Santander

Role Description The Associate, Operations performs implementation, client support, client services, client administration, customer service, enrollment and eligibility, claims processing, and call center operations. Investigates and settles customer service issues. Makes decisions related to the implementation of new/updated programs or large-scale projects for the function and supporting technical/operational procedures and processes, requiring an in-depth understanding of how organization capabilities interrelate across the function or segment. - Implements strategic plans, drives goals and objectives, and improves performance. - Acts as a subject matter resource for the team. - Assists with training/coaching of new hires. - Provides input into functions strategy. - Executes varied and complex transactions/processes utilizing standard procedures. - Has specific responsibility for one or multiple specialized products or functional areas. - Has responsibility for larger, more complex or sensitive assigned accounts or portfolio. - Processes and/or reconciles varied and complex transactions in accordance with established policies and procedures. - Partners with internal and/or external business partners to route communications, documents or other action items to complete transactions. - Identifies and resolves exceptions; escalates appropriately. - Ensures the appropriate materials and documentation are available to complete transactions. - Provides responses and documentation to inquiries and ad hoc requests. - Completes research and provides feedback on workflow and work received. - Reviews transactions and related documents and verifies work processes to ensure completeness, accuracy and conformance to established service levels and applicable policies and procedures. Qualifications - Bachelor’s Degree in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required. - 5+ Years of experience in an operations environment - Required. - Knowledge of major functional processes and associated operating requirements; ability to apply this knowledge appropriately to diverse situations. - Knowledge of and ability to bring a reported problem to successful resolution. - Knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment; ability to adapt as needed. - Knowledge of and ability to design, implement and evaluate standard operating procedures affecting daily and strategic business operations in order to increase operational efficiency. - Knowledge of major products and services and product and service groups; ability to apply this knowledge appropriately to diverse situations. - Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation. - Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy. - Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions. - Excellent verbal and written communication skills. - Demonstrated proficiency with Microsoft Office Suite with emphasis on Outlook, Word, and Excel usage or comparable software application. - Previous exposure to various commercial lending finance products and structures. - Strong analytical, problem-solving, and decision-making skills. Requirements - Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment. Benefits - 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: $58,125.00 USD, Maximum: $100,000.00 USD. - Offering more than just a paycheck, our benefits are designed to support you, your family, and your well-being, now and into the future.

Role Description Se você tem vontade de crescer e aprender sempre, e tem paixão em impactar pessoas através de suas análises, esse pode ser o seu lugar! Aqui, seu papel será: - Será responsável por atender clientes em início de jornada no universo Select, com renda de R$7.000,00 a R$15.000,00 ou investimento de R$100.000,00 a R$300.000,00 garantindo uma experiência digital premium com foco em conveniência, eficiência e proximidade humana no ambiente remoto. Neste modelo existe uma atuação de até 1500 clientes. Principais Responsabilidades: - Atender e engajar clientes 100% digital (chat/vídeo/app); - Atualizar clientes no portfólio Select, apresentando benefícios e diferenciais do segmento; - Realizar vendas consultivas de produtos no crédito, investimentos e seguros de baixa complexidade; - Coletar e atualizar dados; - Resolver demandas remotamente; - Manter familiaridade com soluções digitais com foco no ecossistema Santander; Qualifications - Conhecimento avançado de experiência do cliente; - Experiência em vendas e proficiência em utilização de ferramentas digitais; - CPA 10 (obrigatório); - Experiência aplicável em atendimento remoto; - Domínio de canais de atendimento digital, jornada do cliente e produtos financeiros; Benefits - Remuneração Variável (PLR + RV); - Assistência Médica e Odontológica; - Auxílio Alimentação e Refeição; - Previdência Complementar; - Seguro de Vida; - Auxílio Creche/Babá; - Gympass ou Totalpass; - Vale Transporte; - Programa Nascer; - Be Healthy - Programa que incentiva todos a terem hábitos mais saudáveis; - PAPE - Programa de apoio pessoal especializado.

• Develop and close new commercial lending opportunities • Build and maintain a strong pipeline of prospective clients • Represent Santander professionally at industry events • Partner with Credit teams and Senior Business Development Officers for loan proposals • Prepare clear and concise deal briefing memoranda • Maintain an organized and up-to-date database of prospects and activities • Serve as the primary relationship manager for assigned clients

• Responsible for developing and maintaining sophisticated empirical models - including credit scoring models - for a nonprime auto lender • Summary and reporting of information to a variety of internal and external clients • Interact with many other departments to achieve overall company objectives • Participate in the construction of complex mathematical models – including credit origination, pricing and customer behavior scorecards • Develop underlying assumptions, theory, empirical evidence, and conceptual soundness of statistical and mathematical models • Apply statistical techniques to analyze trends and uncover risks and opportunities • Use internal and external data sources to create robust model development datasets • Ensure modeling projects are conducted in accordance with established company policies and mathematical modeling practices • Identify modeling needs and communicate them to the Director Quantitative Modeling • Assess department procedures for accuracy and completeness • Utilize data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations • Encapsulate analytic findings into executive-level summary documents for senior management decision-making • Liaison with IT and other internal teams to define requirements and ensure timely and accurate delivery of data elements • Provide requisite information in support of independent model validation activities • Develop understanding of the firm’s operations and business practices • Support Model Validation and documentation of models in accordance with internal policies and U.S. Federal Reserve regulations

• Responsible for sound AML and Fraud risk management • Effective management of data, metrics, and reporting • Directly contribute and lead a team of professionals • Analyze various types of transactions and customer data • Develop reporting and analytics to support financial crime risk management • Build relationships with internal and external business partners

• Work with a dynamic and independent team of engineers and other areas such as Architecture, QA, Product Management and Delivery • Design and develop advanced capabilities • Infrastructure Design and Deployment • Microservices Management • Automation and Scripting • Networking and Security Monitoring and maintenance • Collaboration and CI/CD • Documentation and Reporting

Role Description Santander Auto Software is looking for a Back End Engineer to join a greenfield program where we are building a brand-new, state of the art global software platform and product suite that will be rolled out across Europe. The business is 100% tech focused, comprised of skilled cross-border software builders, and with a leadership team made up of esteemed individuals with accomplished backgrounds in global tech players. If you are looking for an opportunity to build creative technology solutions that positively impact hundreds of thousands of international customers, and relish large ownership and diverse technologies, join our team today! Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture and disability. Our mission is to contribute to help more people and business prosper. We are looking for skilled back end focused software engineers with experience working with Java & Kotlin, along with Spring Boot, Kubernetes and AWS, who have experience working in a software on demand production environment. You will build Cloud-native, AWS-based, greenfield software and will have time and support to invent solutions to a wide variety of user, business, and technical challenges. We operate a 'build it and own it' culture, and so you will have a DevOps and individual contributor mindset. These will be key hires for back-end building squads and help shape this area of the business for scale and be a key member of a fast-growing global team! Qualifications - Bachelor’s Degree in Computer Science, Information Systems, or another related field, or equivalent work experience. Requirements - Software development in Java (Spring Boot) & Kotlin - design, build, and deploy. - Production deployment experience working with AWS. - Experience with automated build and test systems for CI/CD (using Docker, Jenkins, etc). - Experienced in true Agile and its engineering practices with a true DevOps mindset. Benefits - Fully remote positions available based out of either the UK, Spain, Portugal, or the Netherlands. Skills & Knowledge - Back-end Development with Java or Kotlin. - Fluent in English. - Able to deal with ambiguity and change. - A self-starter who's able to work independently where necessary, without waiting for others. - A strong sense of ownership is key to the way we work. - Strong communication skills.

• Lead all Fraud related projects • Ensure clear business and technical requirements are documented • Develop and manage comprehensive end-to-end testing plans • Assist in determining timeframe and resources for implementations • Perform fraud systems and control analysis

Role Description How do you create customer journeys that truly make a difference? In this role, you will take ownership of local customer journeys and shape how we communicate with end customers across channels. Your work will directly influence engagement, retention, and overall customer experience. As a CRM Campaign Manager, you will own, develop, and optimize customer journeys in Salesforce Marketing Cloud, ensuring strong performance and alignment with business goals. While the role has a strong connection to the Finnish market, we are open to candidates based across the Nordics, provided you bring strong Finnish language capabilities. - Own and continuously improve customer journeys in Salesforce Marketing Cloud, from strategy to execution and performance tracking - Create and localize high-quality customer communication across channels (email, SMS, etc.), with a strong focus on Finnish language content - Serve as the primary Finnish-language copywriter for customer communications, creating compelling and accurate content across email, SMS, and other marketing channels - Work proactively with AI tools and capabilities to enhance content creation, optimize customer journeys, improve efficiency, and identify new opportunities for personalization and performance improvements - Drive performance through data analysis, KPIs, and A/B testing to improve engagement and business outcomes - Collaborate closely with Nordic and local stakeholders to align priorities and ensure consistent customer experience - Leverage data, segmentation, and platform capabilities to enable personalization and effective targeting - Contribute to agile ways of working, sharing insights, best practices, and continuously improving processes and journeys Qualifications - Fluency in Finnish (written and spoken), with the ability to create clear, engaging, and high-quality customer communication (essential) - +3 years of relevant experience in CRM, digital marketing, or customer journey management - Hands-on experience with Salesforce Marketing Cloud or similar CRM platforms - Strong analytical skills with experience in data-driven optimization, segmentation, and performance tracking - Solid understanding of customer journey design and cross-channel communication - Knowledge of GDPR and relevant local marketing regulations - Some technical understanding (e.g., HTML/CSS for email) Requirements - Experience working in Nordic or multi-market environments (advantage) - Experience with AI tools to enhance marketing performance and workflows (advantage) - Background in cross-sell strategies and lifecycle marketing (advantage) Benefits - Proactive and accountable, with a strong sense of ownership - Collaborative and communicative, able to work effectively across teams - Curious and solution-oriented, with a drive to continuously improve - Comfortable working in an agile, fast-paced environment Company Description Interested in this opportunity? We encourage you to apply by June 14th. If you have any questions about the role, feel free to contact the Hiring Leader, Dan Frieden. We perform background checks on all relevant candidates. For positions that require authorization and/or confirmation of suitability, a police certificate of good conduct and credit check must be presented. Background check is carried out with prior consent from the candidate.

• Serve as the main relationship lead for all AAA Clubs, ensuring strong engagement and alignment with CEVF programs • Drive AAA loan originations to achieve annual targets • Deliver a minimum of 10 program presentations annually to AAA club personnel • Ensure AAA clubs have current and accurate marketing and collateral materials • Develop and implement loan promotions in partnership with AAA clubs, where appropriate • Maintain accurate and up-to-date AAA club contact databases • Support lead generation efforts by identifying opportunities within AAA clubs and routing prospects to BDOs • Provide reporting and insights on AAA portfolio performance to the Relationship Manager/Market Director and appropriate AAA personnel • Assist in budget planning and performance tracking for AAA-related initiatives • Support administrative processes such as Withhold & Disburse program setup • Partner with distributors to increase application submissions and overall production • Collaborate with BDOs to convert AAA-generated leads into funded deals • Conduct in-market visits, ride-alongs, and attend trade shows and industry events • Promote CEVF programs to prospective customers and partners to expand pipeline • Maintain accurate distributor and partner contact information • Gather and share industry intelligence (rates, trends, competitive insights) with internal stakeholders • Act as a brand ambassador for Santander/CEVF within the towing and AAA ecosystem