Associate, Treasury Risk

Overview

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.

• Own and execute the monthly Internal Rate of Return (IRR) calculation process, ensuring accuracy, timeliness, and compliance with established methodologies.
• Review, validate, and challenge the accuracy, completeness, and consistency of data inputs used in IRR calculations.
• Perform ad‑hoc IRR and performance analyses to support management inquiries and business decisions.
• Prepare and present IRR analysis, insights, and key findings to senior management in a clear and concise manner.
• Develop, maintain, and enhance IRR‑related procedures, guidelines and documentation to ensure process consistency and knowledge continuity.
• Conduct monthly variance and trend analyses to identify key performance drivers, risks and emerging issues and escalates findings as appropriate.

• Bachelor’s Degree or equivalent work experience in Business, Finance, Management or related field – Required.
• 5+ Years of Risk Management/Controls – Required.
• Advanced understanding of key inherent risk and market risk management control practices to perform periodic analysis with critical reasoning for high management reporting.
• Strong market 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.
• Ability to independently operate in a complex, matrixed environment; adept at delivering and maintaining productive working relationships across business, functions, geographies and lines of defense.
• 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.
• Strong analytical, organizational and project management skills.

No Certifications listed for this job.

• Strong knowledge and understanding of financial products.
• Strong communication skills, both written and verbal.
• Experience using QRM highly desired.
• Proficiency in Excel necessary. Experience using VBA, SQL, Access desired.
• Hands‑on experience with automating processes using coding/programming languages would be a benefit.

Base Pay Range: $90,000.00 – $ USD.

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.

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.

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.

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.

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 to discuss your needs.