Client Lifecycle Management - Transaction Driven Financial Crime - Analyst

Santander Bank, N.A. is a global leader in financial services and is evolving into a technology-driven organization. The Analyst role is responsible for managing the Screening, Transaction Monitoring, and Trade Finance processes to ensure compliance with anti-money laundering and financial crime regulations while supporting business lines and clients through the lifecycle processes. Responsibilities - Conduct alert reviews and investigations and request additional information from applicable stakeholders as necessary - Perform Quality Assurance on false positives and communicate deficiencies to the appropriate party - Keep abreast of new rules and AML typologies relating to specific business lines - Escalate alerts to Compliance 2LOD as necessary - Analyze existing and proposed legislation, regulatory announcements, and industry practices for compliance requirements, and implements procedures to meet these requirements for applicable business units - Assess procedures and policies to ensure the business units are in compliance with standard regulatory and policy requirements - Coach and review work of junior colleagues - Collaborate with teams on projects and program tasks intended to improve compliance and enhance the control environment - Evaluate controls in place to ensure continuous compliance measures with laws, regulations and policies affecting the organization, recommends process improvements to management - Identify systemic procedural weaknesses and additional training requirements needed to ensure compliance - Prepare drafting of policy and procedural documentation when control changes are made - Validate controls or project plans to ensure compliance with laws, rules and regulations - Act as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members - Develop and implement Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs) to measure the effectiveness and efficiency of AML controls - Create and maintain dashboards and reports to provide management with a clear, data-driven view of the trade finance AML landscape - Perform research, analyze relevant compliance-related information, and make recommendations on necessary procedural/control changes on more complex compliance matters - Assist with the planning, execution/gathering documentation, and reporting of audits/security assessments - Support management in the day-to-day efforts related to compliance with laws, rules, regulations, and related policies - Research regulations by reviewing regulatory bulletins and other sources of information - Maintain rapport with regulatory personnel by arranging continuing contacts, resolving concerns - Prepare reports by collecting, analyzing, and summarizing information - Identify and report on changing trends in methods used by fraud perpetrators - Maintain quality service by establishing and enforcing organization standards - Assist with the development, implementation, and maintenance of Compliance controls - Partner with various lines of business to ensure compliance with all commercial compliance laws, regulations and provide ongoing regulatory guidance - Review existing compliance controls for regulatory updates and performs the necessary gap analysis - Create and maintain various internal and external audit and compliance schedules - Assist with conducting risk assessments on business and operational processes, procedures, and policies; analyzes results and makes recommendations on the adequacy and reliability of controls - Prioritize and control projects based on severity of risk and non-compliance - Communicate control strengths and weaknesses to internal audit and compliance and collaborates with internal audit to develop migration plans - Develop and implement Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs) to measure the effectiveness and efficiency of AML controls - Create and maintain dashboards and reports to provide management with a clear, data-driven view of the trade finance AML landscape - Perform comprehensive Know Your Customer (KYC) checks during a trade finance transaction - Conduct enhanced due diligence reviews for high-risk clients or complex transactions, especially those involving high-risk jurisdictions or dual-use goods - Perform secondary risk assessments on trade finance clients and transactions to align with the company's risk appetite - Adhere strictly to internal AML policies and procedures, as well as relevant federal and state laws, such as the Antiboycott Law, Bank Secrecy Act (BSA), and the PATRIOT Act - Ensure compliance with global sanctions regimes, including screening against the OFAC sanctions list - Serve as the primary liaison with the Second Line of Defense on risk-related matters - Act as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members - Review existing compliance controls for regulatory updates and performs the necessary gap analysis - Create and maintain various internal and external audit and compliance schedules - Assist with conducting risk assessments on business and operational processes, procedures, and policies; analyzes results and makes recommendations on the adequacy and reliability of controls - Prioritize and control projects based on severity of risk and non-compliance - Communicate control strengths and weaknesses to internal audit and compliance and collaborates with internal audit to develop migration plans - Develop and implement Key Performance Indicators (KPIs) and Key Risk Indicators (KRIs) to measure the effectiveness and efficiency of AML controls - Create and maintain dashboards and reports to provide management with a clear, data-driven view of the trade finance AML landscape Skills - 1+ years in AML/KYC roles - REQUIRED - Bachelor's Degree or equivalent work experience - AML, BSA, ACAMS, KYC/Compliance/AML, TDFC procedures and standards, Financial industry with in-depth expertise in various lines of business, securities, escrow, derivatives, loans, EMIR, Dodd Frank, MiFID - Advanced Microsoft Office (Excel, Word, PowerPoint, Outlook) skills - Ability to read, analyze and interpret government regulations, trade journals and legal documents - Ability to effectively and clearly communicate instructions to others, summarize and articulate issues, and document findings in a clear and concise manner - Strong project management skills - 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 - Desired but not required - ACAMS - Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education - Experience in Microsoft Office products Benefits - Fair and competitive rewards package - Benefits are designed to support you, your family and your well-being Company Overview - At Santander Bank, it’s our mission to help people and businesses prosper. It was founded in 2013, and is headquartered in Boston, Massachusetts, USA, with a workforce of 5001-10000 employees. Its website is https://www.santanderbank.com. Company H1B Sponsorship - Santander Bank, N.A. has a track record of offering H1B sponsorships, with 6 in 2026, 44 in 2025, 35 in 2024, 60 in 2023, 66 in 2022, 78 in 2021, 69 in 2020. Please note that this does not guarantee sponsorship for this specific role.