Summary of Responsibilities:

The Compliance Analyst III is responsible for assisting the Consumer Compliance Monitoring Manager in developing and monitoring SCUSA business and compliance.  Responsible for working with the Consumer Compliance Monitoring Manager and business operations to ensure the Company is operating in compliance with applicable laws and regulations as well as policies and procedures.   This is achieved through coordinating and conducting detailed compliance examinations of company business and third party servicers.  The Compliance Analyst III will work both independently and also in conjunction with other Compliance Analysts and management.  The Compliance Analyst III is also responsible for working with operations, accounting and executive management to identify and analyze gaps and weaknesses in business processes, systems and ensure corrective actions are taken to mitigate risk. 

Essential Functions:

  • Assists in documenting and disseminating legal, regulatory and corporate policy requirements to department heads on a broad spectrum of topics including, but not limited to agency knowledge in CFPB, FTC and or FRB (etc.); and regulation knowledge in FDCPA, GLBA, UDAAP, FCRA and FACTA, Identity Theft, Global Privacy, BSA/AML/OFAC, ECOA (Reg B), TILA (Reg Z), FTC Credit Rules, E-Sign (etc.).
  • Working knowledge of the above policies and regulations. 
  • Responsible for staying abreast of regulatory issues and developments, evaluating impact on applicable exam, collaborating with the Consumer Compliance Manager on implementation and risk mitigation efforts.
  • Examination of derivatives, asset liability management, Basel II & Basel III preferred.
  • Works with management to determine scope and examination techniques required to assess the area of compliance.
  • Contacts business management to identify areas needing review and to arrange examination steps and timetable.
  • Reviews a variety of documentation, examines methods and systems, and interviews personnel to obtain information on actual practice.
  • Compares practice with regulatory and internal requirements to identify variances.
  • Determines areas where corrective action is required.
  • Aids in preparation of written reports on examination findings and recommendations.
  • Performs compliance examinations independently, as needed, or in conjunction with variously assigned personnel, occasionally acting in a lead capacity.
  • Prepares and presents conclusions and recommendations to management.
  • Stays current on company policy and regulations impacting company business.
  • Revises regulatory policies and procedures with appropriate testing to ensure compliance across all business units.
  • Works with business units to ensure accurate and timely implementation of corrective actions.
  • Develops supplemental compliance training materials as needed for new and existing items.
  • Communicates findings/concerns, both verbally and in writing, to management.

Other Functions:

  • Special projects as requested including internal investigations and consultancy work.
  • Performs other duties as assigned.


  • Bachelor’s degree from an accredited university; a equivalent combination of experience and education will be considered.
  • Consumer and/or regulatory compliance experience with a minimum of four (4) to six (6) years working in a role/department as a compliance consultant in legal, compliance, examination or audit, preferably within auto finance or within a subsidiary of Banco Santander.
  • Bilingual in Spanish a plus.
  • Experience in examination of derivatives, asset liability management, Basel II & Basel III preferred.
  • Some degree of knowledge regarding the following regulations:  FDCPA, GLBA, UDAAP, FCRA and FACTA, Global Privacy, BSA/AML/OFAC, ECOA (Reg B), TILA (Reg Z), FTC Credit Rules, E-Sign.
  • Experience in examination of derivatives, asset liability management, Basel II & Basel III preferred.
  • Experience in business process analysis a plus.
  • Ability to travel.
  • Ability to maintain confidentiality.
  • Proficiency in basic computer applications (MS Office, VISIO).
  • Organizational and problem solving skills with a strong attention to detail.
  • Demonstrated proficiency in meeting established deadlines.
  • Experience working on multiple concurrent projects and under tight deadlines.
  • Must demonstrate the ability to work well with people from many different disciplines with varying degrees of knowledge.
  • Solid understanding of business practices.

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.
  • Corporate / satellite office role.

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.