CIB Client Lifecycle Management; KYC​/AML), Associate

Position Overview

CIB Client Lifecycle Management (KYC/AML), Associate, Country:
United States of America

• Responsible for the end-to-end Know Your Customer (KYC) processes and policies of US Santander Corporate and Investment Bank (SCIB)
• Ensure compliance with anti‑money laundering (AML), anti‑bribery and corruption, anti‑financial crime (AFC), and various regulatory standards while supporting Business Lines and Clients through onboarding and ongoing lifecycle processes
• Support KYC execution in accordance with the Bank compliance policies and procedures
• Act as a single point of contact to liaise between external clients and stakeholder groups involved in the delivery of KYC processes
• Obtain KYC, tax, and regulatory requirements for onboarding and periodic reviews, maintaining the highest standards of client engagement, transparency, and focus on the client experience
• Efficiently and accurately assess applicable requirements for client onboarding, managing the client adoption/onboarding process end to end in partnership with global teams for compliance with global/local regulations and jurisdictions
• Use internal and external systems and tools to gather information for a risk‑based assessment of clients based on identification, plausibility, validation, and verification of client information in accordance with the intended nature of business, purpose of relationship, and source of funds
• Conduct client outreach for missing information and validate the provided documentation for completeness
• Complete the KYC process for new and existing clients, including research, request and review of documentation
• Ensure all information needed for compliance with regulations is available and accurate, in compliance with established procedures
• Provide support for ad‑hoc projects to meet regulatory, legal, bank, and audit requirements
• Dispositon screening results in line with established procedures and risk tolerance
• Analyze client data, documentation, and risks to determine client risk profile as established in procedures
• Collaborate with a global team in support of common client requests, best practices, and follow‑the‑sun processing
• Liaise with clients, front office staff, credit, legal, and operations as needed to support the KYC process

• 5+ years of experience in AML/KYC roles
• Strong knowledge of AML, BSA, ACAMS, KYC/Compliance/AML procedures and standards
• In‑depth expertise in various lines of business, securities, escrow, derivatives, loans, EMIR, Dodd‑Frank, MiFID
• Attention to detail and ability to manage multiple priorities
• Sound judgment in decision‑making and risk assessment
• Ability to drive innovation and continuous improvement in compliance processes
• Bachelor's Degree or equivalent work experience; ACAMS certification is a plus

Base Pay Range Minimum: $61,875.00 USD Maximum: $ USD

Santander Benefits: 2025 Santander OnGoing/NH eGuide ()

We embrace a strong risk culture and expect all professionals at all levels 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. Occasional moving and lifting light equipment and/or furniture may be required.

Primary

Location:

Dallas, TX. Other Locations:
Texas‐Dallas, Florida‑Miami