Director, AML Enhanced Due Diligence Program
Director, AML Enhanced Due Diligence Program
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Job Description
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 Director AML Enhanced Due Diligence (EDD) Program will report to the Chief BSA/AML Officer and serve as the accountable leader responsible for the design execution and continuous enhancement of the Banks Enhanced Due Diligence program. This individual will act as a subject matter expert with deep and nuanced knowledge of AML/KYC/EDD requirements and practices ensuring the programs effectiveness scalability and alignment with evolving regulatory expectations and industry standards.
The Director will manage the EDD team and will oversee program quality and outcomes acting as a reliable proxy for the Chief BSA/AML Officer in matters relating to enhanced due diligence. This role requires balancing day-to-day oversight and quality control with strategic program development ensuring that the EDD program delivers consistent compliant and high-quality results.
Program Oversight & Execution
- Oversee the development implementation maintenance and overall quality of EDD policies procedures and standards ensuring their effectiveness and alignment with regulatory requirements.
- Lead the day-to-day operations of the EDD program ensuring high-quality timely and compliant reviews of high-risk customers and transactions.
- Directly manage and provide oversight of the EDD investigative team ensuring investigations are thorough consistent and meet internal and external standards.
- Monitor analyze and report on EDD metrics emerging risks and trends providing regular updates to senior management.
- Directly engage with first line of defense/business partners to ensure EDD tasks/responsibilities carried out by the first line of defense are timely and high quality.
- Collaborate with cross-functional teams including Legal Risk and Compliance to ensure alignment with company policies and regulatory requirements.
Strategic Program Development
- Partner with the Chief BSA/AML Officer Deputy BSA/AML Officer existing EDD program management and members of the AML Business Management and Transformation team to design and implement the EDD Target Operating Model including enhancements to structure processes and technology platforms.
- Recommend and execute improvements across people processes and technology to facilitate effective and agile risk management in response to regulatory changes and expectations industry trends and internally identified enhancement opportunities.
- Determine and implement highly strategic solutions focused on process simplification and leveraging technology solutions to enhance efficiency scalability and accuracy of EDD operations.
- Serve as a strategic advisor to senior management on issues risks and opportunities related to enhanced due diligence.
Governance Audit & Regulatory Engagement
- Ensure the program is exam-ready and responsive to internal audits regulatory exams and external inquiries.
- Review and contribute to draft responses for internal audit regulatory exams and external requests ensuring accuracy completeness and consistency with program objectives.
- Consolidate findings drive remediation efforts and report progress to senior management.
- Build and maintain strong relationships with internal and external stakeholders (including regulators/examiners vendors) to support program transparency and credibility.
People Leadership
- Directly manage and develop the EDD team comprised primarily of remote employees providing coaching training and career development opportunities tailored to a virtual environment.
- Foster a culture of accountability service excellence and continuous improvement within the EDD function.
- Act as a role model for professional conduct collaboration and execution under pressure.
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.
Bachelors Degree or equivalent work experience: Finance Business or equivalent field. - Required.
Masters Degree Finance Business or equivalent field. - Preferred.
9 years; Compliance Legal Regulatory or Financial Services (large bank experience preferred but not required)
Previous and recent EDD experience including significant experience managing teams and overseeing complex EDD programs
Previous experience in managing EDD programs for Retail Commercial and Corporate banking
Proven experience in engaging with regulatory agencies/examiners
- Exceptional subject matter expertise in AML/BSA regulations with advanced nuanced knowledge of EDD requirements practices and regulatory expectations.
- Proven ability to own and drive program outcomes with a track record of delivering effective risk management through structured oversight and strategic enhancements.
- Outstanding leadership skills with demonstrated success building and developing high-performing teams including those comprised primarily of remote employees.
- Highly adept at managing teams and achieving objectives in a remote working environment ensuring consistent communication accountability and productivity.
- Superior analytical project management and organizational skills including proficiency with Microsoft Office Suite (Excel PowerPoint Word; Power BI a plus).
- Exceptional verbal and written communication skills with the ability to influence and build credibility across all levels of the organization.
- Recognized ability to engage with poise tact and diplomacy when interacting with senior executives regulators and external stakeholders.
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.
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:
Maximum:
Link to Santander Benefits:
Santander Benefits - 2025 Santander OnGoing/NH eGuide ()
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 standingand 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 to discuss your needs.
Required Experience:
Director
Employment Type
Full-Time
