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 Capital Risk function is responsible for identifying and assessing the exposure of Santander US capital to specific events or the combination of circumstances that may impact on its position or the quality of its assets. The capital risk management oversight team reports to the Chief Treasury Risk Officer. The capital risk function ensures that capital management decisions are consistent with Santander capital policy guidelines, risk profile and appetite, preserve Santander US capital adequacy, contributes on meeting its regulatory requirements. As an independent function from management, the capital risk function escalates to senior management any capital issue or deficiency, and review and challenge the management decisions associated with Capital, including strategic planning and budget, stress testing, and capital initiatives and significant risk transfer activities.
The capital risk function works in coordination with Global headquarters, and periodically interacts with the capital management team, corporate treasury, business lines, internal auditors, among other stakeholders, providing an active support of capital management activities throughout a collaborative and proactive independent risk assessment and oversight.
This role is responsible for overseeing the analysis, validation, and reporting of regulatory capital metrics to ensure accuracy, compliance, and effective risk management. The Associate of Capital Risk is responsible for monitoring the capital risk metrics trends, attest accuracy of capital risk metrics, assesses the impact of regulatory changes, and reviews risk-weighted asset calculations under US GAAP and IFRS standards. It supports the review and challenge of capital planning, stress testing, and regulatory reporting processes by analyzing complex data, assessing implementation of methodologies and assumptions, and documenting key findings. The role also manages issue escalation related to capital risks, prepares reporting for senior management and governance committees, and contributes to regulatory examinations, audits, and remediation initiatives.
Analyze trends and performance of capital metrics, identify key drivers of changes, assess material impacts, and monitor management or mitigation actions.
Evaluate the impact of new or proposed regulatory rules on capital requirements, including changes to existing regulations.
Review and attest regulatory capital and risk-weighted asset (RWA) calculations under US GAAP and IFRS, assessing key differences and performing validation testing to ensure accuracy.
Interpret complex capital data and reports to identify drivers of variation and confirm the integrity and reliability of reported results.
Prepare comprehensive reports to support the review and challenge of regulatory capital processes, including methodologies, assumptions, inputs, outputs, and related business decisions.
Utilize advanced data and analytical tools to extract, analyze, and synthesize market and internal data for capital measurement, ensuring output quality and effectively communicating findings.
Document review and challenge sessions related to capital planning, capital policies, and stress testing activities.
Maintain issue logs and monitor events requiring escalation related to capital risk deficiencies or findings.
Produce regular and ad hoc reporting for Global Headquarters, senior management, and governance committees.
Support regulatory examinations, internal audits, remediation initiatives, and ongoing capital-related projects.
Oversee the capital risk escalation and issue management framework.
What You Bring:
Bachelor's degree in economics, finance, risk management, or a related field.
5+ years of experience in a capital management, market risk or credit risk areas.
Experience with capital regulatory reporting is a plus.
Knowledge of Basel capital rules and US capital regulation is ideal.
Proficiency in basic software packages, including MS Office, databases (Access database, SQL Server, Oracle), and presentations.
Basic to advance knowledge in a programming language (Python, R, MATLAB, SAS, others). Excellent presentation, interpersonal, written and verbal communication skills.
Ability to independently operate with and adapt to a dynamic and evolving environment Ability to manage multiple priorities, accommodating to business dynamics needs.
Initiative in developing efficient analytical solutions.
Ability to analyze and interpret complex data related to capital metrics and reports to identify drivers of variations and determine accuracy of reporting outcomes.
Strong verbal and written communication skills.
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:
$90,000.00 USD
Maximum:
$155,000.00 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 - 2026 Santander OnGoing/NH eGuide (foleon.com) (https://businessolver.foleon.com/santander/2026-santander-eguide/)
Risk Culture:
We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
EEO Statement:
At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.
Working Conditions:
Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
Employer Rights:
This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.
What To Do Next :
If this sounds like a role you are interested in, then please apply.
We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
