Sr. Associate, Digital Fraud Strategist

Country: United States of America

USA Job Family Description: Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.

USA Job Function Description: Ensures adherence to the policies and procedures established by the company. Manages policy, standard definition and monitoring of policy, standard implementation, ensuring harmonization and consistency of risk policies. Monitors and manages risk/exposure and compliance with the company's policies. Identifies, manages and reports on the company's risk areas. Evaluates the adequacy and effectiveness of data, document retention, and monitors systems.

Essential Functions/Responsibility Statements:
Leads Fraud related projects ensuring clear business and technical requirements are documented, comprehensive end-to-end testing plans developed and managed, and implementation is fully coordinated.
Partners with operational risk group to assess Fraud controls and impacts relative to organizational initiatives including new products, channels and processes.
Builds data models to support business unit analytics and performance management
Determines and recommends business unit performance enhancements and efficiencies based on developed analytical models.
Develops and maintain peer benchmarking model.
Presents complicated and/or sensitive issues, as well as industry fraud trends, to senior level management in a concise written or verbal format.
Prepares and presents anti-fraud training to business unit partners and peers.
Assists the business unit in determining timeframe and resources to accomplish implementation of control enhancement and direct the business unit through full implementation.
Escalates issues potentially affecting reputation risk to Management, Legal, and Corporate Communications.
Understands and complies with all applicable federal regs including, but not limited to, BSA, FCRA, Truth in Lending, Equal Credit Opportunity Act, Right to Financial Privacy Act, RESPA, GLB &. FACTA.

Have strong data analytics experience with the ability to translate information into actions. 

Possess knowledge of analytics with large data sets and ability to build reporting. 

Extensive knowledge of MS Excel required; experience with R, Python, SQL or SAS a plus.

Qualifications: 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.

Education:
Bachelor's Degree or equivalent work experience: Finance, Business or equivalent field. Req

Work Experience:
9+ Years Risk Management/Controls Req

Skills and Abilities:
Strong risk management principles, methodologies and tools, governance principles and activity preferably in a financial services technology environment.
Knowledge of workflow/processes and risks/controls, including: origination, underwriting, servicing, and collections/workout.
Advanced risk, process, and control validation and/or assessment skills.
Ability to direct, train and guide peers, subordinates and management.
Ability to handle conflict resolution with other groups to ensure appropriate accounting guidance is followed.
Ability to adjust to new developments/changing circumstances.
Ability to convey a sense of urgency and drive issues/projects to closure.
Ability to effectively interact with the market, executive management and vendors.
Ability to adapt and adjust to multiple demands and competing priorities.
Excellent written and oral communication skills.
Excellent analytical, organizational and project management skills.
Strong project management skills.



Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason.

$92,250.00 USD$132,500.00 USD