Senior Associate – Capital Planning and Treasury

Senior Associate – Capital Planning and Treasury

Country: United States of America

It Starts Here:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.  This is more than a strategic shift.  It’s a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The Senior Associate will be a part of the Capital Planning and Stress Testing team within Treasury.  The central function of the team is to ensure the bank remains adequately capitalized under both business-as-usual and stress conditions. This role will support the development and execution of enterprise-wide financial forecasting, stress testing, capital planning, and regulatory reporting processes. This is a high-visibility role with exposure to senior leadership and cross-functional teams across all lines of business.

• Support the end-to-end capital planning process, including scenario design, forecasting of capital and risk-weighted assets (RWAs), and assessing impacts under various economic conditions

• Analyze and interpret bank financial statements to model balance sheet and income statement impacts for capital stress testing

• Collaborate with business units and risk partners to gather inputs and assumptions for stress testing models and other forecasting methodologies

• Develop and maintain thorough model and/or process documentation to support forecasting methodologies, assumptions, and governance requirements

• Ensure accurate and timely data aggregation, transformation, and reporting across capital and RWA components

• Develop, maintain and improve Excel-based models and templates used for capital projections and regulatory reporting

• Support the preparation of materials for senior management and regulatory stakeholders (e.g., FR Y-14A, CCAR, ad-hoc regulatory requests)

• Assist in ongoing enhancements of stress testing and capital planning infrastructure and governance

• Participate in the implementation and use of automation tools and reporting dashboards to enhance insight and efficiency

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Bachelor's Degree or equivalent work experience: Bachelor’s or advanced degree in Finance, Economics, Accounting, or a related quantitative field . - Required.

9+ Years experience in banking, capital planning, financial planning, accounting, or financial analysis - Required.

• Deep understanding of bank financial statements and key regulatory capital concepts (e.g., Capital, Capital Planning, RWA methodologies)

• Strong analytical skills with a demonstrated ability to interpret financial data and translate it into actionable insights

• Advanced Excel skills, including the ability to build and understand financial models and use advanced formulas

• Exceptional attention to detail, commitment to accuracy, and organizational skills

• Strong verbal and written communication skills in interacting with internal stakeholders

• Detail oriented with ability to research, organize and analyze financial data.

• Familiarity with Vena (Excel-based performance management software), Python and/or SaaS programming, Hyperion, FR Y14-A reporting, and/or working knowledge of Power BI preferred but not required

Certifications:
CFA - Preferred

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.

• Experience in Microsoft Office products.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range:

Minimum:

$105,000.00 USD

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