Sr. Technology Risk & Control Associate

Santander•Miami, FL

22h

About The Position

The Sr. Technology Risk & Control Associate operates within the First Line of Defense and is responsible for leading the execution and continuous enhancement of technology risk and control frameworks, including control identification, control testing, and residual risk assessments as part of the RCSA program. This role exercises a high degree of independence in assessing risk exposures and driving the design and implementation of effective control environments. Acts as a key partner to the business, championing the Business Control mandate by influencing stakeholders to embed sustainable risk management practices within the First Line. As a subject matter expert, the individual provides strategic guidance across enterprise-wide initiatives, including risk assessments, KPI/KRI development, and issue remediation. This role requires extensive cross-functional collaboration and the ability to influence senior stakeholders to align on risk mitigation strategies and regulatory expectations. Plays a critical role in shaping risk strategy, improving control effectiveness, and driving a strong risk culture across the organization. May lead initiatives and provide oversight or guidance to junior team members as needed.

Requirements

Bachelor’s degree required or equivalent experience
6 - 8 years of relevant experience or demonstrated required level of proficiency
Ability to build credibility, collaborate with, and influence stakeholders, while developing strong internal and external networks within the risk management ecosystem.
Experience working both independently and collaboratively across all levels of the organization, including coordination with internal teams and external service providers to manage resources, assignments, and service levels.
Strong understanding of the regulatory environment, including BSA/AML and OFAC requirements, and how product and service risks are evaluated by the Second Line of Defense and regulators.
Demonstrated experience supporting or leading risk initiatives across multiple business lines and a broad range of financial products and services.
Excellent analytical and complex problem-solving skills, combined with foundational project management capabilities and knowledge of retail banking and competitive dynamics.
English, required.

Nice To Haves

Spanish is a plus.

Responsibilities

Acts as a key liaison with Risk, Compliance, and Second Line of Defense functions to lead the development, enhancement, and execution of policies, risk assessments, risk mandates, business continuity, and resolution planning activities across the line of business.
Independently analyzes and evaluates complex regulatory requirements and business processes, providing strategic guidance and actionable recommendations to ensure alignment with regulatory expectations and sound risk management practices.
Leads the design, implementation, and enhancement of controls and procedures in alignment with regulatory standards, proactively addressing risks associated with products, services, customer types, and operational environments.
Owns the end-to-end execution and continuous improvement of the compliance program for the assigned area; identifies control gaps, drives root cause analysis, and implements sustainable remediation strategies.
Drives and influences changes to policies, procedures, and business processes to ensure alignment with FFIEC and enterprise risk management standards, acting as a trusted advisor to business stakeholders.
Partners effectively with senior stakeholders across lines of business to assess risk, gather requirements, and ensure appropriate mitigation strategies are implemented.
Provides regular, insightful reporting and risk updates to senior management (L2/L3), highlighting key risks, emerging issues, and program performance.
Leads complex, cross-functional process evaluations impacting multiple lines of business, ensuring consistency, efficiency, and adherence to regulatory expectations.
Serves as a primary point of contact for regulatory examinations and internal/external audits, articulating the rationale behind controls and decisions, and ensuring timely and accurate delivery of required documentation.
Recognized as a subject matter expert, contributing to enterprise-wide initiatives including risk assessments, KPI/KRI development, issue remediation, and control enhancements.
Monitors and communicates regulatory developments and emerging risks, assessing business impact and driving necessary changes within the assigned compliance area.
Provides guidance and mentorship to team members and business partners on risk and compliance matters, supporting effective issue resolution and capability building.
Delivers regular reporting and updates to the CORO and Compliance Director and other senior stakeholders on program status, risks, and remediation efforts.
Other duties as assigned or requested by immediate supervisor.