Jobba hos oss - Kom och bygg framtidens bank hos oss i Solna!

Vi lever vårt varumärke genom att ha en kultur som genomsyras av våra värdeord – Simple, Personal and Fair. De är nyckeln till hur vi blir det självklara valet för våra kunder och den bästa arbetsplatsen för våra anställda.

Några kollegor sitter i soffgrupp och pratar

Vill du bli en av oss?

Se våra lediga tjänster.
Due Diligence Specialist

Due Diligence Specialist - Santander Consumer Bank

A Due Diligence specialist has 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 activities related to money laundering and fraud in order to protect its shareholders, customers, partners, employees, and reputation.

The main responsibility of a Due Diligence Specialist is assisting on all questions related to the enhanced procedures for onboarding customers and partners, to ensure continuous review of customers, and assist with assigning appropriate risk profiles to customers and relevant third parties. This role also supports the engagement in awareness training for first line teams in Operations and Commercial.

A Due Diligence specialist will also assist in investigative support, as needed, to the Fraud and Transaction Monitoring teams.

Areas of responsibility

  • Timely response to alerts for ongoing and enhanced due diligence of customers
  • Prepare risk assessment report for other high-risk private and corporate customers for concurrence by the Due Diligence Leader
  • Third party sanctions screening reviews
  • Timely identification and assessment of risks associated with politically exposed persons and their relatives and close associates (PEP/RCA) in preparation of a risk-level recommendation for final sign-off to the Due Diligence Leader
  • Timely periodic and accelerated reviews of high-risk customers
  • Maintain metrics on reviewed customers and partners
  • Act as Subject Matter Expert (SME) for individual and corporate due diligence requirements
  • Provide financial crime prevention (FCC) intelligence support across the Bank
  • Ensure ongoing awareness of money laundering and terrorist financing techniques for Operations and Commercial teams and associated products

Competencies

  • Familiar with background screening of designated PEP/RCA(s), sanctioned persons and entities, beneficial owners, and the variety of legal entity structures across the Nordics and Europe
  • Excellent interpersonal and communication skills (written, verbal, presentation)
  • Comfortable with cross-referencing multiple systems simultaneously and consolidating the information into a clear customer or third-party profile
  • Ability to work within scope and adapt to changes of scope
  • Knowledge of AML laws and regulations in the Nordics
  • Advanced in written and spoken English and fluent in Norwegian

Experience

  • 2-5 years of relevant work experience in a financial institution or a related field
  • Experience with due diligence of private and corporate customers and related financial crime issues and due diligence activities
  • Experience with leasing, loan, and consumer finance products
  • Knowledge of IBM Oracle, Dow Jones, Salesforce, and front-end customer onboarding systems is an advantage

Education

  • Higher education in Economics, Business Administration, Law, Business Analytics, or any other related field
  • Relevant experience can compensate for education

Personal characteristics

  • Strong integrity/ethics – ensures all due diligence routines are compliant and follow relevant local regulations and bank policy
  • Organized, independent, structured, result-oriented and agile
  • Attention to detail and ability to connect cases to the bigger commercial picture for the bank
  • Ability to identify gaps and inefficiencies in processes and develop an action plan to address the issues
  • Comfortable with complex customer and stakeholder relationships
  • Focus on accuracy and completeness under time-sensitive conditions
  • Strong communicator and ability to accurately defend due diligence requirements under pressure

We offer

  • An opportunity to work in a large, high-performing international company
  • A corporate culture that is professional and dynamic, yet informal
  • An excellent team with highly competent, dedicated, and friendly co-workers
  • A competitive salary and compensation package
  • Some travel may be required (less than 10%)
  • Residence and work permit in Norway is a requirement

We are having ongoing interviews as part of the hiring process, so send your application at the earliest. The job ad will be closed when the right candidates are selected.

For more information about the position, contact the hiring manager – Mitchell White - Due Diligence Leader.

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Risikoanalytiker - Auto Private Persons Portfolio

Er du en nysgerrig risikoanalytiker?

Med hundrede tusindvis af kreditansøgninger om året er det nødvendigt med stor indsigt i den underliggende kreditrisiko – vil du hjælpe os med det?

Jobbet

Vi søger en kreditrisikoanalytiker til vores kontor på Stamholmen 149, Hvidovre. Dine opgaver bliver at udvikle og vedligeholde vores kreditrisikostyring af vores finansielle bilprodukter for privatkunder.

Dit arbejde vil foregå i et nordisk miljø med ansvar for kreditrisikoen for alle aktiviteter i forbindelse med vores bilporteføljer. Du vil arbejde tæt sammen med især dine kolleger i Danmark, Finland, Norge og Sverige.

Du skal forvente, at du en typisk dag kan starte med at analysere, om der ligger en underliggende risiko i en stigning i nyudlånet, hvorefter du skal indsende den månedlige tabsoversigt inden frokost og deltage i et virtuelt møde med dine nordiske kolleger om eftermiddagen. Det er med andre ord en rolle, hvor du får mange kasketter på, ligesom det er afgørende. at du har øje for de kommercielle muligheder rigtig risikostyring giver.

Arbejdet omfatter udvikling og finjustering af strategien for kreditrisikoen, så sunde kreditprocesser sikres inden for vores risikovillighed. Opgaverne omfatter løbende optimering af beslutningsprocessen gennem dataanalyser og datamining. Du bliver ansvarlig for evaluering af nye kreditprodukter herunder vurdering af produkternes rentabilitet og risiko samt de løbende omkostninger ved servicering af produktet.

Arbejdet omfatter desuden udarbejdelse og formidling af porteføljernes performance herunder prognoser for fremtidige tendenser. Dette sker gennem proaktiv overvågning, og det forventes, at du kan identificere, adressere og forklare årsagerne bag kreditrisikoen og forhold til de lovgivningsmæssige parametre (EAD, PD, LGD), kapitalpåvirkning (risikovægtede aktiver) og rentabilitet (RORWA).

Da opgaverne kommer til at flyve om hovedet på dig er det vigtigt at du evner at holde styr på dine prioriteter og forstår hvilken opgave du skal snuppe først samt at du taler lige godt med personer på alle niveauer.

Teamet

Flere af dine kolleger sidder i de andre nordiske lande, og teamet er præget af højt humør med stor forståelse for vores forskelligheder og de fejl vi naturligvis alle begår.

Når et eller andet brænder på tilsidesætter vi gerne hvad vi måtte have planlagt for at hjælpe. I det hele taget skal du være klar på at smøge ærmerne op, sætte luppen for øjet og finde en løsning. Du skal ikke sidde med foldede hænder og vente på at lederen fortæller dig hvad du skal kaste dig over.

Og bare rolig – vi skal nok sikre den nødvendige oplæring.

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Collection Specialist

We are looking for to strengthen our Denmark Country Execution team with a permanent Collection Specialist position. There is a Flexiwork possibility in this position.

The Collection Specialist is responsible for handling of all types of loans granted for the Bank’s customers, which are delinquent. The primary focus is on acting as a back-office specialist and support external vendors (e.g. repossession agents, collection agencies) to execute actual collection activities on a daily basis. The Collection Specialist also provides support directly to the Bank’s customers and internal stakeholders on matters related to Collections’ areas of expertise, for example:

  • Reminder processes

  • Repossession processes

  • Loan termination processes

  • Late/Legal Collection

  • Debt Settlement, Debt Restructuring and collaboration with authorities on related matters

  • Refinancing/Forbearance measures

  • Bankruptcies, Death Estates

The Collection Specialist manages his/her work independently. Specialising in our Corebanking systems, being part of projects and system testing both in projects and new releases of Corebanking systems.

Activities

  • Respond to customer inquiries

  • Provide internal stakeholders with an expert opinion on Collection-related matters

  • Manage assignments to Massive Collection partners and inquiries from their agents (when applicable)

  • Manage repossession assignments and respond to inquiries from repossession agents

  • Manage loan terminations and assignments to Debt Collection Agencies, and respond to inquiries from DCAs

  • Manage debt settlement/debt restructuring applications and perform necessary adjustments in collaboration with DCAs (when applicable)

  • Manage death estates in collaboration with DCAs (when applicable

  • All other activities performed in Collections according to local practice and instructions set by Country Execution Leader

  • When feasible, design and standardize processes

  • Identify and specify required system functionality

  • Actively collaborate with Lead Country Execution, Country Execution team.

Experience

  • 3+ years working experience in Collections

  • Working experience in bank & finance sector is an advantage

  • Knowledge of local regulations related to debt collection practice

  • Knowledge of regulations in one or more of the other Nordic countries is an advantage

Education

  • Supplemental studies in Credit Management and/or Recovery Management related topics is an advantage

Personal characteristics

  • Process driven – high execution capacity

  • Organized, structured, result oriented

  • Team player without exception

  • Outgoing, communicative

  • Strong integrity/ethics – ensures all decisions and processes are compliant and follow regulations

  • Good at identifying opportunities for improvement

  • Strong problem-solver able to see opportunities and solutions and make decisions

Competencies and skills

  • Fluent in local language (written and verbal)

  • Work proficiency in English

  • Excellent interpersonal and communication skills (written and verbal)

  • Ability to work cross functions and organizational boundaries

  • MS Office (Excel, Word, PowerPoint)

  • Coreview/Way4

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

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Sales Consultant

Har du interesse for kreditvurdering og kendskab til finansiering af bil, camping eller motorcykel?

... så har du nu mulighed for at prøve kræfter med et drømmejob, når du tager plads hos Europas største bank. Bliv en del af et team fuld af energi, grin og samarbejde.

Din hverdag i Origination Auto

Når du møder ind på din første dag i Origination Auto, får du en varm velkomst af dine 14 kolleger, som har glædet sig til at få dig med på holdet. Sammen har vi ansvaret for at lave kreditvurderinger, når der skal lånes eller leases køretøjer – både til private og erhverv. Og så er der altid en munter tone i luften.

Der er masser af liv og super god stemning på kontoret. Her elsker vi nemlig at tale med folk, og så er vi også lidt nørdede omkring biler,” fortæller Søren Neltoft, Teamleder - Origination Auto.

Lav kreditvurderingerne og tag snakken med forhandlerne

Som Sales Consultant får du ansvaret for lave vurderingerne, når kunder og virksomheder ønsker at finansiere en bil, motorcykel eller campingvogn hos en af de forhandlere, vi arbejder sammen med. Det betyder også, at du får masser af kontakt med bilforhandlere og deres kunder – både på telefon og mail. Der er tale om en fast stilling, og det bliver det din opgave at:

  • Foretage kreditvurderinger

  • Tage imod henvendelser fra forhandlere og deres kunder på ansøgninger

  • Sikre, at særaftaler bliver håndteret korrekt

Vi har rigtig mange forskellige løsninger. Så du har mange muligheder, når du hjælper kunderne med at finansiere deres bil, motorcykel eller campingvogn. Og er du i tvivl om en vurdering, så har du altid en kollega, du kan spørge til råds,” fortsætter Søren.

Et friskt miljø med masser af fordele

Der er en fed stemning og en virkelig god energi i vores team. Dine kolleger løfter i flok, og vi elsker at fejre succeserne, når vi sammen når resultaterne. Det kan være lidt ekstra forkælelse på en god dag eller en af vores mange årlige fester. Det samme gælder dit forhold til vores kunder, som du har mulighed for at møde ved ekstraordinære arrangementer – f.eks. til koncert, gokart eller lignende arrangementer,” slutter Søren.

Økonomisk uddannelse eller forhandlererfaring

Der er flere måder, du kan blive vores nye kollega på. Det kan f.eks. være, at du:

  • Kommer med en uddannelse i økonomi med en passion for biler

  • Eller har arbejdet med forhandling af biler og kan finde hoved og hale i både privatøkonomi og en virksomheds årsopgørelse

Derudover er det vigtigt, at du er en udadvendt person, som elsker at tale med mange forskellige mennesker igennem din dag. Samtidig er du med på den digitale bølge og mister ikke overblikket, når du sidder foran 2 skærme og skifter rundt imellem en masse faner.

Interesseret?

Har du spørgsmål til jobbene, kan du kontakte teamleder i Origination Auto, Søren Neltoft, på telefon 5373 2028.

Du søger jobbet ved at sende din ansøgning og dit CV allerede i dag, og vi behandler ansøgninger løbende. Tiltrædelse er snarest muligt.

Vi glæder os til at høre fra dig.

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OpRisk & Security Specialist

OpRisk & Security Specialist

We are looking for a permanent position with the Development & Applications.

Reporting to Support Applications Leader, we are seeking a person to ensure the whole area of Development and Applications is run in a compliant and secure manner.

Tasks

  • Cooperation with the IT Operational Risk Control Function in day-to-day operations
  • Cooperation with the IT Cyber Security in day-to-day operations
  • Plan, coordinate and execute necessary actions for the DevApp to solve or mitigate risks, in close collaboration with the mangers in DevApp
  • Acting as DevApp’s ambassador and facilitate integration of risk management in first line of defence, this include awareness and understanding of risk

Support DevApp department in operational risk management, this includes:

  • Identification, investigation and risk assessments
  • Define, execute and follow up mitigating actions
  • Train and assist asset managers

Monitoring and reporting out on the mitigation plan to IT mgmt and stakeholders.

Contribute towards the audit and compliance support when required

Your qualifications and skills:

  • Basic technical knowledge and ability to transfer knowledge to team members
  • Excellent in coordination and handling complex processes and tasks
  • Knowledge in risk management procedures and/or IA procedures
  • Good business insights and an overall view of how applications support the business processes
  • Basic understanding of security terminology and mindset
  • Broad and deep understanding of IT and banking
  • Ability to understand detailed technical procedures, projects, SDLC and Web Development Architecture, Ethical Hacking Process, OWASP Secure Coding Practices etc.

Personal

  • Mature and self-motivated professional able to work in a fast-paced environment
  • Adherence to IT policies and processes to ensure compliance and stability
  • Capacity to lead complex projects and people
  • Excellent communication skills, written and oral in English
  • Minimum bachelor degree within IT or Business development
  • Project Manager certifications
  • 5-7 years of experience in IT related areas
  • Fluent in one of the Nordic languages and English
  • Residence and work permit in one of the Nordic countries

You are welcome to contact Jan Erik Secker +47 9950 5615, if you have any questions about the position.

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IT OpRisk & Security Specialist

OpRisk & Security Specialist

We are looking for a permanent position with the Development & Applications.

Reporting to Support Applications Leader, we are seeking a person to ensure the whole area of Development and Applications is run in a compliant and secure manner.

Tasks

  • Cooperation with the IT Operational Risk Control Function in day-to-day operations
  • Cooperation with the IT Cyber Security in day-to-day operations
  • Plan, coordinate and execute necessary actions for the DevApp to solve or mitigate risks, in close collaboration with the mangers in DevApp
  • Acting as DevApp’s ambassador and facilitate integration of risk management in first line of defence, this include awareness and understanding of risk

Support DevApp department in operational risk management, this includes:

  • Identification, investigation and risk assessments
  • Define, execute and follow up mitigating actions
  • Train and assist asset managers

Monitoring and reporting out on the mitigation plan to IT mgmt and stakeholders.

Contribute towards the audit and compliance support when required

Your qualifications and skills:

  • Basic technical knowledge and ability to transfer knowledge to team members
  • Excellent in coordination and handling complex processes and tasks
  • Knowledge in risk management procedures and/or IA procedures
  • Good business insights and an overall view of how applications support the business processes
  • Basic understanding of security terminology and mindset
  • Broad and deep understanding of IT and banking
  • Ability to understand detailed technical procedures, projects, SDLC and Web Development Architecture, Ethical Hacking Process, OWASP Secure Coding Practices etc.

Personal

  • Mature and self-motivated professional able to work in a fast-paced environment
  • Adherence to IT policies and processes to ensure compliance and stability
  • Capacity to lead complex projects and people
  • Excellent communication skills, written and oral in English
  • Minimum bachelor degree within IT or Business development
  • Project Manager certifications
  • 5-7 years of experience in IT related areas
  • Fluent in one of the Nordic languages and English
  • Residence and work permit in one of the Nordic countries

You are welcome to contact Jan Erik Secker +47 9950 5615, if you have any questions about the position.

Läs mer och ansök

Våra åtta värdegrunder

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Visar respekt

Vi visar respekt och behandlar andra så som vi själva vill bli behandlade. Vi bekräftar och uppskattar våra olikheter.

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Lyssnar på riktigt

Vi lyssnar och visar empati för att förstå andras behov.

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Talar klarspråk

Vi talar klarspråk, agerar konstruktivt och kan anpassa oss till andra.

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Håller våra löften

Vi håller våra löften och är konsekventa i allt vi gör.

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Samarbetar aktivt

Vi uppmuntrar aktivt till samarbete för att hitta den bästa lösningen för kunder och kollegor.

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Tillför passion

Vi tillför passion, ger energi och gör vårt bästa för att förtjäna lojalitet från kunder och kollegor.

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Stöttar människor

Vi stöttar människor i deras utveckling, ger feedback och visar uppskattning för deras insats.

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Välkomnar förändring

Vi välkomnar förändring, bidrar med innovativa lösningar och lär av misstag.

Nyrenoverat kontor i Solna Strand nära T-bana, pendel och bussar

I våra nyrenoverade lokaler har vi tillgång till gym och pool och varje vecka erbjuds de anställda att delta i olika träningsaktiviteter som t ex yoga, crossfit, löpteknik m.m.

Om oss

En bank med lokal närvaro och global styrka.

Sponsorskap

Våra sponsringsinsatser fokuserar på att inspirera till träning och en hälsosam livsstil.

Press

För dig som är journalist eller representerar media.

Tips, råd & guider

Tips och råd för din privatekonomi.

En nordisk bank med spanska rötter

Vi tillhör den globala koncernen Banco Santander som har 144 miljoner kunder och över 200 000 anställda i 45 länder. En halv miljon kunder i Sverige och på kontoret i Solna jobbar över 400 engagerade medarbetare med att skapa en enkel, personlig och pålitlig bank.

Läs mer om vilka vi är