Cash & Payment Analyst

It Starts Here Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. It Starts Here Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The CIB US Cash Payments Operator will have the responsibility to support and execute several tasks related to payments. This person will be responsible for the day-to-day operations of the company's business units. Aims to deliver superior service to clients by driving and optimizing the effectiveness and efficiency of people, processes and technology thereby enhancing financial performance, increasing investment capacity, and managing risk. Builds the sustainable repeatable capabilities that support delivery of the highest standards of service and execution. Analyzes and reviews data tools, business processes and operational standards to execute service delivery. Evaluates and ensures that operations meet company objectives, business needs, service agreements and relevant requirements. Researches and monitors external landscape to identify developments and translate them into operational implications for the company. Monitor payments transactions to ensure processing in accordance with SLA as well with the Bank Policy and Procedures. Identify and resolve discrepancies in payment processing. Investigate and resolve payments related issues. Open investigation cases, follow up with all parties involved. Escalate any issue related to payment processing, independently if this operational or technical issue. Collaborate with other departments to address any question and/or issue related to payments. Perform EOD Reconciliation and analyze discrepancies. Ensure payment systems are functioning properly. Assist in the testing of systems when relating to BCP, upgrades or maintenance. Actively participate in projects/initiatives related or impacting payments. Conduct testing of new payment futures and system upgrades to ensure functionality are met. Ensure compliance with regulatory standards related to payment processing, including BSA/AML and OFAC Standards. Prepare reports for the management related to payment processing and Investigations. Provide support to internal users (e.g: Finance, Business, BO, Client Service..) regarding payment systems and processing. Ability to multitask– for a variety of projects and initiatives. Assist and collaborate with co-workers and team members to achieve the unit’s goals. Maintain Policies and Procedures and ensure it alignment with the current process, regulations and control risk framework. What You Bring Experience with ACH and Wire Transfers. Knowledge of checks in the US is preferable. knowledge of payment systems (e.g., SWIFT, ACH, Fedline, wire transfer systems), regulations, and compliance requirements. Excellent analytical, problem-solving, and decision-making skills. Spanish skills a plus Excellent communication skills (verbal and written). Organized and rigorous attention to detail with a control-oriented mindset Strong organizational and analytical skills with the ability to multi-task 3 years minimum experience Certifications No Certifications listed for this job. It Would Be Nice For You To Have Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience in Microsoft Office products. Work Authorization & Sponsorship Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment. What Else You Need To Know The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Minimum Base Pay Range $70,000.00 USD Maximum Base Pay Range $90,000.00 USD We Value Your Impact Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) Risk Culture We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at View email address on click.appcast.io to discuss your needs. AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO #J-18808-Ljbffr