Vil du være med til at opbygge fremtidens bank i Norden?

As Due Diligence specialist you have a critical role in helping Santander Consumer Bank to truly know its customers and the risks it is exposed to at any given moment. Santander recognizes its responsibility to prevent AML & Fraud activities in order to protect its shareholders, customers, partners, employees, and reputation. Key to making this happen is a Due Diligence Specialist.

Due Diligence Specialists report to the Fraud & Due Diligence Team Leader and will closely collaborate with business units involved in execution of customer on-boarding and off-boarding, to ensure it is done according to the regulatory standards and in line with internal rules and procedures.

The main responsibility as a Due Diligence Specialist is assisting on all questions related onboarding of customers and partners, to ensure continuous review of customers and the ongoing due diligence of existing customer and partner portfolios. This needs to be performed according to the regulatory standards and defined internal policies.

The role requires to support in training of the first line staff and providing input and feedback for Operations and Commercial teams.

A Due Diligence specialist will perform extended analysis and provide recommendations on customers and partners flagged by AMLO and the specialist will have customer contact.

Areas of responsibility

• Periodic updating of customer records, through information gathering and control.
• Assisting senior specialists with the creation of risk assessments
• Control for quality assurance of all received and required documentation based on bank and regulatory requirements
• Extensive cooperation with Customer Service, Quality and Complaints, and customer onboarding specialists
• Written customer contact and gathering of customer information for further follow-up, with focus on KYC and Ongoing Customer Due Diligence
• On Fraud specific tasks handle these daily and/or being back-up in case of this is needed.

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Do you want to work with funding in one of Europe’s largest banks?

The Financial Management Department in Santander Consumer Bank AS (SCB), headed by the Nordic CFO, is responsible for ensuring sufficient funding, capital, and liquidity for the bank at Nordic level. The department consists of five teams, which are all located at Lysaker in Oslo: Secured Funding, Unsecured Funding, Capital Management, Treasury and Customer Deposits. We are currently looking for a Capital Markets Analyst/Senior Analyst (depending on experience). The position represents a unique opportunity to gain experience within funding and capital markets in one of the largest banks in Europe.

The Capital Markets Analyst/Senior Analyst plays an important role by contributing to the execution of unsecured funding activities and rating process for SCB.

SCB’s unsecured funding mix includes both long and short-term funding, across all four Nordic markets (EUR, SEK, NOK, DKK) and internal capital transactions with Santander Group in Spain. The candidate will help managing the numerous of banking relationships, and to drive new and existing funding initiatives. In addition, the candidate will be responsible for maintaining and updating funding programs such as the Bank’s EMTN programme, supporting Green Bond documentation, Internal Loan Agreements, Commercial Paper Programme etc.

SCB’s rating process requires to a high degree planning- and communication skills, it consists of internal and external meetings with executive management and rating agencies, creation of company presentations etc.

The candidate will contribute to new initiatives, ranging from finding new lending partners/markets, launching and maintaining new products (Green Bonds, Tier 3/MREL issuances, Commercial papers etc.), and supporting with internal macroeconomic reports and presentations.

Deal execution and documentation

• Contribute to the execution of funding activities (internal and external) and associated derivatives
• Coordinate both internal and external projects, with focus on time management and quality of deliverables
• Maintenance of funding programmes and loan documentation
• Creation of investor presentations and participate in investor & bank meetings

Rating

• Ensure strong and solid dialogue with rating agencies
• Contribute to the planning and coordination of SCB’s annual rating agency meetings

Other initiatives

• Provide bond market updates and pricing updates to relevant teams across the organisation
• Macro reports and presentations
• Manage investor relations website and front office system (MUREX)
• Ensure processes are fully controlled start to finish, including legal documentation, notification on the stock exchange, and implementation into the front system
• Ensure good collaboration and coordination with other departments such as Treasury, Secured Funding, Market Risk and counterparts in Madrid etc.

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Do you enjoy working with data, have an analytical mindset and are interested in collaborating in an international team towards excellence in risk reporting using IFRS9 (loan losses), this job is a must see!

The Risk Management Information analyst is a role in the Enterprise Risk Management department. You will be working in a vital area of Santander´s risk strategy where your daily job will involve collaboration across the different departments inside Risk as well as with other functions outside Risk, such as Finance, Collections, IT and HQ (among others).

You will be part of a friendly, collaborative and supportive team where your area of responsibility will include extracting and working with data, analysing, and reporting: month close, consolidation, budgeting and forecasting across the Nordic countries.

Data will be a key part of your work as it is an essential part of all risk processes to identify, measure and mitigate risks inherent to our core business activities.

Main activities

• Ownership and delivery of Nordic risk reporting, analytics and consolidation: period closing, forecasting and budgeting processes (monthly, quarterly, annually).
• Data analytics and use of BI tools for reporting automation.
• Preparation and performance of ad hoc analysis for reporting to relevant stakeholders, including management, HQ and auditors.
• Developing common, documented, best practice ways of working for closing and forecasting processes.
• Solving delivery and sourcing challenges in a common way and working with teams to build on the future common data infrastructure.
• Working together with Risk and Business Units regarding IFRS9 loan losses and ad hoc projects.

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As Senior UX/UI Designer you will be part of cross-functional teams, delivering on Santander Nordic Digital Distribution strategy and optimizing the digital customer and partner experience (web and apps), based on customer and partner insights in Norway, Sweden, Finland and Denmark.

In this role, you are responsible for a user-centered design process – covering exploratory research, definition of impact goals, concept design, prototyping, visual design and follow-up of impact goals. Together with colleagues, you will be developing new digital platforms and enhancing existing platforms.
You are an important link between our customers, partners, stakeholders, and developers – cooperating daily with cross-functional (SAFE) teams to translate product demands to user flows and concepts.

Example of activities :

• Support the Product Owner in translating user needs into practical next step UX/UI-requirements
• Ensure that design, terminology and tone of voice are in line with customer requirements, policies and regulations
• Drive long-term change and communicate common vision goals.
• Maintain and update the design system to ensure speed and consistency across all digital channels
• An advocate for good and user-centric design
• Collaborate with Santander Global UX-community

Skills

• Knowledge of entire user-centered design process, including exploratory research, definition of impact goals, concept design, prototyping, visual design, and follow-up
• Knowledge in developing and working with design systems, with the ability to design holistically while also considering details
• Strong UX and UI and visual design skills
• Skilled in Figma
• Strong communication skills
• Professional English skills
• Ability to work independently as well as collaborate in teams
• Ability to make design decisions and feel confident in arguing for those

Experience

• 4+ years of experience in design after completed education
• Experience from hybrid way of working, remote and on-location
• Extensive experience in user-centered design process
• Experience in developing App/Webb applications such as Online Banking solutions for example.
• Experience in agile ways of working
• Experience in banking sector and of Nordic organizations

Personal characteristics

• Structured and methodical with focus on customer needs and customer experience
• Curious, driven and interested in identifying actions for improvements in both short and long term
• Committed to do delivering quality work on time
• Team player, flexible with a can-do attitude

Education

• BA or MA degree in Art, Design, HCI or a related field

We offer

• An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing
• A corporate culture that is professional and dynamic, yet informal. Bureaucracy is kept to a minimum, as we expect our skilled employees to make long lasting and impactful decisions to shape our future
• Highly competent, dedicated, and friendly co-workers with strong collaboration across the Nordics

This position can be located in any of our Nordic locations in Lysaker, Hvidovre, Solna or Helsinki.

Interested?

If you have the right profile and enthusiasm, please submit your application and CV as soon as possible. Candidates are considered at ongoing basic and the add will be removed when right candidate is found.

If any questions feel free to contact Head of Digital & Consumer Business Development, Tobias Gustafsson Niska.

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Vi söker medarbetare i sommar till Back office & Disbursement!

Teamet består av två delar; Partner & Dealer och Business Support och vi behöver kollegor under sommaren till båda grupperna från maj/juni t o m 31 augusti.

De uppgifter som huvudsakligen ska utföras är administration samt en del telefonservice.

Uppgifter:

Huvudprocess Partner & Dealer:
I Partner & Dealer sköter man utbetalningar av billån.

• Daglig kontakt med bilhandlare och partners för Auto (telefontjänst)
• Hantering och kontroll av återförsäljaravtal till bilhandlare och avtal på privatlån
• Hantering av utbetalningar till återförsäljare
• Hantering av övrig e-post från kunder och återförsäljare
• Övrig förekommande administration

Huvudprocess Business Support:
I Business Support sköter man utbetalningar av privatlån.

• Scanna document/posthantering
• BBA/Kontroll av bankkontonummer gentemot andra banker
• Salesforce/Ärendehanteringssystem
• Autogiro
• Plockfakturor
• Övrig förekommande administration

Även andra ad hoc-uppgifter i Back Office kan förekomma.

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Leasingteamet hanterar kontakt med slutkunder, återförsäljare och parners via telefon och mail samt administration gällande Finansiell Leasing coh Privatleasing av bilar.

_Vi söker nu en handläggare för en visstidsanställning t o m 31 oktober 2023. _

I rollen ingår :

• Främst Telefon- och mailsupport till slutkunder, återförsäljare och partners gällande Privatleasing samt Finansiell Leasing - från uppstart till avslut.
• Övrig administration såsom hantering av försäkringsärenden, service, överlåtelser samt rapportering mm.

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The Data & Analytics team is providing data and insights from the biggest function of the bank – Operations. With handling applications, disbursements, sales activities, customer & partner contacts and various back-office tasks, the amount of data in OPS is massive and we need reinforcement to build upon it.

You will be part of a team of four OPS Analysts that are building data & reports into PowerBI. The team works by utilizing Agile principles and having a Nordic perspective with stakeholders in Denmark, Finland, Norway, and Sweden. The team also provides insights, analysis and forecasting based on the facts & figures.

Our Ops Analyst team is rather new – we have only existed two years - so you have a great chance to affect our ways of working and maturing our team further. In addition to running the Data & Analysis “data center” with your colleagues, you will be collaborating with Data management, Commercial, IT and other stakeholders as well as presenting reports and insights to leaders. The work also includes training the end users and sharing knowledge on how to utilize the reports in the most optimal way. Therefore, you will succeed with having great communication skills and readiness to present your work in various forums.

Main tasks and responsibilities

• Support stakeholders in Operations in decision making with data driven insights and proactively suggest business improvements
• Work on reduction, standardization, and automation of recurring reporting
• Enable self service reporting, mainly based on PowerBI Cloud
• Execute reporting requirements in a timely and accurate manner
• Ensure aligned and clarified definitions
• Collaborate & communicate actively across teams and functions
• Supporting Operations with forecasting, including impact and initiative analysis based on data insights
• Document the data & reports and ensure quality with controls
• Run training and knowledge sharing across Operations

Skills & Requirements

• Experience from working with SQL and PowerBI
• Knowledge within area of responsibility & financial industry
• Knowledge of Data warehouse and Python seen as beneficial
• University degree (bachelor or master) within Finance, Economics, Engineering, Quantitative Methods or similar is preferred
• Fluent English in writing and speech
• Ability in one of the Nordic languages

What we offer

• An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing
• A corporate culture that is professional and dynamic, yet informal. Bureaucracy is kept to a minimum, as we expect our skilled employees to make long lasting and impactful decisions to shape our future
• Highly competent, dedicated, and friendly co-workers with strong collaboration across the Nordics

This position can be in any of our Nordic locations in Helsinki, Hvidovre, Solna or Lysaker.

If you got intrigued by this position and you have the right profile and mindset, please send your application and CV via the link. Applications are considered on an ongoing basis. If you have any questions about the position, you can contact Philip Aarup, Team Leader of OPS Data & Analytics

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Har du ett starkt intresse för kundrelationer och trivs med kundkontakt? Vill du arbeta i ett team som har gemensamma målsättningar och där vi möter framgångar och motgångar tillsammans?

I rollen som kundservicemedarbetare arbetar du med inkommande samtal från bankens både befintliga och potentiella kunder. Din arbetsuppgift är att hitta rätt lösning till kunden och du administrerar sedan ärendena i våra olika system. Du ingår i ett team med en närvarande teamledare som motiverar dig och ger dig stöd i arbetet.

Arbetsuppgifter

Som kundservicemedarbetare kommer du;

Via telefon ta emot samtal från både nya och befintliga kunder för frågor kring våra produkter

Vid inkommande samtal erbjuda både nya och befintliga kunder tilläggstjänster och informera om hela bankens produktportfölj

För att trivas i rollen är du försäljnings- och resultatinriktad och du tycker om att supportera och hjälpa andra i ditt arbete. Du är självgående och har lätt för att driva ditt arbete framåt och gör det med hög kvalité. Då rollen innebär uteslutande både intern och extern kontakt är du social och har god kommunikativ förmåga. För att lyckas i rollen är du målinriktad och motiveras av att prestera högt.

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The Auto Analytics team are responsible for utilizing relevant data and developing strategies and models that not only bring clear and intuitive insights to relevant stakeholders, but transform these insights into business value in terms of higher income, lower cost, and/or higher customer satisfaction.

The team work on data driven analytics in a wide range of areas, like customer satisfaction, CRM, customer lifetime value, pricing & profitability, reporting and KPIs. In this position you are expected to focus on automation and increased efficiency in our processes by implementing simple and controlled solutions and strategies in the daily business.

The team is having strong collaboration and well established relations with Commercial, Management control and other key functions. We have a strong business mindset and the ability to translate data insights to business opportunities in dialogue with senior management. We are a team with great exposure within the organization and must say that we have a genuine interest of the vehicle -and leisure industry.

Main task and responsibilities

As senior analyst you will have main focus on one country, but should also expect to work cross-Nordic.

You will take responsibility for coordination and project management tasks on cross-functional initiatives founded on data driven insights, which include:

• Involving different business experts at the right time
• Ensure that stakeholders understand the big picture and pursue common objectives as a team
• Ensuring action is taken based on the insights delivered – deploy changes and coordination with other functions
• Support the commercial department with key data to improve insight

Over time Your responsibility also include:

• Support optimization of CRM &TCM through analytics & models
• Structure and conduct tests, optimize campaign efficiency, analyze and evaluate results
• Advise and drive deep dive activities to increase insights around target areas.
• Create and deploy segmentation models
• Opportunity to explore advanced analysis such as deploying machine learning models
• Work on reduction, standardization and automation of recurring reporting
• Enable self service reporting, mainly based on Power BI Cloud
• Ensure timely deliver of and easy access to reports and insights to relevant stakeholders
• Qualitative: monitoring, business cases, product/business development etc.
• Leverage internal & external input and facilitate internal best practise sharing
• Work towards harmonization data definitions and logic across functions
• Work to optimize customer lifetime value through data driven insights
• Support forecast & budget processes with data-driven insights
• Proactively highlight business opportunities & risks based on data driven insights together with recommended actions

What will it take to succeed?

• Requires ability to act on unclear tasks and independently drive projects without best practices or guidelines
• Requires some negotiation skills and ability to communicate and interact with senior leadership in the company
• Need to be collaborative but also questioning and challenging, persistent and with great integrity.

Competencies and Skills

• Solid business understanding (financials, product dynamics, market knowledge)
• Strong practical knowledge from building, implementing and using advanced models
• Knowledge in handling large data sets
• Excellent analytical/numerical skills and ability to identify root causes
• Excellent analytical programming competence (SAS, SQL, Python (beneficial))
• Experience from using/developing in Power BI is beneficial

• Strong communication and presentation skills

• Ability to coordinate and take the lead in projects & initiatives

• Excellent in English, Danish is beneficial

You have 3+ years of relevant experience in the field of data and analytics - but aspiring and ambitious professionals with less experience are encouraged to apply. Experience in one or more of these fields: CRM Analytics & Customer Insights, Reporting, Pricing & Profitability, Portfolio Analytics. You have a graduate degree in Finance, Mathematics, Engineering, Quantitative Methods or similar.

What we offer

• Generous mandate to identify and drive changes and improvement opportunities based on data and analysis
• Opportunity to influence and drive the strategic work in close collaboration with senior leadership
• Opportunity to build a large network within various departments
• Great exposure in the business
• Alternating tasks, always new challenges and opportunities
• An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing
• A corporate culture that is professional and dynamic, yet informal. Bureaucracy is kept to a minimum, as we expect our skilled employees make long lasting and impactful decisions to shape our future.

Interested? If you have the right profile and enthusiasm, please submit your application and CV as soon as possible. Applications are considered on an ongoing basis.

If any questions feel free to contact Auto Analytics Leader, Anna Lövkrona.

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We are looking for a Process student Assistant 12-15 hours a week. In this position you will have a strong role helping the business map and updating processes within Operations.

The Process student Assistant will report to Head of Fraud, Due Diligence & Complaints.

Process documentation and mapping:

The task is to establish a strong process overview in Azure with help from the process owner and this will happen in close collaboration with Operations Management.

Execution is your responsibility but input on processes is to happen in close collaborations with Local Team leaders for all 4 countries to ensure that processes are mapped.

On medium term (+12 month) you are to come up with a suggestion, based on your own experience and learning, how to be embedded in the organization. Still to anticipate that you are to have a degree of hands on and be a doer but with more focus on ensure quality, improvements, and coaching.

In general:

The role requires to support process owners and quality endure that the mapping is correct and in line with policies for the bank. Also, it´s to interview FLA´s and help process owners in the set-up and in how to use the adhering systems.

We hope, that by having the overview, you will come up with/suggest through in-sight areas for improvements, optimization, and harmonization’s that both drive resilience and efficiencies.

Areas of responsibility

• Actively advise and support on all questions related to Process mapping in Azure
• Map relevant workflows and document in Azure
• Support training and knowledge sharing in Azure

Experience

• Understanding and working experience within Azure
• Ability to communicate and pass on knowledge to colleagues
• Experience from the financial industry

Competence:

• Possess analytical mindset
• Excellent interpersonal and communication skills (written, verbal, presentation)
• Comfortable and quick to learn and use multiple systems simultaneously
• Solid in written and spoken English.

Personal characteristics

• Organized, structured, result oriented and collaborative
• Attention to detail as well as the ability to see the bigger picture and connect the dots
• Highly independent, self-driven, innovative and curious
• Ability to identify gaps and inefficiencies in process and suggest an action plan to address the issues
• Comfortable to work in a fast-paced environment
• Motivate, inspire, and energize your surroundings
• Structured and a doer
• Transparent, open, and honest

We offer

• A corporate culture that is professional and dynamic, yet informal
• An excellent team with highly competent, dedicated, and friendly co-workers

We are conducting ongoing interviews and the job ad will be closed when the right candidates are selected.

For more information about the position, contact team colleague Zahra Alebady.

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We are looking for a Process student Assistant 12-15 hours a week. In this position you will have a strong role helping the business map and updating processes within Operations.

The Process student Assistant will report to Head of Fraud, Due Diligence & Complaints.

Process documentation and mapping:

The task is to establish a strong process overview in Azure with help from the process owner and this will happen in close collaboration with Operations Management.

Execution is your responsibility but input on processes is to happen in close collaborations with Local Team leaders for all 4 countries to ensure that processes are mapped.

On medium term (+12 month) you are to come up with a suggestion, based on your own experience and learning, how to be embedded in the organization. Still to anticipate that you are to have a degree of hands on and be a doer but with more focus on ensure quality, improvements, and coaching.

In general:

The role requires to support process owners and quality endure that the mapping is correct and in line with policies for the bank. Also, it´s to interview FLA´s and help process owners in the set-up and in how to use the adhering systems.

We hope, that by having the overview, you will come up with/suggest through in-sight areas for improvements, optimization, and harmonization’s that both drive resilience and efficiencies.

Areas of responsibility

• Actively advise and support on all questions related to Process mapping in Azure
• Map relevant workflows and document in Azure
• Support training and knowledge sharing in Azure

Experience

• Understanding and working experience within Azure
• Ability to communicate and pass on knowledge to colleagues
• Experience from the financial industry

Competence:

• Possess analytical mindset
• Excellent interpersonal and communication skills (written, verbal, presentation)
• Comfortable and quick to learn and use multiple systems simultaneously
• Solid in written and spoken English.

Personal characteristics

• Organized, structured, result oriented and collaborative
• Attention to detail as well as the ability to see the bigger picture and connect the dots
• Highly independent, self-driven, innovative and curious
• Ability to identify gaps and inefficiencies in process and suggest an action plan to address the issues
• Comfortable to work in a fast-paced environment
• Motivate, inspire, and energize your surroundings
• Structured and a doer
• Transparent, open, and honest

We offer

• A corporate culture that is professional and dynamic, yet informal
• An excellent team with highly competent, dedicated, and friendly co-workers

We are conducting ongoing interviews and the job ad will be closed when the right candidates are selected.

For more information about the position, contact team colleague Zahra Alebady.

Læs mere og ansøg

We are looking for a Process student Assistant 12-15 hours a week. In this position you will have a strong role helping the business map and updating processes within Operations.

The Process student Assistant will report to Head of Fraud, Due Diligence & Complaints.

Process documentation and mapping:

The task is to establish a strong process overview in Azure with help from the process owner and this will happen in close collaboration with Operations Management.

Execution is your responsibility but input on processes is to happen in close collaborations with Local Team leaders for all 4 countries to ensure that processes are mapped.

On medium term (+12 month) you are to come up with a suggestion, based on your own experience and learning, how to be embedded in the organization. Still to anticipate that you are to have a degree of hands on and be a doer but with more focus on ensure quality, improvements, and coaching.

In general:

The role requires to support process owners and quality endure that the mapping is correct and in line with policies for the bank. Also, it´s to interview FLA´s and help process owners in the set-up and in how to use the adhering systems.

We hope, that by having the overview, you will come up with/suggest through in-sight areas for improvements, optimization, and harmonization’s that both drive resilience and efficiencies.

Areas of responsibility

• Actively advise and support on all questions related to Process mapping in Azure
• Map relevant workflows and document in Azure
• Support training and knowledge sharing in Azure

Experience

• Understanding and working experience within Azure
• Ability to communicate and pass on knowledge to colleagues
• Experience from the financial industry

Competence:

• Possess analytical mindset
• Excellent interpersonal and communication skills (written, verbal, presentation)
• Comfortable and quick to learn and use multiple systems simultaneously
• Solid in written and spoken English.

Personal characteristics

• Organized, structured, result oriented and collaborative
• Attention to detail as well as the ability to see the bigger picture and connect the dots
• Highly independent, self-driven, innovative and curious
• Ability to identify gaps and inefficiencies in process and suggest an action plan to address the issues
• Comfortable to work in a fast-paced environment
• Motivate, inspire, and energize your surroundings
• Structured and a doer
• Transparent, open, and honest

We offer

• A corporate culture that is professional and dynamic, yet informal
• An excellent team with highly competent, dedicated, and friendly co-workers

We are conducting ongoing interviews and the job ad will be closed when the right candidates are selected.

For more information about the position, contact team colleague Zahra Alebady.

Læs mere og ansøg

We are looking for a Process student Assistant 12-15 hours a week. In this position you will have a strong role helping the business map and updating processes within Operations.

The Process student Assistant will report to Head of Fraud, Due Diligence & Complaints.

Process documentation and mapping:

The task is to establish a strong process overview in Azure with help from the process owner and this will happen in close collaboration with Operations Management.

Execution is your responsibility but input on processes is to happen in close collaborations with Local Team leaders for all 4 countries to ensure that processes are mapped.

On medium term (+12 month) you are to come up with a suggestion, based on your own experience and learning, how to be embedded in the organization. Still to anticipate that you are to have a degree of hands on and be a doer but with more focus on ensure quality, improvements, and coaching.

In general:

The role requires to support process owners and quality endure that the mapping is correct and in line with policies for the bank. Also, it´s to interview FLA´s and help process owners in the set-up and in how to use the adhering systems.

We hope, that by having the overview, you will come up with/suggest through in-sight areas for improvements, optimization, and harmonization’s that both drive resilience and efficiencies.

Areas of responsibility

• Actively advise and support on all questions related to Process mapping in Azure
• Map relevant workflows and document in Azure
• Support training and knowledge sharing in Azure

Experience

• Understanding and working experience within Azure
• Ability to communicate and pass on knowledge to colleagues
• Experience from the financial industry

Competence:

• Possess analytical mindset
• Excellent interpersonal and communication skills (written, verbal, presentation)
• Comfortable and quick to learn and use multiple systems simultaneously
• Solid in written and spoken English.

Personal characteristics

• Organized, structured, result oriented and collaborative
• Attention to detail as well as the ability to see the bigger picture and connect the dots
• Highly independent, self-driven, innovative and curious
• Ability to identify gaps and inefficiencies in process and suggest an action plan to address the issues
• Comfortable to work in a fast-paced environment
• Motivate, inspire, and energize your surroundings
• Structured and a doer
• Transparent, open, and honest

We offer

• A corporate culture that is professional and dynamic, yet informal
• An excellent team with highly competent, dedicated, and friendly co-workers

We are conducting ongoing interviews and the job ad will be closed when the right candidates are selected.

For more information about the position, contact team colleague Zahra Alebady.

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As Due Diligence specialist you have a critical role in helping Santander Consumer Bank to truly know its customers and the risks it is exposed to at any given moment. Santander recognizes its responsibility to prevent AML & Fraud activities in order to protect its shareholders, customers, partners, employees, and reputation. Key to making this happen is a Due Diligence Specialist.

Due Diligence Specialists report to the Fraud & Due Diligence Team Leader and will closely collaborate with business units involved in execution of customer on-boarding and off-boarding, to ensure it is done according to the regulatory standards and in line with internal rules and procedures.

The main responsibility as a Due Diligence Specialist is assisting on all questions related onboarding of customers and partners, to ensure continuous review of customers and the ongoing due diligence of existing customer and partner portfolios. This needs to be performed according to the regulatory standards and defined internal policies.

The role requires to support in training of the first line staff and providing input and feedback for Operations and Commercial teams.

A Due Diligence specialist will perform extended analysis and provide recommendations on customers and partners flagged by AMLO and the specialist will have customer contact.

Areas of responsibility

• Periodic updating of customer records, through information gathering and control.
• Assisting senior specialists with the creation of risk assessments
• Control for quality assurance of all received and required documentation based on bank and regulatory requirements
• Extensive cooperation with Customer Service, Quality and Complaints, and customer onboarding specialists
• Written customer contact and gathering of customer information for further follow-up, with focus on KYC and Ongoing Customer Due Diligence
• On Fraud specific tasks handle these daily and/or being back-up in case of this is needed.

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The Fraud Analyst has a critical role in helping Santander Consumer Bank to fulfill its legal and regulatory obligations when it comes to Fraud activities but also has the responsibility to keep the Banks fraud losses down. The fraud losses have a direct impact on the Bank’s bottom-line costs. Santander recognizes its responsibility to reduce fraud across all products; improve product profitability through reducing fraud exposure and loss; and enhance shareholder, customer, and regulatory confidence.

The main responsibility of a Fraud Analyst is to investigate, review, prepare and handle cases whose decisions, with the support of laws, ordinances, regulations, etc., directly entail legal effects for an individual (legal or physical). Legal effect means a benefit, right, or obligation. They also convey knowledge in their own subject area, point out shortcomings and produce suggestions on how to prevent the shortcomings

During the process of investigating a fraud case, the Fraud Analyst will interact (both orally and written) with other financial institutions, external collections agencies, FSA, law enforcement, lawyers, etc. This requires excellent communication skills and knowledge, about fraud and within the legal area. The Fraud Analyst will also represent (witness) Santander Consumer Bank AS in court when it comes to fraud cases.

The extent of measures to prevent and detect Fraud is based on the definition of the risk of fraud in accordance with what is established in the Basel framework. The Fraud Team is the handler of financial crime risk on behalf of Business Areas, it is the first point of contact for the business regarding fraud matters and is responsible for the overview and coordination of fraud prevention processes in the Bank

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Har du lyst til å jobbe innen salg i Santander Consumer Bank?
Vi ser etter en person til å jobbe fast som kundekonsulent hos oss

• Besvare innkommende henvendelser via telefon og chat.
• Behandle skriftlig korrespondanse av e-post.
• Salg av bankens produkter.
• Jobbe aktivt for å oppnå individuelle mål, samt bidra til at avdelingen oppnår felles måltall.
• Bidra til vinnerkultur i teamet.
• Overholde bransjens lover, samt bankens interne rutiner og etiske.

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Nordic Compensation & Benefits Manager

At Santander we work at a high speed with many interesting initiatives among lovely colleagues. Now we have an open role as Nordic Compensation & Benefits Manager in our office at Lysaker, Norway. The Nordic Compensation & Benefits Manager has responsibility over Compensation & Benefits across the bank. The role has a critical role in helping the Bank to better manage compensation processes and ensure employees are treated fairly and processes are followed through analytics and insights.​

Santander Consumer Nordics is part of Banco Santander that have around 200 000 employees across the globe. You will have around 20 colleagues within HR in the Nordics. As a member of HR Operations team you will manage the strategic and analytical support around compensation for our employees across all functions in the Nordics. In addition to this the role is also overall responsible for HR Governance, HR policies and HQ remuneration processes. This demands close cooperation also with compensation team in HQ.​

Main responsibilities includes:​

• Area responsible for compensation & benefit in the bank and also HQ identified staff remuneration processes​

• Develop HR analytical capacity​

• Provide service to local HR teams​

• Workforce architecture, grading and benchmark​

• Process and stream-owner Workday Advanced compensation and Benefits​

• Remuneration and Nomination committee secretary

Main deliveries: ​

• Comply to HQ requirements and governance body​

• Implement advance compensation functionalities in Workday​

• Implement annual bonus process in Workday​

• Develop Analytical capacity​

• Harmonize local compensation & benefits structure​

• Develop common benefits platform​

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Santander Consumer Bank er en del af Europas største finanskoncern. Vi tilbyder en stilling i et spændende og udfordrende miljø med gode og dygtige kolleger. Der er tale om et job, der giver dig god mulighed for faglig og personlig udvikling i en dynamisk virksomhed.

Som Collection Specialist får du ansvaret for:

• Besvare kundernes henvendelser på mail og telefon
• Besvare henvendelser fra kunder, bilforhandlere, inkassobureauer, i alle kanaler
• Forberede sager til ekstern inkasso efter opsigelse
• Sikre udsendelse af rykker og opsigelser
• Behandling af dødsbo på lån og kreditter herunder krav anmeldelser
• Behandle spørgsmål fra samarbejdes partnere.
• Bestilling af dokumentation, eller trækning af dokumentation hos diverse instanser.
• Fremsendelse af originale sager til brug for retslig sagsbehandling hos partnere.
• Fremsende sager til Advokat
• Administrere sikring af køretøjer og andre værdier og besvare henvendelser herom

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Santander Consumer Bank søker engasjert og kompetent systemansvarlig til spennende og utfordrende fagmiljø innen anti-hvitvasking

Vi i Santander er stolt av å være en av de største og mest spennende finansinstitusjonene i Europa, og som selskap er vi fokusert på smidighet for å innovere. Vi tror på bærekraft, teambaserte måter å jobbe på og verdsetter mangfold.

Vi ser etter deg som er læringsvillig, selvstendig og fleksibel. Arbeid er en stor del av livet og det er derfor viktig for oss at arbeidet er både interessant og morsomt. Vi holder tritt med de nyeste teknologiene, verktøyene og mulighetene. Tilnærmingen vår er under stadig utvikling og hos oss får du være med å påvirke dette.

Som Systemansvarlig vil ditt hovedansvarsområde være å videreutvikle løsning for etablering og kontinuerlig risikoklassifisering av kunder i Norden med bruk av Trapets InstantWatch plattformen.

Du vil delta aktivt i bankens utviklingsaktiviteter og prosjekter, og ha ansvar for leveranser og løsningsdesign. En viktig oppgave vil være å holde i utviklingsplanen og veikartet for applikasjonene, i tett samarbeid med systemeiere i forretningen og leverandører.

Du bør trives med både administrative- og tekniske oppgaver og vil bidra sammen med teamet på alle deler av applikasjonsforvaltningen. Du bør derfor ha god teknisk forståelse og kjennskap til arkitektur, dataflyt, og feilsøking/analyse. Det er viktig å være en god relasjonsbygger, og evne å kommunisere tydelig for å skape trygghet og forståelse.

Dine ansvarsområder som Systemansvarlig:

• Ansvarlig for våre anti-hvitvaskingssystemer fra et teknisk perspektiv
• Primærkontakt mot vår forretning for tjenesteleveransen (drift, utvikling av ny funksjonalitet, risiko og compliance)
• Etablere og forvalte langsiktige planer for utvikling i samarbeid med forretning og arkitekter
• Oppfølging av relevante leverandører og partnere ift. SLA og utviklingsaktiviteter
• Delta aktivt i AML- og risikorelaterte initiativer og prosjekter

Som medarbeider i Santander får du:

• Et fantastisk godt arbeidsmiljø i en dynamisk og internasjonal organisasjon
• Varierte og utfordrende arbeidsoppgaver med høy grad av fleksibilitet og ansvar
• Store utviklingsmuligheter både lokalt og internasjonalt
• Konkurransedyktige lønnsvilkår, gode forsikrings- og pensjonsordninger
• Moderne lokaler på Lysaker med svært godt kollektivtilbud, gratis parkering og treningsfasiliteter

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We are looking for an Internal Communications Manager to join our Nordic team. This is a temp assignment covering a person on maternity leave up until June 2024.

The Internal Communications team is part of our COO function and operates in a dynamic and fast paced environment. Our drive is to be conscious of always develop and learn. The team handles and supports a wide range of activities, including regional employee engagement initiatives, internal content planning and execution in collaboration with business partners, and manages our Teams and Sharepoint platform for collaboration and communication.

The Internal Communications Manager, based in Hvidovre close to Copenhagen, will be part of a highly skilled and dedicated nordic team responsible for empowering our people with solid communication, and to provide high quality communications services tailored to our organization’s needs. Your colleagues in Internal Communication are based in Lysaker in Norway, Solna in Sweden and Helsinki in Finland.
The Internal Communications Manager reports to Internal Communications leader, located in Lysaker Norway.

Santander Consumer Bank is a Nordic bank. Cross functional and cross regional collaboration is a part of how we work and interact. Our company language is English, but the role requires absolute fluency in Danish, written and oral.

Do you have a passion searching for and communicating stories that connect and excite colleagues? Do you also have experience of how internal channels best can be used to drive engagement and empower your colleagues? Do you see this assignment as an opportunity to learn and develop yourself?

Continue reading and find out if you see yourself in the role..

You will work with a variety of tasks and initiatives and here are some examples:

• Strategic and tactical communication planning, leaders support, storytelling and copywriting, concept development, editing, video production and multimedia, creative thinking and execution – design and video production.

• Coordinate and host bank wide and location specific meetings/forums/networks/events.

• Modernize and simplify our channels to improve efficient communication, in Teams/SharePoint/Microsoft 365 and through our meeting structure/arenas.

• Drive or participate in internal initiatives together with stakeholders, global or Nordic (such as BeHealthy Week, Santander Week, Hacktober, RiskPro, Data Cleaning and more)

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Har du lyst til å jobbe innen salg i Santander Consumer Bank?
Vi ser etter deg som er student og ønsker å jobbe deltid i en 23% stilling. Det er også ønskelig at du kan jobbe utover din 23% stilling f.o.m uke 26 t.o.m uke 34 (sommervikar)

Hovedoppgaver:

• Besvare innkommende henvendelser via telefon og chat.
• Behandle skriftlig korrespondanse av e-post.
• Salg av bankens produkter.
• Jobbe aktivt for å oppnå individuelle mål, samt bidra til at avdelingen oppnår felles måltall.
• Bidra til vinnerkultur i teamet.
• Overholde bransjens lover, samt bankens interne rutiner og etiske.

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We are looking for a Quality & Complaints Specialist in the Due diligence, Fraud & Complaints Function.

You will be part of a Nordic team with 6 great colleagues.

Your tasks and areas of responsibility and deliveries:

• Complaint’s reporting, follow up on mitigating actions and execute on actions plans.

• GDPR breaches

• Execute/support training and knowledge sharing across Operations to ensure correct behavior ref. GDPR, Op Risk events and complaints

• Monitor adequate documentation of controls across operations (Heracles driven). Review adequate control evidence on a quarterly basis, either by delegation or through samples

• Participate in monthly coordinator meetings

• Support to Legal in Complaint Board cases and to OPS in relation to complex complaint cases.

• Follow-up on events in own function in cooperation with managers, action owners and others. Responsibility for mitigation of risks depends on what is decided in each function and BAU process

• Promote and assist work on internal controls for Nordic Operations

• Drive and ensure harmonization, efficiencies, and standardization through optimizations

• Deliver on personal and business goals

• Facilitate monthly Quality & Complaints Forum

Activities within the role:

Main process:

• Non-Financial Risk/Op Risk Events (Support Operations within ICM, BIA and RCSA)

• Reporting (internal and external)

Your qualifications and skills:

• Strong communicator and good team player

• Strong ability to execute

• Highly analytical and solution oriented

• Strong ability to understand complex issues

• Passionate about risks, controls, documentation, and structure

• Data driven and skilled within creating reports

• Proactive and solution driven attitude – love to succeed

• Motivate, inspire, and energize your surroundings

• Structured and a doer

• Transparent, open and honest

Qualifications and experience:

• Solid understanding and experience from financial/service industry

• Good understanding and knowledge of customer/partner journeys/processes

• Solid business understanding

• Ability to understand dependencies across the bank

• Ability to effectively train and covey messages to others

• Fluent in written and spoken Danish and solid in written and spoken English.

• Minimum two years experience within areas of responsibility

We offer

• An opportunity to work in a large, high-performing international company, in a dynamic environment that is constantly changing
• A corporate culture that is professional and dynamic, yet informal. Bureaucracy is kept to a minimum, as we expect our skilled employees to make long lasting and impactful decisions to shape our future
• Highly competent, dedicated, and friendly co-workers with strong collaboration across the Nordics

Are you interested?

If you have the right profile, will and enthusiasm, please send your application and CV via the link already today. Applicants are considered ongoing.

You are welcome to contact recruiting leader, Arja Pynnönen on tel. +358 503757454, if you have any questions about the position.

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