Senior High Risk Analyst - BSA/AML Private Banking

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.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The Senior High Risk Analyst is responsible for conducting annual and ongoing reviews of high-risk Private Banking clients to ensure compliance with BSA/AML policies and regulatory requirements. This role performs detailed analysis of customer activity, ownership structures, account behavior, and supporting documentation to identify potential risks and validate that customer activity aligns with expected profiles.

The ideal candidate is highly analytical, detail-oriented, and comfortable working in a fast-paced environment with strict deadlines. This position partners closely with Relationship Managers and Compliance teams to obtain required documentation, complete client reviews, and support risk mitigation efforts for a predominantly Latin America-focused client base.

Key Responsibilities

• Conduct annual reviews of high-risk Private Banking clients in accordance with BSA/AML policies and regulatory requirements.
• Review customer profiles, account activity, transaction patterns, ownership structures, and supporting documentation to identify and assess risk.
• Analyze client activity and investigate variances or unusual behavior to determine whether activity is consistent with the customer's expected profile.
• Perform detailed research across multiple systems to validate customer information prior to requesting documentation.
• Partner with Relationship Managers and internal stakeholders to collect and review required documentation.
• Document findings, recommendations, and review outcomes in a clear and concise manner.
• Support special projects involving client data analysis, risk reviews, and compliance initiatives.
• Manage a high-volume workload while ensuring reviews are completed accurately and within established deadlines.
• Stay current on BSA/AML requirements, industry trends, and emerging financial crime risks.
  

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• Bachelor's Degree in Finance, Business, Accounting, Compliance, or related field, or equivalent combination of education and experience. - Required

Professional Experience:

• 3+ years of BSA/AML, KYC, Enhanced Due Diligence (EDD), Compliance, Risk Management, or Financial Crimes experience.
• Experience supporting Private Banking, Wealth Management, or high-net-worth client segments.
• Strong understanding of BSA/AML regulations and high-risk customer review processes.
• Advanced Excel skills with the ability to analyze large data sets, identify trends, and draw meaningful conclusions.
• Excellent analytical and investigative skills with strong attention to detail.
• Ability to prioritize multiple deadlines in a high-volume environment.
• Strong verbal and written communication skills.
• Ability to work independently and collaboratively across business and compliance teams.
• Experience supporting Latin America-focused client portfolios preferred.

Language:

• Fluent Spanish (required).

Certifications:

• ACAMS certification preferred.
• FIBA certification preferred.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship:
Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range:

Minimum:

Maximum:

Risk Culture:

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.

EEO Statement:

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.

Working Conditions:

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.

Employer Rights:

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.

What To Do Next:

Review the internal eligibility guidelines here. 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@santander.us to discuss your needs.