Software Engineer AI Enablement | S2 | Fraud CIO | Milton Keynes | Internal Mobility

Software Engineer AI Enablement | S2 | Fraud CIO | Milton Keynes | Internal MobilityCountry: United Kingdom

IT STARTS HERE

Santander (www.santander.com) is evolving from a global, high-impact brand into a technology-driven organisation, and our people are at the heart of this journey. 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.

Our mission in Fraud CIO is to design, deliver and evolve best-in-class fraud capabilities to protect our customers and to establish Santander as the global lead for preventing economic crime.

An exciting opportunity has been made available to join the bank as a Software Engineer – AI Enablement in the ever-evolving Fraud CIO. This role will be to combine hands-on software engineering with AI enablement, intelligent automation and the development of AI-assisted engineering practices. They will establish a specialist engineering capability focused on identifying, developing and embedding AI-enabled approaches that improve how Fraud Technology is designed, built, tested, operated and evolved.

THE DIFFERENCE YOU MAKE

Fraud is looking for a Software Engineer based out of Milton Keynes, Unity Place.

Applicants must possess a degree in Digital Technology Solutions or be on track to complete their degree by Q2 2027.

• You will be developing hands-on test-driven software, producing well-structured quality code, conducting code reviews for peers, and engaging with technical discussions.
• You will contribute to the design and development of large-scale high-performance APIs and services using Java (11+) with tools and frameworks like Spring Boot, Spring Security, and Maven, for use across web applications, native apps, microservices and event driven architecture.
• You will be a member of the Fraud CIO backend guild, a space for sharing, adopting and promoting quality engineering processes through best practices, coding standards, and documentation methods.
• You will improve engineering productivity and delivery efficiency through the practical application of AI and automation, turning these AI opportunities into usable, repeatable and controlled engineering solutions
• You will work closely with business and technical guilds to take business requirements through to technical design, build and implementation, and release processes and participate in planning, analysis, and design sessions for new and upcoming features and initiatives.
• You will supports the Bank’s fight against fraud by improving the technology and controls used to prevent fraudulent activity and protect customers.

WHAT YOU’LL BRING:

Professional Experience

• Experience working in Fraud or have worked on Fraud driven projects or initiatives (Preferred)
• Proven experience of TDD/BDD, able to implement and promote best practices within the team and guilds (Required)
• Broad implementation and deployment experience with DevOps technologies such as Jenkins, Docker and Git Actions (Required)
• Experience building APIs, Spring Boot applications, Junit test suites, Terraform and/or Ping would be beneficial (Preferred)

Education

• Currently undertaking, or eligible to continue, a relevant technology apprenticeship or structured development programme. (Required)

Languages

• No additional language requirement specified. (Required)
• Knowledge of Spanish could be useful but not required. (Preferred)

Hard Skills

• Practised knowledge of Software Development Life-Cycle practices (Required)
• Ability to demonstrate great design and development experience of Java microservices using Spring (Required)
• Excellent core Java 11+ skills (ideally 17+) (Required)
• An understanding of security patterns and writing systems that act as gateways into systems (Preferred)
• Experience of AWS & cloud system technologies (Preferred)

Soft Skills

• Great communication and stakeholder skills, with the ability to work collaboratively across technical and business teams. (Required)
• Curiosity, enthusiasm and a proactive approach to learning and problem solving. (Required)
• Adaptability and a willingness to broaden technical, business and delivery knowledge across the Fraud domain. (Required)

WE VALUE YOUR IMPACT

At Santander, your contribution matters. We recognise the difference you make every day, and we make sure you feel valued, supported and rewarded in return.
Here, recognition goes beyond pay. It’s about the pride you feel in your work, the impact you have on customers and communities, and the opportunities you have to grow and thrive — personally and professionally.

Salary Range:
£45,320.00 - £67,980.00 per annum (depending on experience)

This salary range represents the expected remuneration for the role. Annual salary is based on a standard 35-hour working week. Actual salary offered will depend on skills, experience, qualifications and location.

• Competitive rewards that reflect the real impact you make and the value you bring.
• Wellbeing that goes beyond work — we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support.
• Support for every life stage — from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support.
• Time to give back through volunteering opportunities that let you make a difference in the communities we serve.
• Global growth opportunities to shape your career, learn new skills and explore what’s possible across our international network.

Ready to be recognised? It starts with you.

LOCAL COMPLIANCE

At Santander, we’re proud to be an inclusive organisation that provides equal opportunities for everyone — regardless of age, gender, disability, civil status, race, religion or sexual orientation.

We’re committed to creating a recruitment experience that’s accessible, fair and welcoming for all candidates.

We want our people to thrive — at work and at home — while delivering the best outcomes for our customers and supporting each other to grow.

To make this possible, our roles are site-based with a hybrid working pattern, where colleagues are expected to attend the office at least 12 days per month (pro-rata for part-time roles).

When applying, please consider the travel distance, time and cost to your chosen office location(s).

IMPORTANT INFORMATION FOR INTERNAL APPLICANTS:

PERMANENT ROLES:

• If you are currently employed by Santander UK plc on TSB Legacy terms or by TSB and choose to apply for this Santander vacancy, please be aware that, if successful, you will move onto full Santander terms and conditions of employment and will no longer be part of the TSB Legacy population with effect from the start date of your new role.

WHAT TO DO NEXT

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

For further Guidance please visit Internal Mobility - Candidate Guidance.

Please contact: Reece Edwards - Reece.Edwards@santander.co.uk

The Santander Way

Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. 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.

Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

Ready to make it happen?

It starts with you. It starts here.