• 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 • 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 • Analyzes data and information to provide insights and recommendations • 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 • Supports continuous improvement initiatives by identifying and implementing changes to make processes more effective and efficient

Who We Are: At OPENLANE we make wholesale easy so our customers can be more successful. We’re a technology company building the world’s most advanced—and uncomplicated—digital marketplace for used vehicles. We’re a data company helping customers buy and sell smarter with clear, actionable insights they can understand and use. And we’re an innovation company accelerating the future of wholesale remarketing through curiosity, collaboration, and an entrepreneurial spirit. Our Values: Driven Waybuilders. We pursue challenges that inspire us to build, create, and innovate. Relentless Curiosity. We seek to understand and improve our customers’ experience. Smart Risk-Taking. We transform risk into progress through data, experience, and intuition. Fearless Ownership. We deliver what we promise and learn along the way. What We Offer: - Competitive pay - Medical, dental, and vision benefits with employer HSA contributions (US) and FSA options (US) - Immediately vested 401K (US) or RRSP (Canada) with company match - Paid Vacation, Personal, and Sick Time - Paid maternity and paternity leave (US) - Employer-paid short-term disability, long-term disability, life insurance, and AD&D (US) - Robust Employee Assistance Program - Employer paid Leap into Service Day to volunteer - Tuition Reimbursement for eligible programs - Opportunities to expand your skill set and share your knowledge across a publicly traded, global organization - Company culture of internal promotions, diverse career paths, and meaningful advancement We’re Looking For: We are seeking a Skip Trace Coordinator who will coordinate and administer various investigative methods/techniques (skip trace) in the pursuit of locating client debtors and client collateral. All duties must be performed within the scope of applicable laws and regulations, operating in a manner that represents professionalism and integrity. The position will primarily use online resources but will also need to create opportunities through developing relationships over the phone. The Skip Trace Coordinator will be expected to consistently provide high-quality contact results and summarize through verbal and written communication. Reporting to the Skip Trace Manager. You Will: - Coordinate and administer various investigative methods/techniques (skip trace) in the pursuit of locating client debtors and client collateral. - Assist and perform all daily skip trace activities per Skip department standards. - Maintain a large inventory of accounts and provide regular updates to clients and PAR management. Locate, research, and evaluate new databases to enhance investigative activities and results. - Maintain current and new vendor contracts and relationships. - Review and evaluate current vendor effectiveness. Recommend changes to Senior Skip Manager. - Work with results-driven accountability and production focus. - Conduct investigative and skip tracing to selected PAR employees. - May be responsible for specific client accounts assigned by management. - Have knowledge of and provide daily production reports as instructed by management. - Generate successful relationships with recovery vendors. - Maintain a professional attitude throughout all forms of communication. - Ability to work in a team environment as well as independently with a focus on production and accountability. - Excellent time management skills and the ability to organize tasks. - Address all client and managerial communications in a timely fashion. - Perform other assignments and duties as specified by PAR senior management. Must-Have’s: - High School Diploma or equivalent is required. - One to three (1-3) years of successful investigative (skip trace) experience is preferred. - One to three (1-3) years of prior experience in the repossession or collections industry is preferred. Nice to Have: - Excellent organizational and written communication skills. - Strong computer, internet, and web searching ability with basic knowledge of Google applications - Adheres to federal/state laws and regulations regarding MSDS, OSHA, and EPA compliance. - Maintain strict compliance with the GLB – Gramm Leach Bliley Act along with all other local and federal laws relating to customer confidentiality. - Adhere to the principles of the FDCPA – Fair Debt Collection Practices Act. Sound like a match? Apply Now - We can't wait to hear from you! Compensation Range of Hourly: $17.00 - $18.00 (Depending on experience, skill set, qualifications, and other relevant factors.) Bonus Range Target Bonus Range: $0.00 - $3,500.00 USD Monthly

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.

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