Director, HNW Wealth Planner

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.

We Want to Talk to You!

The Director, HNW Wealth Planner provides advanced financial planning, cross‑border tax strategy, and holistic wealth guidance for high-net-worth (HNW) domestic and international clients within a broker‑dealer environment. This role partners with financial advisors, relationship managers, and product teams to deliver customized planning solutions covering multi‑jurisdictional tax considerations, estate planning, wealth transfer, philanthropic strategies, and investment‑related tax optimization. The ideal candidate blends deep financial planning expertise, strong U.S. and international tax knowledge, and the ability to communicate complex matters to sophisticated global clients.

• Deliver comprehensive wealth plans for HNW individuals, families, and global households with U.S. and non-U.S. connections.
• Analyze client goals related to retirement, cash flow, liquidity planning, trust and estate planning, and legacy considerations.
• Build customized planning strategies covering investment allocation, risk management, concentrated equity positions, alternatives, and structured product exposure.
• Prepare planning presentations, deliverables, and scenario analyses for advisors and key clients.

• Provide guidance on U.S. tax considerations for HNW global clients, including inbound/outbound planning, residency issues, reporting obligations, and cross‑border asset structures.
• Evaluate tax implications of investments including municipal bonds, international fixed income, PFICs, alternatives, and structured solutions.
• Support advisors and clients with tax‑efficient strategies such as asset location, charitable gifting, and estate planning techniques.
• Partner with Legal/Compliance on FATCA, CRS, and foreign reporting rules impacting global clients.

• Serve as an advanced planning resource for financial advisors supporting HNW and international households.
• Participate in client meetings to present planning recommendations and tax‑informed strategies.
• Work closely with the broker‑dealer’s lending, trust, investment, and wealth strategy teams to deliver integrated recommendations.

• Ensure all planning recommendations adhere to FINRA, SEC, Reg BI, and internal supervisory expectations.
• Maintain documentation that demonstrates suitability, tax rationale, and planning assumptions.
• Support due diligence for cross‑border clients including KYC/AML considerations and product eligibility limitations.

• Train advisors on planning techniques, tax considerations, cross‑border complexities, and wealth strategies.
• Create planning tools, case studies, and internal reference materials for the field.
• Participate in thought leadership initiatives on global HNW trends and tax legislation changes.

• Bachelor’s Degree or equivalent work experience:
  Business, Finance or equivalent field. – Required.
• 9+ years of wealth planning, tax advisory, or private wealth experience.
• Strong understanding of U.S. tax code (individual, trust, investment) and familiarity with cross‑border tax principles.
• Experience working with HNW clients, global families, expatriates, or international investors.
• Strong financial modeling, analytical, and communication skills. Proven experience with HNW/UHNW client structures, including trusts, estates, foundations, family offices, and discretionary mandates.
• Demonstrated management, leadership and interpersonal skills.
• Demonstrated marketing and marketing research skills.
• Thorough knowledge of competitive market, operations and various…