Representative, Dealer Operations and Collections Country: United States of America 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 Representative, Dealer Operations is responsible for the administrative tasks that prevent loss to Company due to non-perfected liens. These tasks include canceling and requesting of ancillary products, missing equipment and participation while following established policies and guidelines to protect the Dealer Partner and Company. - Execute and receive communications with Dealers, via phone, mail, chat, or e-mail, regarding statements, payment instructions, cancellation requests, missing equipment claims, participation chargebacks, unwinds, inquiries, and any other related items. - Maintain a clear understanding of other departments processes including Payments, Dealer Management, and Titles teams. - Supporting our dealer partners with customized solutions including the negotiating of settlements, payment plans and/or other arrangements. - Provide exceptional service while handling complaints, inquires, and requests via incoming Dealer e-mails, phone calls, and chat. - Effectively handle difficult dealer conversations by utilizing conflict resolution techniques and word tracks. - Properly escalate complaints and issues from dealers and internal partners. - Analyze data and partner with administrators to ensure customer deficiency balances and refunds are properly collected and distributed to mitigate negative customer impact. - Build relationships with Dealerships and work closely with sales to support new business. - Work cohesively with Payment Services, Sales Partners, Dealer Management, Titles and other Santander teams to provide best in class service for our dealer customers, remain compliant and to mitigate potential customer harm. - Perform other tasks related to the SC receivables, including analyzing data on reports and spreadsheets, data entry or correction, and collaboration with other departments. - Properly document communication activity within the system of record. - Perform required functional processes in a timely manner, ensuring deadlines are met. - Special projects as assigned. - Other duties as assigned. 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. - High school diploma or GED: - Required. - Bachelor's Degree or equivalent work experience: Business, Finance, or equivalent degree. - Preferred. - 1+ Years Auto Finance field experience - Preferred. - 1+ Years Auto Dealer Services experience - Preferred. - 0+ Years Collections, Call Center, or Auto Dealership experience - Preferred. - Proficient in basic PC applications, including Microsoft Office (Excel, PowerPoint, Word, Outlook). - Intermediate to advanced typing and data entry processing skills. - Ability to communicate effectively and professionally with internal and external customers. - Ability to handle multiple tasks simultaneously. - Excellent organizational and time management skills with strong attention to detail. - Ability to educate customer on a service or product solution. - Ability to respond to internal and external requests as needed. - Ability to adhere to policies, procedures, and instructions of management. - Demonstrates ability to cope with ambiguous and changing environments and remains calm under pressure. - Takes initiative to present problems, concerns, questions and ideas. - Ability to effectively work within a team and/or individually effectively, ensuring deadlines are achieved. Certifications: - No Certifications listed for this job. 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. - Experience in Microsoft Office products. 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: $36,000.00 USDMaximum: $56,000.00 USD We Value Your Impact: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) 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: 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.

• Oplossingsgericht communiceren met opdrachtgevers, klanten en derden via e-mail, chat en brief • Helpen van klanten door met een luisterend oor de beste oplossing te vinden • Contactpersoon zijn voor deurwaarders over gerechtelijke dossiers • Technisch onderlegd en verschillende systemen tegelijk effectief gebruiken • Actief feedback vragen van klanten om technologie en diensten te verbeteren • Verantwoordelijk voor het optimaliseren van interne processen • Beantwoorden van complexe vragen van collega's, klanten en opdrachtgevers

Application Deadline: 03/29/2026 Address: VIRTUAL(R)49 - HomeRes - WI Job Family Group: Customer Shared Services Collaborates in the review and evaluation of delinquent, high risk, or written-off accounts for possible collections opportunities. Understands customer needs and provides collections-related sales and service to BMO customers or prospects. Advises customers on payment strategies and products that meet their objectives. Fulfills sales and service activities for the customer in accordance with approved procedures. Support areas may include, but are not limited to, coaching and training, quality audits, vendor management and credit collection disputes. - Delivers exceptional customer service that builds trust through expertise, responsive service and support. - Develops rapport and instils confidence with clients in order to develop credibility and earn their trust as relationship manager. - Develops and maintains long-term, profitable relationships and expands share of wallet. - Contacts the customer to obtain the necessary information to manage their application (as required) ensuring the customer is aware at all times of the status/result of the present and future payments. - Executes established loss mitigation processes/procedures for the resolution of non-performing and high risk accounts. - Handles incoming calls in an informed, professional, and efficient manner. - Probes to understand customer needs and provides advice related to payments and overall collections strategies in the best interests of the customer. - Sends out client communications, processes transactions and interacts with internal stakeholders to ensure customer needs are met. - Integrates marketing promotions and programs into customer conversations as appropriate. - Establishes expertise with Consumer Collections personnel as a key support contact/resource/coach with proficiency and tools to assist departments in achieving goals. - Analyzes data and information to provide insights and recommendations. - Manages all transactions related to customer calls or refers to appropriate internal business groups. - Escalates complex or unresolved customer situations to managers as required. - Completes required documentation to ensure customer’s requests are accurately processed. - Organizes work information to ensure accuracy and completeness. - Collaborates in efficient functioning of collections life cycle. Includes participating in the execution of established loss mitigation solutions for the successful resolution of non-performing and high risk accounts. Solutions range from various loan modification options to liquidation for borrowers with delinquent and high risk loans in order to offer default / foreclosure alternatives and minimize losses. - Delivers exceptional customer service that builds trust through expertise, responsive service and support. - Follows documented policies and procedures to execute transactions, activities and processes. - Keeps abreast of needs of the Collections departments. Identifies and makes referrals to other business groups as needed. - Maintains current knowledge of collections strategies, practices, and trends and integrates into customer conversations in a professional manner. - Maintains the confidentiality of customer and Bank information. - Supports continuous improvement initiatives by identifying and implementing changes to make processes more effective and efficient. - Develops and maintains awareness of industry trends and best practices and the regulatory environment as it relates to collections products and services. - Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees. - Analyzes issues and determines next steps. - Broader work or accountabilities may be assigned as needed. - Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.Qualifications: - Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study desirable or an equivalent combination of education and experience. - Knowledge of federal, state/provincial and local laws pertaining to Consumer Collections and functional area - Good. - Knowledge of BMO products and services - Good. - Knowledge of competitive marketplace and trends in product offerings. - Specialized knowledge. - Verbal & written communication skills - Good. - Organization skills - Good. - Collaboration & team skills - Good. - Analytical and problem solving skills - Good. Salary: $41,714.00 - $65,000.00 Pay Type: Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at http://jobs.bmo.com/us/en BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to BMOCareers.Support@bmo.com and let us know the nature of your request and your contact information. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

Are you ready to take your career to the next level? Join us at TriVerity (a Velera Company)! The Opportunity: The Collections Representative I utilizes various collection strategies and methodologies to contact consumers to negotiate payment in full or payment arrangements on debt. The Collection Representative II manages a complete portfolio of charged off accounts, maintains effective negotiation skills, utilizes skip tracing techniques and remains compliant with all regulatory and company requirements and policies. Day in the Life: - Reviews accounts in assigned queue to determine next course of action required to resolve the delinquent account. - Utilize various skip tracing techniques and collection strategies to locate right parties - Negotiate payment terms and methods, often requiring probing questions of the consumer in order to better understand potential objections to payment. - Follow up on specific accounts which meets department criteria to ensure all work has been completed on said accounts - Establish and maintain payment arrangements consistent with our established guidelines. - Dorm, close, and make recommendations on accounts in accordance with our established guidelines. - Make second voice calls as necessary to assist other collectors. - Participate actively in monthly continuous improvement training sessions, to assure that appropriate collections calling techniques are developed to respond to new and difficult calling situations. - Maintain thorough knowledge of FDCPA - Document accounts accurately and quickly - Perform all other duties as assigned. Qualifications: - Minimum (1) year collections or sales experience preferred Education: - High school education or GED equivalent Pay Equity $15.00to $18.03 Great Work/Life Benefits! - Competitive wages - Medical with telemedicine - Dental and Vision - Basic and Optional Life Insurance - Paid Time Off (PTO) - Maternity, Parental, Family Care - Community Volunteer Time Off - 12 Paid Holidays - Company Paid Disability Insurance - 401k (with employer match) - Health Savings Accounts (HSA) with company provided contributions - Flexible Spending Accounts (FSA) - Supplemental Insurance - Mental Health and Well-being: Employee Assistance Program (EAP) - Tuition Reimbursement - Wellness program - Benefits are subject to generally applicable eligibility, waiting period, contribution, and other requirements and conditions TriVerity is an Equal Opportunity Employer. We consider applicants without regard to race, color, religion, age, national origin, ancestry, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, veteran status, disability, genetic information, citizenship status, or membership in any other group protected by federal, state or local law. TriVerity is an Equal Opportunity Employer that complies with the laws and regulations set forth in the following "EEO is the Law" Poster and the "EEO is the Law" Poster Supplement. TriVerity will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the legal duty to furnish information. TriVerity is an E-Verify Employer. Review the E-Verify Poster here (English and Spanish). For information regarding your Right To Work, please click here (English and Spanish poster). As an ongoing commitment to reasonably accommodate individuals with disabilities please contact a recruiter at recruiters@velera.com for assistance.