Join to apply for the Fraud Prevention Analyst - SDS role at Santander Digital Services.
Santander (www.santander.com) 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 help more people and businesses prosper. We embrace a strong risk culture and expect all our professionals to take a proactive and responsible approach toward risk management.
Santander Digital Services is the technology and operations team at Santander. Our team of over 7,000 people in 8 countries (Spain, Portugal, Poland, UK, USA, Mexico, Chile and Brazil) develops and implements financial solutions across a broad spectrum of technologies.
SANTANDER Digital Services – Location and Opportunity
The Fraud Prevention Analyst will be based in Spain, Brazil or Portugal.
Responsibilities
* Analyse transactional patterns, behavioural trends, and anomalies to proactively detect fraud schemes, attacks, and new typologies.
* Investigate fraud alerts, cases, and escalations, ensuring timely resolution.
* Monitor emerging fraud risks and collaborate with business and operational teams to maintain a holistic view of fraud trends.
* Evaluate and recommend improvements to fraud prevention rules, thresholds, models, and processes to enhance detection accuracy and reduce false positives.
* Stay informed on industry fraud‑prevention practices, technologies, and tools used in the banking sector, identifying opportunities to enhance the bank’s detection capabilities.
* Contribute to strategic fraud risk assessments of business products and developments to identify vulnerabilities and requirements.
Qualifications
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Professional Experience
* Minimum of 2 years of experience in Fraud Prevention roles.
* Excellent written and verbal communication skills.
* Experience in the financial/banking industry.
* Capacity to build effective relationships with a wide range of stakeholders in a complex partnership environment.
* Exceptional hands‑on management style and the ability to address and resolve issues efficiently and deliver results.
* Flexibility and ability to work both independently and collaboratively.
* Superior relationships management, excellent organizational skills, ability to multi‑task and attention to detail.
* Excellent judgement and rigorous analytical skills.
Education
* University degree in Computer Engineering, Information Systems, Business, Administration or related field or relevant experience.
* Certifications in fraud prevention skills or tools.
* Certifications in cybersecurity (valued).
Languages
* English – Required.
* Spanish – Required.
Hard Skills
* Knowledge of banking products and processes such as cards, loans, payments, digital onboarding and banking apps.
* Familiarity with fraud platforms: transaction monitoring, behavioural biometrics and identity verification. Knowledge of rule configuration, thresholds, alert tuning, and interpretation of risk scores and model outputs.
* Familiarity with topics related to fraud or financial crime: first‑party fraud, authorized/non‑authorized fraud, money mules, etc.
* Data analysis skills using Power BI, Excel, SQL.
* Statistics knowledge (trends, deviations, correlations).
* Knowledge in Cyberfraud TTPs and trends per taxonomy (e.g. scams, cards fraud, identity fraud, online/mobile fraud), products (payments, debit cards, digital wallets, dealer fraud, mobile, web) and attack types (phishing, deepfakes, money mules, social engineering, account takeover, vishing, impersonation).
* Regulatory knowledge applicable to fraud.
* Understanding of machine learning models and algorithms (optional but valuable).
Soft Skills
* Problem‑solving skills and an innovative mindset to ensure a clear focus on the strategic agenda.
* Ability to work and reach satisfactory agreements and find practical solutions for fraud with all stakeholders in different geographies and roles.
* Good knowledge of internal and external fraud risk management, cyber security, IT concepts.
* Excellent communication skills in both online written interactions and face‑to‑face customer service interactions.
* Business relationship management under high‑pressure situations.
* Ability to work effectively across cultures and geographies.
Benefits
* Global career paths and learning opportunities.
* Hybrid working model and flexible hours.
* Access to Santander Open Academy for courses and learning.
* Competitive salary with performance‑based bonuses.
* Preferential banking terms, special interest rates on loans, insurance.
* Well‑being program BeHealthy.
* Childcare support and family‑friendly programmes.
* Legal and advisory services for employees and families through Santander Contigo.
* Gym/WellHub membership, medical centres, meal subsidy, parking, shuttle service, exclusive discounts.
Seniority level
Entry level
Employment type
Full‑time
Job function
Finance and Information Technology
Industries
Financial Services, IT Services and IT Consulting, and Software Development
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