Regulatory Compliance Testing - Senior Advisor

Company: Santander Holdings USA Inc
Location: Dallas
Posted on: July 16, 2025

Job Description:

Regulatory Compliance Testing - Senior Advisor Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Senior Advisor is part of the Compliance Testing (“CT”) team for the Santander U.S. Compliance Testing Unit (CTU). The CTU is responsible for assessing compliance risks and controls implemented by the business and functional areas. The testing will focus on regulatory requirements, controls and processes related to auto finance and banking products. In this role, you will review policies and procedures and perform independent testing activities (testing and on-going monitoring) to assess the design and effectiveness of key processes and controls designed to address state and federal compliance, escalating control gaps or deficiencies, any violations of law, and non-adherence to enterprise-wide policy, as well as validating adequacy of remediation taken to address identified issues. As a Sr. Advisor you will have an increased level of responsibility to conduct reviews independently, conduct more complex reviews, leading reviews in conjunction with other testers, working cross-functionally, conduct validations, prepare audit or exam requests, or train other less experienced testers. - Maintain current knowledge of relevant state and federal laws, and regulations, ensuring operational adherence on all requirements. Including but not limited to Reg. B/ECOA, Reg. Z/TILA, FCRA, FACT Act, FDCPA, UDAP/UDAAP, GLBA/Privacy, Reg. E, SCRA, and MLA. - Document test scope and objectives associated with the review and the control activities being tested. - Create testing scripts and conduct fieldwork (review of policies and procedures and perform transactional testing). - Hold weekly meetings with the LOB during testing to clarify processes and present results of testing to date (including receipt and review of responses from the LOB. - Prepare test presentations that effectively communicate testing results (findings and observations), root cause and recommendations. - Hold preliminary exit and final exit meetings with the business and key stakeholders to obtain agreement on issues, review ratings, and finalize recommendations. - Prepare and maintain organized, clear, complete, and conclusive workpapers that are audit ready. - Prepare and write clear and effective reports to provide to stakeholders; define management actions plans with stakeholders to address findings. - Track CTU findings from discovery to remediation and conduct validation of management actions plans. - Evaluate the design and effectiveness of key controls to address compliance requirements and escalate control deficiencies. - Develop and execute the CTU Plan to monitor for compliance with rules, laws, and regulations. - Participating in the development and enhancement of the CTU Methodologies and Standards for testing, monitoring, and reporting. - Developing effective relationships within CTU and with other stakeholders including business and technology process owners and Internal Audit. - Promoting knowledge sharing and promulgation of best practices across CTU and the business. - Identifying industry best practices and sharing insight with the CTU team on a regular basis. - Informing Compliance management of significant compliance matters that require their attention or action. - Work closely with cross-functional teams, including Legal, Risk Management, and Operations, to ensure seamless compliance efforts. 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. Bachelor's Degree or equivalent work experience: Business, Finance, or equivalent degree. - Required. Master's Degree Business, Finance, or equivalent field. - Preferred. 9 Years Compliance, Legal, Regulatory, or Financial Services. - Required. - Experience conducting testing, regulatory exams, auditing, or Quality Control/Quality Assurance testing. - Experience in planning, executing (including assessment of policies and procedures and creating testing scripts) and reporting on compliance testing reviews and regulatory issue validation activities in the Financial Services space. - In-depth knowledge and understanding of state and federal Financial Services risks, rules, laws, regulations, and regulatory requirements. - Strong analytical skills, attention to detail, and the ability to identify compliance risks. - Awareness of regulatory developments promulgated by federal and state regulators, applicable to our business. - Strong interpersonal skills and experience building strong relationships with stakeholders and engaging teams. - Proven success in working independently, managing multiple projects, and consistently meet deadlines. - Effectiveness in working within a large scale and complex organization. - Excellent communication skills, both written and verbal, interacting with non-executive and executive management across business lines and control functions. - Must be a self-starter, flexible, innovative, and adaptive. - Highly motivated, strong attention to detail, team oriented, and organized. - Strong presentation skills with the ability to articulate complex problems and solutions through concise and clear messaging. - Ability to work collaboratively with regional and global partners in other functional units. - Experience in managing regulatory exams and relationships with examiners, auditors, etc. Certifications: CRCM and NAF. - 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. 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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. Primary Location: Dallas, TX, Dallas Other Locations: Texas-Dallas

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