Years Risk Management, Internal Controls, Auditing, Credit Management, relevant line of business experience and/or legal or regulatory experience. Demonstrated experience supporting and/or leading risk projects across multiple business lines offering a wide variety of financial services products and services. Knowledge of the financial services sector, particularly with the competitive dynamics and products in retail banking and risk management. Advanced understanding of the regulatory environment and how the risks of the products and services the bank offers are viewed by the Second Line of Defense and regulators. Ability to build credibility with, collaborate with, and influence line of business executives. Excellent analytical and complex problem solving skills. Strong project management skills. Ability to constructively work both independently and in collaborative environments involving all levels of management and employees Ability to collaborate with internal and external service providers to establish resource requirements, scheduling, assignments and service levels. Ability to build internal and external networks of information resources within the risk management ecosystem. Understanding of BSA/AML and OFAC regulations, regulatory expectations and industry leading practices. Ability to deliver high quality documentation with focus on attention to detail. Certifications: Other Risk Certification 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. 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: $65,625.00 USD Maximum: $110,000.00 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 - 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Salary Range: 76,600.00 - 142,300.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose Contributes to the overall success of the GBM&T Compliance Department in the U.S. ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team's business strategies and objectives. Ensures all activities conducted are following governing regulations, internal policies and procedures. The primary responsibility of this position is to support compliance testing for Scotiabank's U.S. operations. The U.S. Compliance Testing Program covers U.S. regulations applicable to all of Scotiabank's U.S. broker-dealer (including internal inspections), banking, swap dealer, futures commission merchant, investment management activities, corporate functions, cross-border testing engagements and other financial services activities. Members of the testing team may be assigned to conduct testing with respect to these business activities. What You'll Do Compliance Testing Officer • Support Compliance Testing Program in conducting reviews based upon the regulatory requirements, processes, policies, procedures to assess controls within the first and second lines of defense. • Understand the applicable regulatory requirements to ensure testing is adequately designed to identify potential control gaps and non-compliance with laws and regulations. • Assist team in responding to regulatory inquiries, initiatives, audits and examinations. • Support reviews through the planning/scoping, fieldwork and reporting phases. • Escalate potential issues and exception items noted during the review process to senior management. • Ensure that the stakeholders respond with appropriate action to address all draft recommendations and deficiencies noted during the fieldwork process. • Perform required administrative responsibilities in support of testing, including but not limited to: - Preparing and entering all issues and observations into central repository. - Prepare and distribute testing reports to senior management detailing review findings and recommendations. - Prepare Workpapers documenting testing with enough detail that a third party can reasonably understand. • Provide assistance with the Team's collective issues management and validation testing efforts. • Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. • Building and managing relationships with stakeholders across the business and peers within compliance. What You'll Bring • A minimum of 5 years of compliance, audit or regulatory exam support experience with at least 3 of which should involve compliance testing or audit. • Experience/background in compliance applicable to broker-dealer internal inspections, institutional trading & sales, investment banking, futures commission merchant, swap dealer activities, commercial banking, investment management, and corporate functions within investment or commercial bank or institutional broker-dealer is preferred. • Familiarity with applicable SEC, FINRA, CFTC, NFA, Federal Reserve and state banking rules applicable to international banks conducting institutional trading & sales, investment banking, investment management, and commercial banking in the U.S. • Strong attention to detail. • Ability to communicate well across all levels of an organization. • Strong ability to manage multiple compliance reviews and projects at the same time and meet timely deadlines. • Strong written and verbal communication skills. • Ability to work independently. • Excellent teamwork, interpersonal and conflict resolution skills. • Highly organized and capable of dealing with complex projects. • BA or international equivalent. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #Dallas Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted. Scotiabank is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law.

Salary Range: 76,600.00 - 142,300.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose The Cyber and Regulatory Audit Manager will participate and manage various aspects of information security, cyber risk assessments, and contribute to the overall success of the U.S. IS&C's governance, regulatory compliance, and risk program. This role requires a seasoned professional with a strong background in information security, risk management, cybersecurity technology risk, compliance, policy, and governance. The IS&C Manager will assist with regulatory responses, audit requests, and participate in various cybersecurity risk assessments, risk mitigation strategies, and safeguard the Bank from potential informational security threats. The person will also play a role in reviewing and implementing security policies, procedures, and controls to protect the organization's data, systems, and networks. The position will be expected to work closely with cross-functional teams to establish and maintain a robust cybersecurity and technology risk management program to proactively safeguard the organization from security threats by ensuring that vulnerabilities are identified, monitored, and treated, as well as assuring the Bank meets regulatory compliance. What You'll Do • Regulatory and Compliance Management (specific to cybersecurity): - Participates in engagements with external regulatory and internal/3rd party auditors requests for information security and cybersecurity. - Monitors, analyzes, and reports on cybersecurity requirements against relevant U.S. regulations and cybersecurity standards, such as NYSDFS, FFIEC, and NIST CSF. - Provides support to IT&S auditors and compliance with respect to regulatory and audit information requests. - Continuously monitors and assesses the effectiveness of security controls and processes. - Reviews cybersecurity control library periodically and provides updates as needed. - Participate in annual regulatory control testing exercises. • Cybersecurity and Technology Risk Governance: - Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions. - Identifies and assesses cybersecurity and technology risks to ensure compliance with regulations and internal policies. - Performs cybersecurity risk assessments and provide updates to US IS&C senior management. • Risk and Issues Management: - Reports and tracks all cybersecurity-related issues that pertain to audits, regulatory requirements, control testing, and other issues. - Provides guidance to internal stakeholders on cybersecurity best practices. - Prepares regular reports and presentation decks on risk management, gap assessment, cybersecurity-related issues for senior management and stakeholders. - Monitors and tracks the progress of risk mitigation efforts related to cybersecurity. - Participates in quarterly and annual Compliance Risk and Control Assessments for cybersecurity. • Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank's Values, its Code of Conduct, and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. • Champions a high-performance environment and contributes to an inclusive work environment. What You'll Bring • Required 5+ years of experience as an Information Security Analyst or related cybersecurity field with technology risk background. • Experience in IT key security controls/mechanisms and risk assessment concepts pertaining to complex data, application, and networking environments. • Prior experience and knowledge with NYDFS, FFIEC, or other US financial regulatory audits. • Have strong verbal and written communication skills in English with excellent individual project management and tracking skills. • Cybersecurity related certification is preferred (CISSP, CCSP, CRISC, CISM). • University degree or college diploma in a cybersecurity related field is preferred. Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #Dallas Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted. Scotiabank is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law.

Salary Range: 157,700.00 - 264,200.00 Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidate's relevant knowledge, skills, and experience. Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabank's strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries! We work together to drive ambition for every future! Purpose The US IT Risk Director is a strategic leader within the Technology First Line of Defense, responsible for overseeing and enhancing the technology risk management framework for the US portfolio. This role ensures robust risk controls, compliance with regulatory and internal requirements, and the advancement of a strong risk culture across all technology domains. The Director partners closely with senior technology and business leaders, risk owners, and control functions to proactively identify, assess, and mitigate technology risks. US GBME, IT Risk Advisory team plays an important role in the Bank's Three Lines of Defense Framework, providing First Line of Defense for the GBME portfolio on all technology risk domains, including Cyber Security, Data Privacy, Software Lifecycle Management, Capacity, Incident Management, Disaster and Backup Recovery, Third Party Management, Project Management, and Audit & Regulatory issue remediations. Director, IT Risk (CIO Risk Advisor) directly supports the CIO/Vice-President, US GBME Technology, to collaboratively assess, analyze and quantify technology risks. This role is part of a strategic and comprehensive IT Risk Management Function within the Technology First Line of Defense and ensures design and implementation in accordance with regulatory expectations, risk appetite, organizational risk practices and evolving business practices. Additional responsibilities include leading the success of the first line Internal Control and Regulatory Management function for the engineering portfolio, building robust technology risk controls and processes (including non-financial risks such as Cyber Risk, Availability, Resiliency, and Operational Risk), and ensuring all activities are conducted in compliance with governing regulations, internal policies, and procedures What You'll Do Advise and support risk owners in day-to-day risk management activities, ensuring adherence to policies, frameworks, standards, and guidelines. Lead a consistent approach across the regions (U.S., APAC, UK). Act as a primary interface between risk owners and other risk groups, facilitating and executing risk management activities. Compile and present risk update reports for various risk groups, including technology risk updates to the various Technology and Risk committees. Identify, assess, prioritize, and report on material IT risks for IT and aligned business areas; ensure output is recorded in enterprise systems and comply with all policies and standards. Ensure implementation of a strong IT risk culture in partnership with risk owners and other control functions. Conduct detailed IT risk assessments and ensure outputs are recorded in enterprise tools in compliance with defined policies and standards. Work closely with internal and external IT auditors on audits and regulatory exams to demonstrate compliance and oversee submissions of Requests for Information. Manage overall remediation plans, including “path to green” initiatives for applicable risk domains. Partner with Business Internal Control teams on operational control self-assessments for key applications/systems. Manage technology risk and control self-assessments for the GBME portfolio. Perform thematic risk review assessments for the GBME portfolio. Review and contribute to technology policies and standards under development or review. Monitor effectiveness of governance processes such as change management, project management, and architecture reviews. Engage in business integration projects to ensure appropriate technology controls and processes are implemented. Collaborate with IT Risk directors for other business units to improve risk management practices across the enterprise. Champion a customer-focused culture and deepen relationships with senior leadership, peers, and functional groups. Provide directions to 1st Line of Defense teams and risk owners to build their capability to identify, assess, mitigate, and monitor risks. Oversee analyses of systems or asset data and deliver monthly/quarterly reporting for senior management, Internal Controls, Compliance, Audit, and Operational Risk stakeholders. Develop reports and presentations to deliver updates on KPIs/KRIs to various audiences, including senior business risk committees. Coordinate SOX control testing, facilitate evidence collection, and prepare quarterly SOX attestations. Ensure compliance with information security regulations, user education, and cybersecurity. Lead the design and operation of compliance monitoring and improvement activities to ensure compliance with internal security policies and applicable laws and regulations. Provide and maintain technical expertise on security aspects of systems, applications, and networks. Review system development, maintenance, and acquisition efforts to ensure efficient and adequate security provisions. Actively pursue effective and efficient operations, ensuring adherence to operational risk, regulatory compliance risk, AML/ATF risk, and conduct risk frameworks. Understand and apply the organization's risk appetite and risk culture in day-to-day activities and decisions. Build a high-performance environment and implement a people strategy that attracts, retains, develops, and motivates the team What You'll Bring Minimum 7+ years of technology and non-financial risk management experience (governance, operations, audit, cyber, control functions, compliance, risk management). Demonstrated expertise in at least five technology disciplines, such as software development, API management, system design, information security, technology resilience, third party management, cloud computing, project management, incident/problem/change management, networks, and disaster recovery. Experience in managing remediation programs and other risk management roles (across any line of defense) is desirable. Strong leadership, communication (verbal and written), and influencing skills, with the ability to engage at all organizational levels. Advanced negotiation, project management, governance, and stakeholder management skills. Strong presentation design and delivery capabilities. Data analytics and visual dashboarding skills (Power BI/Tableau) are desirable. Knowledge or understanding of risk/control frameworks (ITIL, ISO, COBIT, NIST, FFIEC) is desirable. Relevant certifications are an asset (CISA, CISM, CRISC, CISSP, ITIL V3 Foundation, COBIT). Interested? If your experience is closely related but doesn't align perfectly with every qualification, we do encourage you to apply - you might be the right candidate for this or other roles at Scotiabank! At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. That's why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work - and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. #DALLAS Location(s): United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.

Whole Loan Transaction Manager, AssociateCountry: United States of America 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! Whole Loan Transaction Management, Due Diligence, and Asset Management involves managing the process of buying/selling whole loans, ensuring compliance, and verifying loan data accuracy, and managing third parties. This role requires strong organizational skills, attention to detail, and the ability to work with various stakeholders. Responsibilities: Whole Loans Due Diligence - track, report, analyze and cure loan due diligence findings based on compliance, credit, title, valuation, servicing data, and collateral Coordinate and prepare diligence findings, reporting, material preparation, and curative actions for third party RMBS securitization underwritings between counterparties, legal counsel, vendors, rating agencies, servicers, and custodians Identify and target high-risk issues to make suitable recommendations to trading desk for re-pricing / drop adjustments for whole loan acquisitions and sales and for third parties via advisory agreements Lead internal effort to review and negotiate all deal documentation and create subsequent exhibits, prepare funding schedules, and review and interpret diligence findings in coordination with the trading desk and external counsel for pricing and settlement of whole loan acquisition and sale transactions Organized and monitored due diligence activities, servicing transfers, loan document transfers, and operations between internal groups, vendors, servicers, and custodians while communicating progress and collaborating with counterparties from bid through settlement Vendor Management - work with the internal legal, procurement and information security teams to onboard new vendors and to monitor vendor performance. Oversee the inventory of mortgage loan collateral held on the firm's repo financing lines, as well as whole loan owned assets. Ensure that potential funding pools are in compliance with established facility concentration and risk limits. Ensure good communication with traders, risk, legal, and outside clients to control the risks associated with the funding process. Oversee due diligence process, including managing third-party vendors' review efforts Requirements: Strong knowledge of residential real estate Ability to work in a fast-paced culture Strong leadership and project management skills Demonstrated abilities of meeting deadlines, being self-motivated, having attention to detail, and executing at a high level 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: $131,250.00 USD Maximum: $225,000.00 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 - 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Country: United States of America 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! What you will gain Our Summer Internship Program, beginning in June 2026, provides immersive training and introduction to Santander. You will be combining this training with practical experience on both technical and people skills, helping your development during the internship. The 2026 Santander Summer Internship Program is for undergraduate students and/or graduate level students who have an expected graduation date between December 2026 and May/June 2027. Santander US is a nationwide business with locations across the country. This position locations include Boston, MA; Dallas, TX; New York, NY and Miami, FL. * 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. Salary: $67,600/year Before applying, please keep in mind that our internship program does not offer any relocation assistance. What we offer you You will be given exposure to the innerworkings of one largest financial institution in the world. Working program with best-in-class teams and contributing to projects that drive innovation across the organization. As part of the internship, you will participate in structured professional development opportunities, create connections with peers and meet leaders across Santander. As an Internal Audit intern, you will come out of this experience with an understanding of the audit profession within the Banking industry. You will gain direct knowledge of how to execute basic audit testing as part of internal audit reviews ensuring all audit quality and client relation standards are met. Responsibilities of the Internal Audit internship role may include but are not limited to: * Assist in audit planning by gathering background information on business units, processes, and controls. * Support audit fieldwork through testing controls, performing walkthroughs, and documenting evidence. * Analyze financial and operational data to identify trends, anomalies, or potential weaknesses. * Review policies and procedures to ensure compliance with internal standards and regulatory requirements. control * Prepare working papers that clearly document audit findings, methodologies, and conclusions. * Contribute to risk assessments by identifying areas of potential risk and suggesting mitigation strategies. What we are looking for * An undergraduate student with an expected graduation date between either December 2026 or May/June 2027. * Area of Study: Accounting, Finance, Data Analytics, Math, Economics, Technology, or related field * Cumulative GPA is 3.0 or above. * Brings curiosity, creativity, and the confidence to challenge assumptions and propose new approaches. * Strong English communication skills both written and spoken required. * Analytical thinkers with a strong attention to detail. * Organized and able to manage time and multiple tasks efficiently. * Ability to work independently on special projects. * Thrives in collaborative settings and values diverse perspectives to drive team success. * Coursework in or exposure to accounting, finance, economics, or business. * Experience in Microsoft Office products. (Preferred) * Experience in Excel, Python, SQL, Power BI, or Oracle. (Preferred) * Exposure to ChatGPT or Copilot (Preferred) 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.