Director, AML Enhanced Due Diligence Program

Director, AML Enhanced Due Diligence Program Country : United States of America

Your Journey Starts Here :

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make :

The Director, AML Enhanced Due Diligence (EDD) Program, will report to the Chief BSA / AML Officer and serve as the accountable leader responsible for the design, execution, and continuous enhancement of the Bank's Enhanced Due Diligence program. This individual will act as a subject matter expert with deep and nuanced knowledge of AML / KYC / EDD requirements and practices, ensuring the program's effectiveness, scalability, and alignment with evolving regulatory expectations and industry standards.

The Director will manage the EDD team and will oversee program quality and outcomes, acting as a reliable proxy for the Chief BSA / AML Officer in matters relating to enhanced due diligence. This role requires balancing day-to-day oversight and quality control with strategic program development, ensuring that the EDD program delivers consistent, compliant, and high-quality results.

Program Oversight & Execution

• Oversee the development, implementation, maintenance, and overall quality of EDD policies, procedures, and standards, ensuring their effectiveness and alignment with regulatory requirements.
• Lead the day-to-day operations of the EDD program, ensuring high-quality, timely, and compliant reviews of high-risk customers and transactions.
• Directly manage and provide oversight of the EDD investigative team, ensuring investigations are thorough, consistent, and meet internal and external standards.
• Monitor, analyze, and report on EDD metrics, emerging risks, and trends, providing regular updates to senior management.
• Directly engage with first line of defense / business partners to ensure EDD tasks / responsibilities carried out by the first line of defense are timely and high quality.
• Collaborate with cross-functional teams, including Legal, Risk, and Compliance, to ensure alignment with company policies and regulatory requirements.

Strategic Program Development

Governance, Audit & Regulatory Engagement

People Leadership

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 or equivalent work experience : Finance, Business or equivalent field. - Required.

Master's Degree Finance, Business, or equivalent field. - Preferred.

9+ years; Compliance, Legal, Regulatory, or Financial Services (large bank experience preferred but not required)

Previous and recent EDD experience, including significant experience managing teams and overseeing complex EDD programs

Previous experience in managing EDD programs for Retail, Commercial, and Corporate banking

Proven experience in engaging with regulatory agencies / examiners

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.

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.

Base Pay Range

Minimum : $131,250.00 USD

Maximum : $225,000.00 USD

Link to Santander Benefits :

Santander Benefits - 2025 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.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

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 TAOps@santander.us to discuss your needs.

Primary Location : Boston, MA, Boston

Other Locations : Texas-Austin,Texas-Dallas

Organization : Santander Holdings USA, Inc.