Santander Bank, N.A. · 2 weeks ago
Client Lifecycle Management - Transaction Driven Financial Crime Associate
Miami, FL
Full-time
Hybrid
Mid, Senior Level
$75K/yr - $128K/yr
5+ years expSantander Bank, N.A. is a global leader and innovator in the financial services industry, committed to creating an enriching environment for its employees. The Transaction Driven Financial Crime Associate will be responsible for the end-to-end Screening, Transaction Monitoring, and Trade Finance processes to ensure compliance with various regulatory standards and support business lines and clients through onboarding and lifecycle processes.
BankingFinanceFinancial Services
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
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
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
Qualification
Required
5+ years in AML/KYC roles - REQUIRED
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
Bachelor's Degree or equivalent work experience; Desired but not required - ACAMS
Preferred
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
Experience in Microsoft Office products
Benefits
Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com)
Company
Santander Bank, N.A.
At Santander Bank, it’s our mission to help people and businesses prosper.
5001-10000 employees
H1B Sponsorship
Santander Bank, N.A. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
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Trends of Total Sponsorships
2025 (44)
2024 (36)
2023 (61)
2022 (66)
2021 (78)
2020 (69)
Funding
Current Stage
Late StageTotal Funding
$75MKey Investors
Wind Turbine & Energy Cables
2020-01-22Debt Financing· $75M
Leadership Team
Pierre Habis
Chief Consumer & Digital Transformation Officer
Recent News
CEE Legal Matters
2025-12-22
The Philadelphia Inquirer
2025-12-06
Crain's New York Business
2025-11-18
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