Aml Consultant jobs

Santander Consumer Bank provides a full spectrum of finance solutions for the automotive and powersport markets. Santander offers loans the easy way; Simple, Personal, and Fair. Become part of a globally recognized brand and join our dynamic and growing team today.

Our mission is to help people and businesses prosper. Guided by our values “Simple, Personal, and Fair”, we strive to be the best open financial services platform, acting responsibly to earn the lasting loyalty of our people, customers, shareholders, and communities. We live this mission through our TEAMS behaviors: we Think Customer, Embrace Change, Act Now, Move Together, and Speak Up to create a culture of trust, innovation, and collaboration. We adopt a strong risk culture, and we expect all our professionals, regardless of their position, to have a proactive and responsible attitude towards risk management.

About the role

The AML/ATF Manager is a key role within the Bank’s AML/ATF compliance program and is best suited to a skilled professional with strong practical knowledge of Canadian AML/ATF requirements. The successful candidate will lead core AML/ATF activities with limited day-to-day supervision from the Head of AML, while ensuring appropriate escalation, approval, and oversight by the Head of AML and/or Chief Compliance Officer, as required. The role requires the ability to independently assess AML/ATF risk, challenge control effectiveness, work constructively with key stakeholders to identify and address money laundering and terrorist financing risk, and support Internal Audit on program effectiveness reviews and remediation.

Job purpose

To ensure the AML/ATF program is effectively executed, enhanced, and monitored across business lines, products, geographies, and third-party relationships, including independent risk and control assessment and support for FINTRAC reviews, Internal Audit, independent testing, and regulatory change implementation.

Key Duties and Responsibilities

AML/ATF program functions

• Manage day-to-day execution of the AML/ATF program activities and functions including training, monitoring, reporting, escalation, and issue management.
• Enhance AML/ATF policies and procedures to ensure alignment with the PCMLTFA, FINTRAC guidance, regulatory notices, and applicable global standards.
• Translate legislative requirements/FINTRAC guidance into obligations, business processes and controls.
• Maintain an inventory of AML/ATF obligations, controls, reporting timelines and governance deliverables.
• Maintain trackers for AML/ATF tasks, business unit initiatives, projects and issue remediation.
• Identify program gaps, control weaknesses and emerging risks and action plans with clear ownership timelines.
• Track audit, regulatory and audit open issues, and timely escalation of overdue/ineffective remediation.
• Prepare AML/ATF materials for reporting to senior management, Board or Group/HQ stakeholders.

Risk Assessment

• Independently perform annual, periodic, and trigger-based AML/ATF risk assessments across the enterprise, including business units, products, channels, customers, geographies, third parties, vendors, and new initiatives.
• Apply sound risk assessment methodology covering inherent risk, controls, residual risk, and action plans.
• Assess AML/ATF risks for new products, technology, or material process changes before implementation.
• Assess customer risk factors, beneficial ownership, PEP/HIO, high-risk geographies, third-party payments, unusual funding patterns, and fraud indicators.

Ongoing Monitoring and Reporting

• Perform quality review over transaction monitoring, unusual activity, escalation of decisioning and reporting.
• Provide timely and adequate documentation of STRs and other applicable reporting obligations to FINTRAC.
• Conduct AML/ATF investigations, escalations, and coordinate with business units on ML/TF issues/activities.

Business Unit Support

• Perform first or second control assessment/testing and thematic reviews of their AML/ATF controls.
• Perform KYC/CDD/EDD, screening, monitoring, reporting, recordkeeping, training, escalation, and issue closure.
• Escalate material ML/TF risks, control gaps, regulatory breaches, and unresolved issues to the Head of AML.
• Support annual, role-based, refresher, and Board/senior management AML training.
• Use customer risk factors, audit findings, STR trends, and emerging typologies to update risk assessments, prioritize controls, and inform training, monitoring, escalation, and reporting.

Regulatory Changes & Stakeholders Management

• Maintain stakeholder relationships across Group/HQ teams and key internal functions.
• Monitor Canadian AML/ATF developments, FINTRAC guidance, and relevant global standards.
• Prepare reporting on program status, risk, audit findings, KRIs/KPIs, and remediation.

Qualifications

• Bachelor’s degree and relevant AML/compliance credential, such as CAMS.
• Strong knowledge of PCMLTFA and its regulations, FINTRAC guidance, and other requirements.
• Proven ability to independently manage AML/ATF program activities with limited supervision.

Skills & Competencies

• Strong ownership, independent judgment, and disciplined follow-through.
• Able to assess risk, analyze issues, and turn regulatory expectations into practical controls and remediation.
• Communicates clearly and challenges constructively across the business and with senior stakeholders.
• Experience in risk assessment, control evaluation, residual risk, and remediation actions.
• Strong stakeholder management across business units and parent body group/HQ teams.

Success Measures:

• Complete AML/ATF risk assessments on time, with clear evidence and defensible conclusions.
• Keep policies, procedures, training, monitoring, and reporting current with regulatory requirements and risk.
• Embed emerging FINTRAC priorities, including fraud and extortion indicators, into controls and reporting.
• Support audit and effectiveness reviews with timely evidence and sustainable remediation.
• Identify, escalate, and track AML/ATF issues through resolution.
• Provide timely, practical guidance that strengthens first-line ownership of AML/ATF controls.

Working Conditions / Physical Requirements

• Work is performed in a professional office environment with standard office equipment.
• Requires prolonged periods of sitting and computer use, regular multitasking to meet reporting deadlines, and occasional interruptions and task switching as part of the daily workflow.
• Occasional increases in workload may occur due to regulatory changes, audit cycles, or reporting requirements.
• No travel is required unless requested for regulatory or compliance meetings.

Conditions of Employment

• Must be legally entitled to work in Canada.
• Successful completion of a background check, including criminal record prior to employment.
• Compliance with Santander Consumer Canada’s Code of Conduct, Information Security policies, and applicable regulatory requirements.

The successful candidates will have the opportunity to develop their career and skills as part of a growing in-house legal team and office that fosters an entrepreneurial spirit, with freedom and flexibility, as well as ongoing support through training and mentoring to ensure a rapid professional development. Our organization offers a collegial work environment, work life balance, competitive compensation package and upward mobility.

Why Join Us?

At Santander Consumer Bank, we are committed to fostering a culture of compliance and ethical behavior, ensuring that our operations align with laws, regulations, and internal policies. We value innovation and collaboration. As a part of the team, you will have the opportunity to contribute to the success of our business while furthering your career in a supportive and dynamic environment. Join us in our mission to create a safe and secure environment for our customers, stakeholders and our employees.

Application Process

Interested candidates should submit their resume and cover letter detailing their relevant experience and interest in the position. Please note that only shortlisted candidates will be contacted.

Santander Consumer Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Benefits:

• Dental care
• Disability insurance
• Extended health care
• RRSP match
• Vision care

Ability to commute/relocate:

• Edmonton, AB T6E 5Y7: reliably commute or plan to relocate before starting work (preferred)

Education:

• Bachelor's Degree (preferred)

Location:

• Edmonton, AB T6E 5Y7 (preferred)

Work Location: In person