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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 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 will report 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 of 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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Vil du jobbe med AML og Due Diligence i en av verdens største banker?

Som Due Diligence-spesialist har du en kritisk rolle i å hjelpe Santander Consumer Bank med å virkelig kjenne kundene sine og risikoen den er utsatt for til enhver tid. Santander anerkjenner sitt ansvar for å forhindre AML- og svindelaktiviteter for å beskytte sine aksjonærer, kunder, partnere, ansatte og omdømme. Nøkkelen til å få dette til er Due Diligence-spesialister.

Ansvarsområder

Hovedansvaret som Due Diligence-spesialist er å bistå med alle spørsmål knyttet til onboarding av kunder og partnere, for å sikre kontinuerlig gjennomgang av kunder og løpende due diligence av eksisterende kunde- og partnerporteføljer. Dette må utføres i henhold til regulatoriske standarder og definerte interne retningslinjer. Andre hovedoppgaver er:

• Periodisk oppdatering av kunder, gjennom informasjonsinnhenting og kontroll.
• Utstrakt samarbeid med sentrale interne avdelinger
• Skriftlig og telefonisk kundekontakt og innhenting av kundeinformasjon for videre oppfølging, med fokus på KYC og Ongoing Customer Due Diligence
• Vurdere innhentet informasjon og foreta videre undersøkelser
• Gi høykvalitets EDD (enhanced customer measurements)/high quality OEDD (ongoing enhanced customer) analyser på privat- og bedriftskunder og kunder med politisk eksponering (PEP/RCA)
• Analysere relevant informasjon for risikobasert beslutningstaking for å møte regulatoriske krav
• Delta i test og analyse ved utvikling av KYC-systemer/løsninger
• Bidra til forbedring av interne rutiner der dette er nødvendig
• Delta i relevante tiltak/prosjekter for kontinuerlig forbedring av prosesser og rutiner innen AML/KYC

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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 søker nå etter en motivert medarbeider til vårt team for Financial Quality and Assurance (FQ&A). I denne stillingen vil du bli en del av et høyt kvalifisert og faglig sterkt team, som jobber med ulike oppgaver innenfor IFRS, skatt/moms og internkontroll på nordisk nivå.

FQ&A-teamet er ansvarlig for å levere nøyaktig og korrekt rapportering av bankens økonomiske resultater i henhold til lover og regler, samt opprettholde bankens rammeverk for internkontroll av finansiell rapportering (SOX). Alle definisjoner for lovbestemt rapportering og regnskapsmessig behandling fastsettes av dette teamet. Teamet har også en nøkkelrolle i å ivareta og følge opp regnskapsprinsippene for banken.

Viktigste ansvarsområder:

• Være en sentral bidragsyter inn mot den finansielle rapporteringen for banken, utarbeidelse og kvalitetssikring av kvartalsrapporter og årsregnskaper (AS/Group, SCF Finland og SCB Sverige Filial)
• Utarbeide skatteberegninger (ved årsslutt og kvartal) og skattemeldinger,
• Kvalitetssikring av momsrapportering og oppdatering av momsnøkler
• Kvalitetssikring av avstemminger og regnskapsovervåking
• Foreta regnskapsmessige vurderinger og dokumentere komplekse regskapsforhold
• Delta i og/eller lede prosjekter og andre ad hoc-saker
• Tett dialog med ekstern revisor
• Drive forbedringsarbeid, standardisering, og prosesseffektivitet

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We are looking for a highly motivated Senior Financial Controller to our Financial Quality and Assurance team. In this position you will join a highly qualified team that work with a variety of tasks within IFRS, financial and tax, and internal control for financial reporting on a Nordic level.

As the Senior Financial Controller, you will contribute to deliver accurate and timely representation of the bank’s financial performance in accordance with laws and regulations, as well as maintain the internal control framework for the bank (ICFR). You will be handling complex IFRS, accounting and transactions matters and provide concrete solutions to these. The role also entails being an important partner to the FQ&A Leader and Head of Accounting Control.

To thrive in this role, we are looking for someone who is comfortable taking lead and who likes to work in a fast-paced environment.

Main activities

• Subject matter expert for SOX
• Ensure complete implementation of corporate SOX scope
• Ensuring that the Bank complies with IFRS and Nordic accounting legislation and regulations in internal and external reporting
• Consult and advice in accounting and ICFR matters.
• Drive improvements, standardization and process efficiency.
• Contribute to continuous development of the annual report, including improvement of processes, ensuring deadlines are met, and working closely together other stakeholders
• Monitor trial balance through control activities and analytical procedures

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Vi ser etter en dyktig og engasjert Senior Financial Controller til vårt Financial Quality and Assurance team. Teamet er ansvarlig for å levere nøyaktig og korrekt rapportering av bankens finansielle rapportering. Teamet har også en nøkkelrolle i å ivareta og følge opp regnskapsprinsippene for banken.

Som Sr. Financial Controllers vil du være ansvarlig for å sikre nøyaktig finansiell rapportering i samsvar med lover og forskrifter, samt opprettholde rammeverket for internkontroll for banken (ICFR). Rollen innebærer også å støtte virksomheten ved regnskapsproblemstillinger knyttet til prosjekter og forretningsbeslutninger. Du vil være viktig sparringspartner for FQ&A lederen og Head of Accounting Control.

For å trives i denne rollen ser vi etter deg som er komfortabel med å ta ansvar og som liker å arbeide i et miljø med høyt tempo.

Viktigste ansvarsområder:

• Fagekspert for Sarbanes-Oxley Act (SOX)
• Sikre fullstendig implementering av bankens SOX-omfang
• Sikre overholdelse av IFRS og nordisk regnskapslovgivning og -forskrifter i intern og ekstern rapportering.
• Rådgivning i regnskaps- og ICFR saker.
• Bidra til kontinuerlig utvikling av årsrapporten, herunder forbedring av prosesser, sikre at tidsfrister overholdes, og jobbe tett sammen med andre konsernfunksjoner om innholdet
• Overvåke saldobalanse gjennom kontrollaktiviteter og analytiske prosedyrer
• Drive forbedringer, standardisering og prosesseffektivitet.
• Foreta regnskapsmessige vurderinger og dokumentere komplekse regskapsforhold

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As Workforce planner you are to facilitate and optimize production, ensure forecast and analyzing of inflow from all channels, and apply needed resource allocation to secure capacity are used best possible. Additionally, you will be responsible for all KPI’s are delivered and to detect potential improvement areas in process’ and employee skill-set and have a very close corporation with the trainer, Team Leaders and Head of. The Team Leaders will be updated on all KPI’s, performance and needs for training by the Workforce planner

Responsibility will include:

• Forecast call, chat and mail volumes and staffing requirements based on historical data, trends, and business needs.
• Create and maintain accurate staffing schedules to ensure optimal coverage and service level targets are met.
• Monitor real-time adherence to schedules and make necessary adjustments to optimize productivity.
• Analyze call center, chat and mail data/inflow and provide insights to identify opportunities for improving operational efficiency and performance.
• Collaborate with call center Team Leaders and trainer to identify and address staffing gaps and operational challenges.
• Develop and maintain effective communication channels with customer service agents, providing timely updates on schedules and any changes or adaptions.
• Maintain and update workforce management tools to ensure accurate and up-to-date information.
• Conduct regular evaluations of forecasting models, workforce management processes, and scheduling methodologies to drive continuous improvement.
• Stay updated with industry trends and best practices in workforce management to enhance overall performance.
• Assist the trainer to ensure a high level of competency within the team.
  

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As Workforce planner you are to facilitate and optimize production, ensure forecast and analyzing of inflow from all channels, and apply needed resource allocation to secure capacity are used best possible. Additionally, you will be responsible for all KPI’s are delivered and to detect potential improvement areas in process’ and employee skill-set and have a very close corporation with the trainer, Team Leaders and Head of. The Team Leaders will be updated on all KPI’s, performance and needs for training by the Workforce planner

Responsibility will include:

• Forecast call, chat and mail volumes and staffing requirements based on historical data, trends, and business needs.
• Create and maintain accurate staffing schedules to ensure optimal coverage and service level targets are met.
• Monitor real-time adherence to schedules and make necessary adjustments to optimize productivity.
• Analyze call center, chat and mail data/inflow and provide insights to identify opportunities for improving operational efficiency and performance.
• Collaborate with call center Team Leaders and trainer to identify and address staffing gaps and operational challenges.
• Develop and maintain effective communication channels with customer service agents, providing timely updates on schedules and any changes or adaptions.
• Maintain and update workforce management tools to ensure accurate and up-to-date information.
• Conduct regular evaluations of forecasting models, workforce management processes, and scheduling methodologies to drive continuous improvement.
• Stay updated with industry trends and best practices in workforce management to enhance overall performance.
• Assist the trainer to ensure a high level of competency within the team.
  
  

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Do you want to work in the field of L&D and Talent, in one of the world’s largest banks? Then this might be something for you!

At Santander Nordics, we work with the best people in an engaged, dynamic, and passionate organisation that provides excellent opportunities for Growth. We have 1200 engaged employees working cross-functional and cross the Nordics boarders in Norway, Sweden, Denmark, and Finland. We are one of the largest niche banks providing private customers with loans and credits, credit cards, deposits, and insurance.

What we offer
We offer you an exciting opportunity in a global company with Nordic responsibilities. You will get the opportunity to learn a lot including cross functional and cross-country collaboration. As HR L&D Assistant, you will support our L&D Manager with monthly reports, coordination between Nordic and Global stakeholders, administration in regards of regulatory training and other various tasks in the L&D field. The role is temporary for 12 months and the employment is part-time on 20% (up to 37,5hours per month). You will be located in Solna Strand, where our modern office is waiting for you.

Key accountabilities

• Send monthly regulatory reports to Nordic stakeholders.
• First line support to all employees’ injuries in regards of our Training systems.
• Support in the yearly planning of Mandatory Trainings and execute according to plan.
• Support in improving reporting processes for L&D area.

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