Senior Associate – Capital Planning and Treasury

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 Senior Associate will be a part of the Capital Planning and Stress Testing team within Treasury.  The central function of the team is to ensure the bank remains adequately capitalized under both business-as-usual and stress conditions. This role will support the development and execution of enterprise-wide financial forecasting, stress testing, capital planning, and regulatory reporting processes. This is a high-visibility role with exposure to senior leadership and cross-functional teams across all lines of business.

• Support the end-to-end capital planning process, including scenario design, forecasting of capital and risk-weighted assets (RWAs), and assessing impacts under various economic conditions

• Analyze and interpret bank financial statements to model balance sheet and income statement impacts for capital stress testing

• Collaborate with business units and risk partners to gather inputs and assumptions for stress testing models and other forecasting methodologies

• Develop and maintain thorough model and/or process documentation to support forecasting methodologies, assumptions, and governance requirements

• Ensure accurate and timely data aggregation, transformation, and reporting across capital and RWA components

• Develop, maintain and improve Excel-based models and templates used for capital projections and regulatory reporting

• Support the preparation of materials for senior management and regulatory stakeholders (e.g., FR Y-14A, CCAR, ad-hoc regulatory requests)

• Assist in ongoing enhancements of stress testing and capital planning infrastructure and governance

• Participate in the implementation and use of automation tools and reporting dashboards to enhance insight and efficiency

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: Bachelor’s or advanced degree in Finance, Economics, Accounting, or a related quantitative field . - Required.

9+ Years experience in banking, capital planning, financial planning, accounting, or financial analysis - Required.

• Deep understanding of bank financial statements and key regulatory capital concepts (e.g., Capital, Capital Planning, RWA methodologies)

• Strong analytical skills with a demonstrated ability to interpret financial data and translate it into actionable insights

• Advanced Excel skills, including the ability to build and understand financial models and use advanced formulas

• Exceptional attention to detail, commitment to accuracy, and organizational skills

• Strong verbal and written communication skills in interacting with internal stakeholders

• Detail oriented with ability to research, organize and analyze financial data.

• Familiarity with Vena (Excel-based performance management software), Python and/or SaaS programming, Hyperion, FR Y14-A reporting, and/or working knowledge of Power BI preferred but not required

Certifications:
CFA - 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.

• 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:

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.