Cash Management Specialist

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. The Difference You Make The Analyst - Cash Management supports the Global Transaction Banking Business Unit and is responsible for supporting the development, enhancement, governance, and commercialization of payment and cash management solutions for Corporate & Investment Banking clients. This role ensures products meet regulatory and operational standards while driving innovation, client-centric design, and revenue growth. Key Responsibilities Product Strategy & Commercial Support: Support the development and enhancement of payments and cash management solutions, including domestic and cross-border payments, liquidity structures, account services, and digital channels. Contribute to product strategy and roadmap planning aligned with CIB client needs and market trends. Translate client requirements into scalable and marketable product features. Participate in new product initiatives, enhancements, and go-to-market execution. Assist Sales and Coverage teams with product positioning, pricing support, and customized solution structuring that require complexity. Analyze usage trends and identify opportunities to deepen wallet share. Product Governance & Risk Oversight Maintain product policies and procedures to ensure adherence to regulatory, compliance, legal, and operational standards. Partner with Risk, Compliance, Legal, and Operations to ensure appropriate product controls and oversight frameworks. Prepare internal documentation and product approval materials. Ensure ongoing monitoring of product performance, risk indicators, and regulatory changes. Provide guidance to operational teams for complex or non-standard cash management structures. Assist in sales performance tracking and reporting What You Bring To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor’s Degree in Business, Finance, Economics, or related field (or equivalent experience). Experience in Payments, Cash Management, Liquidity Products, or related Product Management roles within Banking. Knowledge of: Payment rails (ACH, Wires, RTP, cross-border payments) Liquidity management structures (cash concentration, pooling, notional pooling) Treasury services and digital banking platforms Demonstrated understanding of the product development lifecycle. Strong analytical and financial acumen. Ability to manage multiple priorities in a fast-paced environment. Excellent verbal, written, and executive-level communication skills. Ability to create and execute strategic product plans to drive growth. Proven ability to collaborate cross-functionally and influence stakeholders. Self-starter with forward-thinking mindset and strong sense of ownership. 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. 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: $110,000.00 USD Maximum $135,000.00 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