The Difference You Make:

The Capital Risk function is responsible for identifying and assessing the exposure of Santander US capital to specific events or the combination of circumstances that may impact on its position or the quality of its assets. The capital risk management oversight team reports to the Chief Treasury Risk Officer. The capital risk function ensures that capital management decisions are consistent with Santander capital policy guidelines, risk profile and appetite, preserve Santander US capital adequacy, contributes on meeting its regulatory requirements. As an independent function from management, the capital risk function escalates to senior management any capital issue or deficiency, and review and challenge the management decisions associated with Capital, including strategic planning and budget, stress testing, and capital initiatives and significant risk transfer activities.

The capital risk function works in coordination with Global headquarters, and periodically interacts with the capital management team, corporate treasury, business lines, internal auditors, among other stakeholders, providing an active support of capital management activities throughout a collaborative and proactive independent risk assessment and oversight.

This role is responsible for overseeing the analysis, validation, and reporting of regulatory capital metrics to ensure accuracy, compliance, and effective risk management. The Associate of Capital Risk is responsible for monitoring the capital risk metrics trends, attest accuracy of capital risk metrics, assesses the impact of regulatory changes, and reviews risk-weighted asset calculations under US GAAP and IFRS standards. It supports the review and challenge of capital planning, stress testing, and regulatory reporting processes by analyzing complex data, assessing implementation of methodologies and assumptions, and documenting key findings. The role also manages issue escalation related to capital risks, prepares reporting for senior management and governance committees, and contributes to regulatory examinations, audits, and remediation initiatives.

Analyze trends and performance of capital metrics, identify key drivers of changes, assess material impacts, and monitor management or mitigation actions.

Evaluate the impact of new or proposed regulatory rules on capital requirements, including changes to existing regulations.

Review and attest regulatory capital and risk-weighted asset (RWA) calculations under US GAAP and IFRS, assessing key differences and performing validation testing to ensure accuracy.

Interpret complex capital data and reports to identify drivers of variation and confirm the integrity and reliability of reported results.

Prepare comprehensive reports to support the review and challenge of regulatory capital processes, including methodologies, assumptions, inputs, outputs, and related business decisions.

Utilize advanced data and analytical tools to extract, analyze, and synthesize market and internal data for capital measurement, ensuring output quality and effectively communicating findings.

Document review and challenge sessions related to capital planning, capital policies, and stress testing activities.

Maintain issue logs and monitor events requiring escalation related to capital risk deficiencies or findings.

Produce regular and ad hoc reporting for Global Headquarters, senior management, and governance committees.

Support regulatory examinations, internal audits, remediation initiatives, and ongoing capital-related projects.

Oversee the capital risk escalation and issue management framework.

What You Bring:

Bachelor’s degree in economics, finance, risk management, or a related field.

5+ years of experience in a capital management, market risk or credit risk areas.

Experience with capital regulatory reporting is a plus.

Knowledge of Basel capital rules and US capital regulation is ideal.

Proficiency in basic software packages, including MS Office, databases (Access database, SQL Server, Oracle), and presentations.

Basic to advance knowledge in a programming language (Python, R, MATLAB, SAS, others). Excellent presentation, interpersonal, written and verbal communication skills.

Ability to independently operate with and adapt to a dynamic and evolving environment Ability to manage multiple priorities, accommodating to business dynamics needs.

Initiative in developing efficient analytical solutions.

Ability to analyze and interpret complex data related to capital metrics and reports to identify drivers of variations and determine accuracy of reporting outcomes.

Strong verbal and written communication skills.

Certifications:
No Certifications listed for this job.

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.