Support the Santander Consumer (SC) Manager, Business Control and Risk Management in ensuring that first line of defense (FLOD) Regulatory Oversight and Exam Management function is appropriately engaged with aligned Business Partners, well executed, and remains aligned to SHUSA Policies and Standards.

This position will be aligned to a Functional Control Office team within the SC Operations Group. Under the direction and leadership of the Manager, Business Control and Risk Management aligned to that function, this individual is responsible for ensuring appropriate engagement with Business Partners so the control framework is effectively executed and continuously enhanced to minimize impacts from all risks (e.g. Regulatory, Legal Customer, Financial, and Reputational).

This position’s focus is:

• Execute specific activities and support leadership in the execution of the Regulatory Oversight and Exam Management framework for Operations.
• Ensuring end-to-end process reviews are conducted prior to all scheduled examinations (internal and external) with the specific purpose of identifying process and control gaps.
• While this position is an individual contributor, each Sr. Analyst must partner with other Functional Control associates to ensure a consistent FLoD approach.
• Moderate knowledge of the RCSA framework and testing results as the foundation for exam preparation.

• Writing concise and professional regulatory responses based on content provided by business process owners.

Job Family: Risk

Monitors activities to minimize the company’s exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company’s activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.

Job Function: Business Control

Ensures transparency of business results, finance and processes. Typically organizes a reporting system and tracks goals accomplishment, collect and process data and provides managers with all necessary company management data and information.

Summary of Responsibilities:

The Sr. Analyst, Business Control & Risk Management is responsible for various activities related to risk management performance. Works to identify, assess and action various risks throughout the assigned business line by executing defined risk programs. The Sr. Analyst is responsible for developing, analyzing, reporting and challenging data. S/he participates in initiatives and recommends opportunities for improved efficiency, effectiveness and/or risk reduction.

Essential Functions:

  • Delivery of results
    • Performs assigned work with proficiency.
    • Produces documentation to required standards and within timescales set by First and Second Line of Defense requirements.
    • Compiles analysis and trending data for pre-exam testing/reviews into themed issues that can be easily digested and “managed up” by Business Controls leadership.
    • Assists other team members in completing their work, especially if excess bandwidth exists.
  • Communication
    • Executes process review framework and discusses risks & controls with the Business & FCO.
    • Discusses and validates findings with the Business & Leadership.
  • Planning & Organizing
    • Leverages the RCSA Program and testing results as the baseline for pre-exam activities.
    • Updates progress against business action drivers and mitigating actions related to regulatory key matters to identify areas of concern.
    • Updates documentation throughout the Issue Management life cycle.
    • Evaluates evidence and artifacts for assigned items and fill in gaps as they are seen to assist and facilitate the completion of the team’s work.
  • People
  • Establishes, develops, and maintains appropriate and viable interpersonal relationships working as part of the Functional Control Oversight team.
  • Promotes the professional image of the Functional Control Oversight group through the practice of being beyond reproach in all areas of outward visibility when dealing with internal and external examiners/personnel.
  • Problem Solving
    • Identifies control weaknesses and develops recommendations that remediate them, while adding value to the business area by increasing efficiency and/or economy where appropriate.
    • Possesses the ability to identify preventive solutions to problems.
    • Shares knowledge with team members, counterparts, and peers to facilitate the enhancement of all aspects of the team.

Other Functions:

  • Other duties as assigned.


  • Education –
    • Bachelor’s Degree
    • or equivalent work experience
  • Experience –
    • Three to Five years of Business Controls, Risk Management, Quality, Compliance or related experience
  • Skills & Abilities –
    • Developing knowledge of relevant regulatory compliance, industry regulations and regulatory data sources required.
    • Knowledge and working understanding of additional auditing standards, theories, concepts, and terms (including Sarbanes-Oxley, COBIT and the COSO Integrated Control Framework).
    • Issue management experience (validation, mapping to controls, remediation planning, tracking and reporting).
    • Knowledge and experience with IT risk management and use of control frameworks.
    • Control testing experience.
    • Operational Risk Management Experience.
    • Experience working with metric stream.
    • Experience in gap or risk analysis.
    • Strong collaboration and relationship management skills.
    • Control mindset.
    • High sense of urgency with ability to drive results.
    • Demonstrable evidence of stakeholder management.
    • Effective multi-tasking and prioritization skills.
    • Self starter, able to establish relationships and transcend multiple cross-functional/divisional boundaries, largely unaided.
    • Ability to handle diverse workload and tight schedules.
    • Strong risk assessment, negotiation and problem resolution skills.
    • Ability to lead and drive change.
    • Excellent verbal and written communication/presentation skills.
    • Solid understanding of GAAP.
    • Strong interpersonal skills and positive attitude.
    • Effective written and verbal communication skills.
    • Solid time management and organizational skills.
    • Attention to detail and a strong work ethic.
    • Ability to intrpret and analyze data with advanced reasoning and analysis skills.


  • Collaboration – Relationship Management:
    • Proficient – Applying and Executing
      • Knows who to reach out to inside and outside of one’s team to get work done
      • Takes action to enhance working relationships needed to achieve seamless work flow

  • Collaboration – Teamwork:
    • Proficient – Applying and Executing
      • Creates a good working environment in the team; works towards shared goals contributing ideas and accepting change
      • Provides assistance and coaches less experienced team members

  • Execution – Accountability:
    • Proficient – Applying and Executing
      • Follows through to meet commitments to others
      • Takes responsibility for achieving strong results, despite balancing multiple complex demands

  • Influence – Information Sharing:
    • Proficient – Applying and Executing
      • Uses information and data effectively to support a position and present a rational case

  • Influence – Two-way communication:
    • Proficient – Applying and Executing
      • Communicates in a timely and straightforward manner
      • Probes for additional information, clarifies assumptions and confirms agreed-upon actions
      • Keeps everyone involved informed about progress and issues

  • Risk Business Acumen – Industry Acumen:
    • Proficient – Applying and Executing
      • Stays current with industry and regulatory trends and emerging risk issues
      • Has good understanding of current market and competitive landscape that the organization operates within

  • Risk Management – Knowledge of Risk Management Policies, Regulations, Processes and Procedures:
    • Proficient – Applying and Executing
      • Executes risk management process and procedures without management direction, and demonstrates awareness of expected results
      • Knows the relationship and impact of actions and results
      • Has an understanding of regulations impacting area supported

  • Risk Management – Risk and Compliance Adherence:
    • Proficient – Applying and Executing
      • Communicates the importance and benefits of risk management to counterparts
      • Displays natural skepticism and curiosity to question the status quo and uncover issues
      • Adheres to a good root cause analysis process

Working Conditions:

  • Frequently: Minimal physical effort such as sitting, standing, and walking.
  • Occasional moving and lifting of equipment and furniture is required to support onsite and offsite meeting setup and teardown.
  • Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

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.