Senior Risk Associate, Capital Markets - Regulatory Onboarding Are you looking for a challenging role that includes the convenience of working virtually at home? Then a Capital One Commercial Ops role may be the role for you! You must be within 50 miles driving distance from one of our Capital One hubs in Richmond, VA/ Plano, TX/ or Charlotte, NC. Capital One Commercial Bank Operations is seeking a dynamic, experienced professional to join the Regulatory Operations Onboarding team as a Senior Associate. This team supports the highly transactional Derivatives and Securities sales and trading business handling all onboarding-related activities. Through daily responsibilities to onboard new customers, team members ensure Capital One is compliant with CFTC, FINRA, and other regulatory requirements, while providing our customers with an unassailable onboarding experience. Role & Responsibilities: - Provide exceptional customer service to both internal and external customers, while managing documentation support and coordination of client onboarding - Perform due diligence review and validation of onboarding documentation for accuracy and regulatory compliance - Consult Front Office and external customers on onboarding requirements and policies - In partnership with Front Office, conduct weekly pipeline reviews and prioritization of requests - Facilitate account setup in system of records with internal teams such as Derivatives Operations, COS Operations, and Collateral - Collaborate with internal teams to optimize processes and build relationships with our partners - Manage onboarding documentation and ensure they are uploaded into the record keeping depository - Manage external and internal audit requests in onboarding related asks - Regular review and appraisal of workflows and procedures to provide optimum client experience and appreciation of regulatory, compliance and risk environment - Demonstrate and articulate processes and industry knowledge through various communication avenues to internal team members and customers - Strong communication skills (both written and oral) - Attention to detail and a sense of urgency in escalating and resolving outstanding issues - Critical thinking skills and demonstrated ability to independently analyze problems and synthesize and implement solutions - Focus on achieving both short and long-term goals. (Candidate should be able to drive and execute an agenda in an uncertain and fluid environment) - Ability to integrate business fundamentals, technology skills, and project management to deliver results - Investigative mindset and is unafraid of fast failing to determine what doesn't work instead of focusing solely on what is working - The propensity to thrive under conditions of uncertainty and ambiguity - Ability to work effectively both in a team environment or independently Work from Home Technology Requirements: - A secure home office environment that is free from background noise and distractions - A reliable private internet connection that is not supplied via cellular data or hotspot - A private network that is password protected where you have ownership or line of sight to every device on the network - Internet service must be provided by Cable or fiber Internet Service Provides (ISP) - Hotspots and satellite services are prohibited and do not meet performance criteria required for optimal agent/customer interactions - ISP download speeds on VPN must be at least 5Mbps, with 10+ Mbps preferred - To validate ISP speeds from a Chrome browser, go to www.google.com, type Speed Test and run from the Google landing page - Both Hardwire and WiFI internet connections are acceptable as long as speed and security requirements are met Capital One reserves the right to request proof of internet provider, speed and service package from the associate. Requirements are subject to change, as new systems and technology are delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice. Internet Service Provider specs can change by provider and location within the US. If you are experiencing consistent issues with internet stability Capital One reserves the right to ask the agent to upgrade internet service to ensure a good customer experience. Work from Home Living Requirements: - Candidates must live within approximately 50 miles from one of the hub locations based in 23238, 75024, or 75024 and be comfortable coming in person whenever required with no less than 24 hours notice. Basic Qualifications: - High School Diploma, GED or equivalent certification - At least 3 years of experience in Financial Services Preferred Qualifications: - Bachelor’s Degree or Military experience - 2+ years of experience with derivatives products, ISDA Definitions, and Dodd-Frank Title VII - 2+ years of experience with securities products and FINRA rules - 2+ years years of experience in KYC (Know Your Customer) or AML (Anti-Money Laundering) - 2+ years years of experience with Client Onboarding At this time, Capital One will not sponsor a new applicant for employment authorization for this position. #CommOps The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Charlotte, NC: $87,700 - $100,100 for Sr. Risk Associate Plano, TX: $87,700 - $100,100 for Sr. Risk Associate Richmond, VA: $87,700 - $100,100 for Sr. Risk Associate Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

• Operational and technical support • Analyze and resolve incidents in AWS environments (N2/N3 level) • Investigate root causes of failures in data services and infrastructure • Perform troubleshooting related to performance, availability, and cost • Provide technical support to initial support tiers • Monitoring and observability • Monitor and analyze metrics from AWS services, including: Redshift, EC2, EMR, Athena, SQS, DynamoDB, Lambda, S3 • Identify performance bottlenecks and operational risks • Create and enhance alerting and monitoring mechanisms • Identify opportunities to improve performance, cost, and stability • Recommend preventive actions to avoid incidents • Automate operational and monitoring routines • Support the definition of cloud architecture best practices • Contribute to the evolution of data platform governance • Support vulnerability analysis and remediation guidance • Support the preparation of monthly technical reports

We’re looking for bold, entrepreneurial talent ready to help build something extraordinary — and reshape the future of building products distribution. QXO is a publicly traded company founded by Brad Jacobs with the goal of building the market-leading company in the building products distribution industry. On April 30, 2025, QXO completed its first acquisition: Beacon Building Products, a leading distributor in the sector. We are building a customer-focused, tech-enabled, and innovation-driven business that will scale rapidly through accretive M&A, organic growth, and greenfield expansion. Our strategy is rooted in delivering exceptional customer experiences, improving operational efficiency, and leveraging data, digital tools, and AI to modernize a historically under-digitized industry. What you'll do: As a Credit Manager at QXO, you will play a vital role in supporting profitable growth by balancing credit risk with strong customer relationships, while overseeing accounts and contributing to sales performance. - Drive profitable sales growth by approving transactions and extending credit in accordance with company policies - Evaluate and monitor credit risk, maintaining accurate and up-to-date customer credit profiles - Oversee the accounts receivable portfolio through direct customer engagement and collaboration with internal teams - Work with delinquent customers to negotiate payment solutions that reduce bad debt and support continued sales - Prepare management and corporate reports, including coordination of third-party collections and legal actions - Perform responsibilities remotely or from company offices/branches within local markets What you'll bring: - Bachelor’s degree in business or a related field preferred - 3–5+ years of experience in credit and collections - Strong communication, presentation, and negotiation abilities - Experience in building materials distribution or the construction industry preferred - Solid understanding of accounting and finance principles; knowledge of lien and bond processes is a plus - Proficiency in Microsoft Office Suite - Excellent written and verbal communication skills - Willingness to travel occasionally for business needs What you'll earn - 401(k) with employer match - Medical, dental, and vision insurance - PTO, company holidays, and parental leave - Paid training and certifications - Legal assistance and identity protection - Pet insurance - Employee assistance program (EAP) QXO is an Equal Opportunity Employer. We value diversity and do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other protected status. Salary Range: USD $90,000.00 - USD $110,000.00 /Yr.

Workout Officer - Remote 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 Associate Workout Officer is responsible for managing a portfolio of low- to mid-complexity non-performing commercial real estate loans, primarily secured by rent-regulated multifamily properties in New York City. The role requires demonstrated knowledge in commercial loan documentation, underwriting, and credit risk analysis, as well as the ability to negotiate and structure solutions with clients. The successful candidate will leverage strong analytical, negotiation, and relationship management skills to protect the bank’s interests while seeking pragmatic, regulatory-compliant outcomes. Essential Duties & Responsibilities - Workout & Portfolio Management - Manage a portfolio of distressed and criticized multi-family loans. - Analyze collateral, borrower financials, guarantor strength, and market dynamics to recommend resolution strategies. - Implement and monitor approved workout plans, including modifications, forbearance agreements, and foreclosure proceedings. - Commercial Loan Documentation - Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and loan modifications. - Coordinate with internal and external legal counsel to ensure accuracy and compliance with Santander’s standards and regulatory requirements. - Underwriting & Financial Analysis - Evaluate rent-regulated property performance, including rent rolls, operating expenses, reserve accounts, and capital needs. - Prepare and present credit memoranda and risk assessments for management review. - Negotiation & Relationship Management - Lead discussions with borrowers, including institutional sponsors, investors, and legal representatives to achieve mutually acceptable outcomes. - Maintain effective communication with internal stakeholders, including Credit, Legal, Appraisal, and Compliance teams. - Compliance & Reporting - Ensure all activities adhere to internal policies, regulatory standards, and applicable laws, including those governing rent-regulated properties. - Maintain accurate loan files and produce periodic portfolio and risk management reports. - Administrative & Operational Support - As needed, manage signature page coordination for executed documents, liaising with internal and external counsel for Workout Group. - Provide other general administrative support to the Workout Group, including assistance with internal reporting, project tracking, and system updates. What You Bring - Qualifications - Education: Bachelor’s degree in Finance, Real Estate, Accounting, or a related field required; MBA or advanced degree preferred. - Experience: - 5+ years of experience in commercial real estate workouts, special assets, or credit risk management, ideally within a regulated financial institution. - Proven ability to review and negotiate commercial loan documentation. - Demonstrated experience underwriting rent-regulated multifamily properties in the NYC market. - Strong background in credit analysis, collateral valuation, and borrower negotiations. - Skills & Competencies: - Advanced financial modeling and credit risk assessment capabilities. - Working knowledge of rent regulation laws and NYC multifamily market dynamics. - Excellent negotiation, communication, and interpersonal skills. - Proficiency in Microsoft Excel, Word, and loan servicing or risk management systems. Competencies - Analytical Thinking & Judgment – Applies critical thinking to evaluate credit situations and make sound recommendations. - Relationship Management – Builds productive relationships with borrowers, institutional investors, and internal partners. - Execution & Results Orientation – Drives timely and effective resolution of distressed assets. - Risk Awareness – Understands and mitigates potential risks in line with regulatory and policy frameworks. 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: $76,875.00 USDMaximum: $135,000.00 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.