Monitoring Manager – Fraud, Financial Crime & AML Lifecycle Controls | S3 | Compliance Monitoring | Risk & Compliance | Milton Keynes or Glasgow | Internal Mobility
SantanderIT 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 is to contribute to help more people and businesses prosper. We embrace a robust risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
Risk & Compliance plays a critical role in protecting Santander, our customers and our communities by providing independent oversight, challenge and assurance. We enable the business to achieve its strategic objectives while maintaining great governance, effective risk management and a culture of accountability.
THE DIFFERENCE YOU’LL MAKE
Risk & Compliance is looking for a Monitoring Manager – Fraud, Financial Crime & AML Lifecycle Controls based in Milton Keynes or Glasgow.
This is an exciting opportunity to join our specialist Compliance Monitoring team responsible for delivering independent second line assurance across Fraud, Financial Crime and AML Lifecycle Controls. As a Monitoring Manager within Compliance Monitoring, you will lead and deliver risk-based reviews that provide independent assurance over the design and effectiveness of fraud, financial crime and AML Lifecycle control frameworks.
Working closely with stakeholders across Fraud, Financial Crime, Risk and the wider business, you'll provide valuable insights that strengthen governance, identify emerging risks and support continuous improvement. You'll also contribute to the ongoing enhancement of monitoring methodologies, helping to ensure Santander continues to meet regulatory expectations while protecting customers and the Bank.
We're shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:
Acting as Review Lead for risk-based monitoring reviews across Fraud, Financial Crime and AML Lifecycle Controls, ensuring high-quality, timely and evidence-based assurance outcomes.
Leading all phases of review delivery, including planning, scoping, testing, stakeholder engagement, reporting and issue validation.
Assessing the design and operating effectiveness of fraud, financial crime and AML Lifecycle controls, identifying risks, control gaps and opportunities for improvement.
Providing independent challenge and oversight across Fraud Risk Management, Fraud Prevention and Detection Controls, AML Lifecycle Controls, Sanctions, Anti-Bribery & Corruption, Financial Crime governance and related control frameworks.
Producing clear, concise and impactful reports that communicate findings, ratings and recommendations to stakeholders at all levels.
Using data analytics, management information and risk insights to identify emerging fraud and financial crime risks, thematic issues and opportunities to strengthen the control environment.
Building effective relationships across the organisation to support constructive challenge, sustainable remediation and positive risk outcomes.
Supporting the development and continuous improvement of Compliance Monitoring methodologies, tools and approaches.
Contributing to the delivery of the risk-based Compliance Monitoring Plan aligned to strategic priorities, emerging risks and regulatory expectations.
WHAT YOU'LL BRING
Our people are our greatest strength. Every individual contributes unique perspectives that make us greater as a team and as an organisation. We're enabling teams to go beyond by valuing who they are and empowering what they bring.
The following requirements represent the knowledge, skills and abilities essential for success in this role.
Professional Experience
Experience within Compliance Monitoring, Financial Crime Assurance, Internal Audit, Risk Assurance or a related second or third line assurance function within Financial Services. (Required)
Excellent knowledge of Fraud Risk Management, Fraud Controls, AML Lifecycle Controls, Financial Crime Risk Management, Sanctions, Anti-Bribery & Corruption and relevant regulatory requirements. (Required)
Proven experience leading end-to-end assurance, monitoring or testing reviews, including planning, fieldwork, stakeholder management and reporting. (Required)
Experience assessing control effectiveness and identifying risks, control weaknesses and opportunities for improvement. (Required)
Experience communicating findings and recommendations to stakeholders and influencing positive outcomes. (Required)
Experience across Retail, Business or Corporate Banking fraud, AML and financial crime environments. (Preferred)
Experience using data-led assurance techniques and analytics to support monitoring activity. (Preferred)
Education
Degree or equivalent professional experience. (Required)
ICA, Certified Fraud Examiner (CFE), CISI, IIA or equivalent professional qualification. (Preferred)
Languages
English. (Required)
Hard Skills
Great knowledge of Financial Crime Risk Management, AML Lifecycle Controls and associated regulatory expectations. (Required)
Great analytical skills with the ability to interpret information, identify risks and draw meaningful conclusions. (Required)
Experience supporting assurance activity through the use of data analytics, visualisation or workflow management tools. (Preferred)
Good understanding of assurance methodologies, monitoring frameworks and control effectiveness testing. (Required)
Soft Skills
Great planning, organisational and execution skills. (Required)
Excellent communication and stakeholder management skills with the ability to engage credibly across all levels of the organisation. (Required)
Sound judgement and problem-solving capability within complex risk and control environments. (Required)
Ability to work collaboratively, influence outcomes and build effective relationships. (Required)
A continuous improvement mindset with a focus on innovation, simplification and delivering high-quality outcomes. (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:
£54,318.00 - £81,478.00 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 four 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).
We welcome applications on the understanding that, should you be offered this role, there may be no relocation package available. Santander will pay the employer mandatory government fees that are required to pay in connection with visa sponsorship. You may be liable for your own personal employee immigration and relocation costs (only applicable for roles eligible for sponsorship).
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.
If you want to know more about the opportunity:
Please contact: Brendan Maguire - brendan.maguire1@santander.co.uk
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