Summary of Responsibilities:

  • Support the Sr. Director, Compliance Operations in ensuring that effective consumer compliance regulatory risk and corporate governance practices are established and maintained for the compliance organization.
  • The Associate Director, Compliance Risk represents Santander Consumer USA Inc. in ensuring appropriate, effective and consistent identification, management and remediation of compliance risk across the organization driving the compliance program strategic direction and ensuring adherence to regulatory requirements. The Associate Director, Compliance Risk is responsible for direct reports and the Compliance Risk Assessment process which is one of the core risk management elements of the Compliance Program at SC and SHUSA. The role is also responsible for the oversight, risk assessment process, internal controls, and remediation efforts and monitoring the risk impact of applicable compliance changes throughout the organization to ensure adherence to requirements and to mitigate risks.  Areas include but are not limited to UDAAP, Reg P/GLBA, Reg M/CLA, Reg B/ECOA, Fair Lending,  Reg Z/TILA, FCRA/FACTA, BSA / AML and OFAC. 

    Essential Functions:

  • Manage and oversees the Compliance Risk Assessment process to understand, reflect and report the risk profile of the organization to establish proper prioritization of regulatory compliance responsibilities
  • Coordinate all activities related to the evaluation of inherent risks and mitigating controls to determine the residual risk for applicable laws and regulations, including but not limited to: UDAAP; Reg P/GLBA; Reg M/CLA; Reg B/ECOA; FCRA and FACTA; Reg Z/TILA; BSA/AML/OFAC
  • Work with Business Units to ensure accurate and timely implementation of corrective actions plans for identified risks
  • Partner to develop training and revise policies and procedures as deemed necessary, in order to drive compliance risk awareness and understanding
  • Engage in regular meetings to develop and improve organizational priorities based on the risk assessment which drives the strategic direction of the compliance program
  • Proactively identify, track and analyze consumer compliance risk within SC
  • Oversee tracking and reporting issues such as risk events and emerging risks to ensure effective remediation of consumer compliance related matters for SC and SC’s respective Business Units
  • Represent team interests at internal meetings, committees and working groups and external functions as needed, including coordinating and/or contributing to SC reporting to external parties and regulators
  • Manage the day-to-day activities of a team, including performance management, time and attendance, etc
  • Manage the compliance risk assessment and internal control framework and methodology providing guidance regarding regulatory risks, identifying gaps, implementing controls to mitigate risks and reporting
  • Serve as the primary point of contact for the Compliance Department for other internal self-assessments
  • Partner with the Enterprise Risk Management group to ensure compliance risk assessment alignment
  • Provide direction and subject matter expertise in developing and maintaining the elements of a risk management program (risk identification, early warning methodology, risk analysis, risk control, residual risk, and risk trending).
  • Evaluate the level of compliance risk that the business faces
  • Evaluate the effectiveness of compliance controls to mitigate various regulatory compliance risk
  • Maintain expert knowledge of Federal and State laws and regulations, professional standards, and accepted business practices
  • Maintain expert understanding of the business and determining how to establish and integrate best practices based on regulatory requirements
  • Monitor laws and regulations related to automobile financing
  • Monitor applicable changes in the internal and external compliance environment
  • Communicate compliance-related issues to senior management and impacted employees across all divisions of the organization
  • Provide guidance, and insight to senior management and impacted employees on emerging compliance risk and advise the business in establishment of controls to mitigate risk
  • Lead the development of new compliance procedures and implement any necessary additions or changes to existing compliance procedures
  • Draft and assist in with the development of regulatory responses
  • Be the ‘go-to’ person for the function
  • Plan and coordinate activities to achieve objectives on time
  • Provide effective feedback and coaching to team members
  • Provide leadership and specialist knowledge to Analysts, Managers, and others on compliance matters
  • Display strong leadership/managerial skills
  • Display strong written and verbal communication skills with ability to foster a collaborative working relationship with multiple functional areas, operational areas, and complex business lines
  • Display ability to build network quickly, influence others, and effectively address audiences of all levels

    Other Functions:

  • Completes special projects as requested and possess the ability to manage multiple projects
  • Performs other duties as assigned 
  • Supervisory Responsibilities: Provides leadership and direction through staff.   Carries out supervisory responsibilities in accordance with Santander’s policies and applicable laws
  • Ability to travel to multiple facilities as dictated by business needs
  • Provide other compliance support as requested


  • BA/BS Degree or an equivalent combination of experience and education will be considered
  • Eight (8)+ years of experience working in legal, compliance, audit or other governance functions within a large commercial and/or investment bank or in a regulatory agency, with working knowledge of consumer and commercial banking
  • Five (5)+ years management experience
  • Excellent understanding of financial services regulatory requirements and current regulatory developments
  • Ability to request and/or collect relevant information, identify potential exposures/gaps, summarize conclusions, construct recommendations, present recommendations, collaborate and evaluate control results
  • Experience in, and ability to, execute an enterprise-wide compliance reporting program and effectively communicate and drive change
  • Masterful competence of MS Office; Excel, PowerPoint and Word is essential
  • Ability to maintain confidentiality, while working closely and building trust with senior management
  • Must have excellent organizational, project management, and problem solving skills with a strong attention to detail


  • Compliance certification (CRCM, NAF CCCC, CAMS, etc), Juris Doctorate, or Paralegal preferred
  • Auto finance or other related industry experience preferred
  • Program development and consultation preferred

    Working Conditions:

  • Extended working hours may be required as dictated by management and business needs.
  • Travel to multiple facilities may be required
  • May be required to lift, push, or pull materials weighing up to twenty (20) pounds.
  • May be required to sit and review information on a computer screen for long periods of time
  • May require repetitive motions of the hands and wrist related to writing and typing at an electronic keyboard

    Employer’s Rights: This job description does not list all the duties of the job.   You may be asked by your supervisors or managers to perform other duties.   You will 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 employment at any time, for any reason