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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.

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Nordic Insurance Business Analyst

The area of Insurance is continuously growing and is becoming a bigger business area for the Bank, and a strategic pillar for the future.

Come join Santander Nordic Insurance Department on our growth track!

We are seeking a Business Analyst with the skills to execute our ambitious plan, and the personality to fit a high performing team. For the right Candidate, plenty of challenges will await.

Building on our capabilities and data insight, the Business Analyst will work closely with various stakeholders to enhance data driven decision making, performance optimization and contributing to the strategy development of Nordic Insurance in Santander.

Being part of a small, but highly functional Insurance team, the Insurance Business Analyst will spearhead the data driven culture within the Insurance business, linking business requirements to data, and take responsibility ensuring order and efficiency in the collaboration with various stakeholders.

Job description :

  • Take ownership of coordination of Budgeting in collaboration with financial control, data management and relevant commercial stakeholders.
  • Translate data into business enhancements in collaboration with relevant stakeholders.
  • Collaborate intensively with the markets to understand business needs.
  • Provide insight and support for existing data and solutions within the Insurance area
  • Drive and develop data insight and utilisation
  • Proto-typing of new data & analytics solutions
  • Creation of reports and dashboards (Data Visualization)

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Scrum Master

Data Management in looking for a Scrum Master. As a Scrum Master you are responsible for ensuring that the Scrum teams follow the processes agreed upon as new Ways of Working, keeping obstacles and distractions out of the team's path. You will work closely with the Data Solution Management Lead and establish metrics to assess and measure the team's optimal performance, and strives to enable an engaged, happy and highly performing team. You will facilitate the Strum ceremonies within the teams and across teams and teach Agile best practices within the department and to important stakeholders. You will also support in creation of both team and program backlogs, ensuring that we have good processes for business requirements, solve the dependencies across Data Management teams and support with managing the workload across the teams. In this role, you will continuously work to improve our Ways of Working, processes and ensure good communication across teams as well as with important stakeholders.

This is a temporary position until August 2025 and can be located in any of our Nordic locations (Lysaker, Stavanger, Solna, Hvidovre or Helsinki).

Responsibilities:

  • Serving as Scrum Master to teams of data specialists
  • Facilitator and coaching of the department and stakeholders in our agile methodologies
  • Preparation for the Program Increment Planning, such as ensuring that the teams are brief on the upcoming features
  • Creation of draft Program Increment plans
  • Facilitation of planning, workshops and goal setting for the teams
  • Escalate and remove roadblocks for the team
  • Ensure good communication and cooperation with other teams and important stakeholders
  • Facilitate team events such as refinement, planning, team syncs and retrospectives
  • Continuously work to improve the ways of working to enable engaged and high performing teams
  • Establish metrics to assess and improve overall performance of the teams
  • Establish good processes and practices for documentation
  • Help to enable product thinking around our data deliveries
  • Support the creation and management of the product backlog

Competencies & Skills:

  • Strong knowledge of Scrum or other agile methodologies
  • Strong knowledge of the Coaching and Facilitation.
  • Ability to coach individuals and teams
  • Ability to motivate people and teams
  • Ability to facilitate more type of team-meetings
  • Excellent emphatic skills
  • Excellent in speaking and written communication and collaboration skills
  • Ability to communicate with all levels of the organization

Experience & Education:

  • Hands-on experience working as Scrum Master and/or Agile Coach
  • Min. 7-10 years of experience with teaching, facilitation, coaching and mentoring
  • Higher degree of Economics or Computer Science & Information Technology education (may be substituted by relevant experience)
  • Certifications or experience as Professional Scrum Master
  • Certifications or experience as Professional Agile Coach

Personal characteristics:

  • Engaged, proactive, self-driven and service orientated
  • Curious and willing to learn
  • Empathic
  • Commercial mindset
  • Team player with very good interpersonal skills.
  • Thrives in a dynamic and changing environment
  • Organized, structured, result oriented
  • Good communication skills

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

Interested?

If you have the right profile and enthusiasm, please send your application and CV via the link. You are welcome to contact Eirik Wessel Carlsen, eirik.wessel.carlsen@santanderconsumer.no or Rasa Simulionyte, rasa.simulionyte@santanderconsumer.no, if you have any questions about the position. The job is to be filled as soon as possible, so we therefore encourage you to send your application as soon as possible, but no later than 3.3.2024.

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IT System Specialist, Core Banking Loans & Leasing

Core Banking Loans & Leasing is the asset owner of core banking IT applications in Santander. We operate, maintain and develop the View21 system CoreView, PreView and ReView in line with our banking strategy and operating needs. Core Banking Loans & Leasing are divided into three focus areas; Ops & Support, Development and Release Management. To strengthen our capacity in the Release Management team, we are now searching for a System Specialist for a temporary position until 31.12.2024. This position can be located in Lysaker (Norway) or Solna (Sweden).

As a System Specialist in our Release Management team, you will contribute in activities to upgrade our View21 platform Nordic. You will be a part of a dedicated team of highly skilled specialists, all determined to deliver first class software. The Financial products supported by our View21 platform is Auto, Consumer Loan, Deposit and Insurance.

Your main tasks:

  • Active participation in View21 upgrades, Nordic
  • Support UAT (UserAcceptanceTesters) testers in Upgrade periods
  • Analyze findings in testing and report bugs to system vendor, Banqsoft
  • Supporting end-users in understanding the core applications, CoreView, PreVeiw, ReView.
  • Contribute on reaching team objectives according to the Banks strategies
  • Contribute on continuous improvements on processes and ways of working

Competencies and experience:

  • Basic infrastructure knowledge, servers, databases and software version
  • Experience and knowledge on financial products and processes
  • Experience in utilizing and understanding of complex core banking systems, preferable View21
  • Experienced within problem- and change management
  • Excellent communication skills, written and oral, both in one of our Nordic languages and English.
  • Bachelor’s degree or higher in technical or economy field (can be substituted by relevant experience)
  • Preferable, but not necessary, if familiar with use of SQL, Azure Devops, API/IL knowledge
  • Familiar with ITIL framework is preferable

Personal skills:

  • Think customer and value driven
  • Curious and eager to learn
  • Energetic with high drive, ability to take on independently tasks as well as contribute to team-based work
  • Highly structured way of working, dealing with details in a high pace environment
  • Ability to manage frequent changes of prioritized changes, incidents and tasks § Analytical with problem solving skills

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

Interested?

If you have the right profile and enthusiasm, please send your application and CV via the link. You are welcome to contact Hege Green, hege.green@santanderconsumer.no, if you have any questions about the position. The job is to be filled as soon as possible, so we therefore encourage you to send your application as soon as possible, but no later than 3.3.2024.

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Sales Consultant Leasing

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.

Jobbet

Som Sales Consultant Leasing vil du blive en del af et team på 13 kollegaer. Du vil sammen med teamet være ansvarlig for håndtering af både back office opgaver samt yde en premium kundeservice til vores kunder og forhandlere.

Dine opgaver bliver blandt andet:

  • Opstart og aktivering af operationelle og finansielle leasingaftaler.
  • Daglig kontakt med forhandlere og kunder via telefon og e-mail.
  • Håndtering og opfølgning på igangværende leasingaftaler med kunder og leverandører.
  • Deltagelse i mindre projekter på leasingområdet.
  • Diverse ad-hoc opgaver og kontroller.

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Risk Analyst - Residual Value Risk - Portfolio Management & Control

Santander Nordics has outlined leasing and residual value risk as a strategic area that will be strengthened going forward. As the team responsible for managing and controlling residual value risk, we are looking for a Risk Analyst to enhance our capabilities in the Portfolio Management & Control (PM&C) area with a primary focus on Residual Value Risk on a Nordic level.

As Residual Value Risk Analyst you will be responsible for managing and controlling the residual value risk of the portfolios in the four different markets, providing insights and information to relevant stakeholders and governing bodies, both in the Nordics as well as towards our Headquarters in Madrid. You will perform data analysis based on both quantitative and qualitative data and prepare material that is used to inform top management for enabling decision making. You will work with the extraction, consolidation and reporting of data mainly related to collateral and residual value risk.

In this role, you will get familiar with our data, from the most granular level to high-level aggregations in management reports. You will be identifying, investigating, and further elaborating on the drivers behind the data in cooperation with other analysts in the team. You will also pack the insights in high-quality reports to be presented to our internal customers to recommend actions ensuring we maintain the risk levels in line with Santander’s risk appetite.

You will also have a leading role from a data point of view to support the development of a new data warehouse, the visualization and automation of relevant reports and the development of certain tools related to RV risk. You will also contribute to develop, implement, and optimize relevant frameworks, policy and procedures across our four markets, ensuring the governance is in place and followed. You will also take part to the annual review of policies and procedures that relate to Auto Retail Risk.

You will progressively become the point of contact for other functions and stakeholders when it comes to matters related to the portfolio under your control and its segments, in relation to its characteristics, performance and development. You will also in general be involved in strategic projects carried on within and outside the team.

As result, you will have the opportunity to growth in areas that are strategic for the bank, gain relevant exposure and strengthen your ability to handle broad tasks under defined schedules.

Areas of responsibility

  • Summarize and communicate external trends, portfolio performance and changes in risk quality raising concerns and recommendations to the appropriate level of management
  • Assess impact of both internal and external environments upon portfolios and strategies
  • Perform data analysis to deliver on recurring and ad-hoc tasks
  • Participating in cross-functional initiatives and projects
  • Establishing routines for reconciliations and setting up controls for detecting data quality issues
  • Budget and measure performance against limits and expectations
  • Design, implement and scale up processes to control and manage the portfolio assigned to you
  • Drive knowledge sharing and mutual support within the team
  • Close cooperation with counterparts within and outside Risk department both in the Nordics and also towards our HQ in Madrid

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Summer temp - Sales Consultant - Auto

Haemme autorahoituksen luottopäätöstiimiimme uutta vahvistusta kesän ajaksi. Tarjoamamme tehtävä on määräaikainen kesätyö joustavasti 31.8.2024 asti.

Tiimissämme menestyy henkilö, joka on asiakaspalveluhenkinen sekä halukas oppimaan uutta hektisen työn myötä. Työtä tehdään itsenäisesti, kuitenkin vahvasti osana tiimityötä.

Tarjoamme sinulle vastuullisia tehtäviä ja monipuolisia asiakaspalvelutilanteita sekä mahdollisuuden laajentaa rahoitusalan kokemusta. Tehokas tiimi tukee sinua tehtäviin perehtymisessä sekä koulutuksessa.

Työtehtävät:

Luottopäätöstiimin rahoitusneuvottelijana olet vastuullinen luottopäätöstentekijä leasing- ja osamaksusopimuksiin sekä yksityis- että yritysasiakkaille. Yhteistyökumppaneiden palvelua hoidat puhelimitse ja sähköpostitse. Työn kuvaan kuuluu myös työvuoroja lauantaisin sekä erikseen sovittaen mahdollisesti myös sunnuntaisin. Luottopäätöstiimin aukioloajat ovat arkisin klo 8–19 ja lauantaisin klo 10–15.30. Työ tehdään Kulosaaren konttorilla. Koulutuksen jälkeen on mahdollisuus osittaiseen etätyöhön.

Työkokemus ja -taidot:

  • Olet asiakaspalveluhenkinen ja haluat ylittää asiakkaan odotukset

  • Pidät hektisestä työympäristössä työskentelystä, jossa tehdään tiivistä tiimityötä

  • Olet tavoitteellinen ja tottunut työskentelemään paineen alla.

  • Sopeudut muuttuviin tilanteisiin, etkä pelkää rutiineja tai puhelintyöskentelyä

  • Olet oma-aloitteinen, huolellinen sekä itsenäinen työntekijä

  • Kaupallinen koulutus katsotaan eduksi

  • Ruotsin ja englannin kielen taito katsotaan eduksi

  • Rahoitusalan tuntemus katsotaan eduksi

Haastattelut aloitamme mahdollisimman pian ja palkkaamme työntekijän sopivan löydyttyä. Hae työtä siis pian, viimeistään perjantaina 3.3.2024. Laitathan liitteeksi CV ja hakemuskirjeen. Palkka määräytyy rahoitusalan TES mukaisesti. Lisätietoja voi kysyä luottopäätöstiimiin liittyen Mika Raijakselta puh. 0504001579 tai mika.raijas@santanderconsumer.fi.

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Data Scientist/Risk Model Analyst

We are looking for a Data Scientist/Risk Model Analyst to join the Nordic Advanced Analytics and Risk Modeling Team in one of our Nordic locations (Stockholm, Copenhagen, Oslo or Helsinki). Given the value-generation of analytics-based decision making, the team has been growing fast and is engaged in taking analytics-based decision making to the next level. This is an excellent opportunity if you have the desire to apply analytics for ensuring profitable responsible lending.

About the team

The Advanced Analytics and Risk Modeling team is working together with Risk teams across the Nordics, ensuring that the model developments and related controls are following the highest of standards and implemented and monitored for all the products in each country under the same governance. The team is responsible for the following areas:

  • Development of regulatory parameter models (IRB PD, LGD, EAD)
  • Development of scoring and rating models for underwriting, customer behavior and other purposes (e.g., Fraud, Collections, etc.)
  • Development of parameter models used for the calculation of expected credit losses (PD, LGD, EAD)
  • Model management, planning and governance
  • Machine Learning and related innovation initiatives with key focus on the area of credit risk

Key Responsibilities

  • Timely delivery of the models assigned and included in the model plan
  • Improved calibration, stability and separation/predictive power of models through model re-calibrations, adjustments and re-developments
  • Challenger modelling deliveries on projects
  • Monitoring and back-testing of assigned models
  • Collaborating with colleagues across the organisation to better understand business and data and ensure proper communication around deliveries
  • Ad-hoc reporting and analytical tasks

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Sales Consultant

Haemme Leasing & All In One tiimiimme kesän ajaksi positiivista ja energistä persoonaa joka nauttii työskentelystä vauhdikkaassa ympäristössä.

Tehtäviäsi ovat Leasing ja All In One sopimusten rahoittaminen. Vastaat myös Leasing asiakkaidemme puheluihin ja sähköpostiviesteihin sekä hoidat erilaisia backoffice tehtäviä mm. leasingsopimusten jatkoja ja sopimusten siirtoja yritykseltä toiselle. Teet myös tiivistä yhteistyötä myynnin ja luottopäätöstiimin kanssa.

Olet tehokas ja oma-aloitteinen tiimipelaaja, joka pystyy tekemään myös itsenäisiä päätöksiä. Et säikähdä, jos valmiita ratkaisuja ei ole, vaan toimit ratkaisuhakuisesti myös uusissa tilanteissa. Sinulla on hyvät asiakaspalvelutaidot ja halu ylittää asiakkaiden odotukset. Ymmärrät myynnillisen näkökulman asiakaspalvelutilanteissa ja sitoudut yhteisiin tavoitteisiin. Sopeudut nopeasti muuttuviin tilanteisiin, etkä toisaalta pelkää myöskään rutiineja.

Meillä pääset oppimaan rahoitusalaa Leasingin näkökulmasta innostavassa ja nopeatempoisessa ympäristössä. Pääset näyttämään taitosi ja kehittymään monipuolisessa tehtävässä. Meillä on positiivinen tekemisen meininki ja teemme töitä unohtamatta pilkettä silmäkulmassa. Saat ammattitaitoisen tiimin tuen ja perehdytyksen tehtävään. Tarjoamamme tehtävä on määräaikainen kesätyö ajalle 2.5.- 31.8.2024. Palkkaus on rahoitusalan työehtosopimuksen mukainen.

Lisätietoja tehtävästä antaa Paula Mäntylä numerossa 050 591 5383 12.2. klo 13-15 ja 16.2. klo 9-11. Jos kiinnostuit tehtävästä, lähetä hakemuksesi 25.2.2024 mennessä. Käymme hakemuksia läpi jo hakuaikana ja tehtävä täytetään heti sopivan henkilön löydyttyä. Toimithan siis nopeasti!

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ERM Risk Analyst - Temporary for 12 months

The Risk department is responsible for all matters related to Credit, Market and Non-Financial Risks as well as Enterprise-wider Risk Management across the Nordics (Norway, Sweden, Denmark, and Finland). The Enterprise Risk Management (ERM) team, as part of the second line of defence (2LoD), ensures, from a holistic and forward-looking approach, an adequate communication of the Santander’s risk profile, to both internal (Senior Management Team, Board of Directors, Santander Consumer Finance (HQ), etc.) and key external stakeholders (Rating Agencies, Regulator, Investors, etc). This requires of prompt identification, assessment, communication, and escalation of all risks that could jeopardize our strategic goals or have an impact on the Bank’s capital/liquidity position or the Group’s profitability.

Furthermore, Santander Nordics, as part of Grupo Santander, which is a founding member of the Net Zero Banking Alliance (NZBA), has a clear and solid commitment to financing sustainable and socially responsible activities and supporting its customers in their transition to a low-carbon economy, while maintaining its leading position across the Nordic countries.

We are looking for a Risk Analyst for a temporary position for 12 months , to join our ERM team with the following responsibilities:

  • Risk Management: Contribute to the effective identification of emerging risks, risk profile assessment, reporting and a prompt escalation of all risks, progressing to incorporate new elements of analysis.
  • Risk Reporting: Ensuring an adequate and prompt communication of Santander’s risk profile to relevant stakeholders, produce detailed documentation, prepare executive-level communications and ad-hoc presentations/reports for different forums/committees.
  • Public Disclosure and Industry Insight:
    • Coordination with other divisions and risk areas to properly communicate our risk profile in external communications - such as: Annual and quarterly reports, annual meeting with rating agencies, information requested by investors - adapted to changing reality while leveraging on peer analysis and best market practices.
    • Gain a detailed understanding of the industry and develop a comprehensive view the risks the Bank faces due to its business model. Advise on insights and strategies to enhance our risk management framework. Conducting studies and research on the economic and financial environment (deep dives/peer analysis/benchmarks, etc.).
  • Develop the strategic risk function: Ensuring coherence between the Bank’s risk appetite and the Group’s strategy, in short and long term, its alignment with the medium-low risk profile we strive to maintain; monitoring the status of the strategic projects throughout the organisation and tracking the evolution of our strategic objectives.
  • Promote ESG embeddedness and Net Zero Group Ambition: Being a focal point for ESG-related risks and reporting within ERM; supporting the incorporation of ESG factors within our risk management framework; monitoring upcoming disclosure requirements (Pillar III: ESG; CSRD, EU Taxonomy, etc.); supporting data collection/analysis for internal or external disclosure.
  • Regulatory Assurance: Follow up on the latest regulatory developments on European and local level, collaborate closely with other areas across the Group to understand where action is required, and maintain ERM internal regulations.
  • Evolve ERM to new paradigm, adapting it to the new realities by enhancing our current internal and external communication, aiming to provide a holistic forward-looking oversight of the Bank's risk profile.
  • Risk Culture: Participate in pan-Nordic and cross-functional projects, and assist in the training and development of a strong risk culture (RiskPro) within the Group.

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Avoin hakemus

Voit jättää meille avoimen hakemuksen. Olemme sinuun yhteydessä, mikäli meillä aukeaa osaamistasi vastaava tehtävä.

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Våra värdegrunder

Think customer

Jag bryr mig om våra kunder, så jag går den extra milen för att förtjäna deras förtroende och lojalitet. Kunderna efterfrågar mer än någonsin en bank som är enkel, personlig, rättvis. Think Customer innebär att gå längre för att förtjäna lojalitet och förtroende från de människor vi är i kontakt med. Var och en av oss måste sätta oss i den genomsnittliga kundens skor och alltid tänka på hur våra handlingar påverkar kunderna. Vi måste förutse och uppfylla alla frågor, problem och behov som våra kunder kan ha. Det innebär att gå utöver det för att tillhandahålla en tjänst i världsklass.

Embrace change

Jag anammar nya utmaningar och jag ser nya sätt att göra saker som en möjlighet att växa. Världen rör sig snabbt. Ny teknik, ett ständigt föränderligt konkurrenslandskap och sociala trender har höjt samhällets förväntningar på företag. Santander har satt fasta åtaganden för netto-noll koldioxid till 2050, åtaganden vi måste uppfylla. Förändring kräver ansträngning och ställs naturligtvis inför motstånd. Inbjudan är att möta det med ett medvetet tankesätt av möjlighet i stället. Förändring kan innebära att vi gör misstag. Det ska vi inte vara rädda för. Misstag är priset för framsteg: vi bör lära av dem – och kom ihåg att det största misstaget av alla är att ignorera de förändringar vi måste göra.

Act now

Jag agerar med ansvar och jag gör saker enkelt när det är möjligt. Komplexitet dödar tillväxt. Dynamiska företag rör sig som ett smidigt kollektiv, fritt från byråkrati och komplicerade processer. Det är så vi måste vara. Vi måste ta ansvar för våra egna uppgifter och göra dem snabbt och ansvarsfullt, samtidigt som vi uppmuntrar kollegor att göra detsamma. Oavsett om det är vårt eller ett annat teams ansvar måste vi ta bort hinder som bromsar oss.

Move together

Jag söker möjligheter att främja samarbete och arbeta tillsammans för att uppnå gemensamma mål. Det är bara genom att arbeta som ett team som vi kan lösa de svåraste utmaningarna. Det är därför vi skapade One Santander. De bästa teamen gör det bästa av allas kompetens för att få jobbet gjort. Mångfald kan vara en av våra största styrkor, men bara om vi samarbetar och lyssnar på varandra, och rör oss som en.

Speak up

Jag känner mig fri att lyfta vilken idé som helst eller ställa vilken fråga som helst och bygga en miljö av respekt och förtroende. Jag är bekväm med att dela och få feedback. Alla måste säga ifrån. Där problem och idéer inte delas, delas inte heller lösningar. Alla i verksamheten har ett unikt perspektiv, och eftersom det är unikt är det användbart. Vi behöver alla, från de äldsta till de yngsta, ha självförtroendet att utmana oss att göra bättre: vi måste alla vara beredda att ge och ta emot ärlig feedback, och vi måste alla känna oss säkra på att de frågor vi ställer kommer att tas upp.

Kontor i Solna Strand nära T-bana, pendel och bussar

I våra 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

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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.

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