ABOUT THE ROLE
You will be the squad’s voice for business, compliance, and AI governance — ensuring Global BaaS delivers secure, compliant, and monetizable APIs with transparent AI practices.
Join a global transformation initiative driving Santander’s next-generation Bankingas-a-Service (BaaS) and API Platform. As Senior Business Analyst you will bridge business vision and digital execution, own AI governance, and ensure compliance across API and AI-native initiatives.
PRIMARY RESPONSIBILITIES
* Lead business analysis for Payments, Collections, Receivables, Cash Management, and Trade APIs aligned to ISO 20022 and Open Banking/CBPR+ standards.
* Own AI governance for the squad: LLMOps policies, prompt/version control, data minimization, model audit trails, and compliance readiness (PSD2, GDPR, DORA).
* Translate regulatory and business requirements into API-first designs, user stories, process maps, and data models.
* Facilitate workshops with Product Owners, Architects, Security and Platform teams to align on API contracts, schema registry usage, and monetization models.
* Define metrics, SLOs, and SLAs with Platform for global consistency; own policy and governance artifacts for audits.
* Use AI-native tools (ChatGPT Enterprise, GitHub Copilot, Azure OpenAI) to accelerate requirements, test-case generation and traceability.
* Coordinate API monetization and billing strategy with Platform, and ensure technical enablement for metering and billing hooks.
* Support compliance and internal audit for AI features and production models.
CORE SKILLS & QUALIFICATIONS
* 8+ years in financial services; 4+ years in API or BaaS transformation.
* Strong knowledge of ISO 20022 (pain.001/pain.002/pacs.008/camt.054), Open Banking, and PSD2.
* Deep understanding of API security (OAuth 2.1, mTLS, OIDC) and data privacy (GDPR, DORA).
* Experience with Apigee or IBM API Connect and schema governance for event-driven platforms.
* Exposure to AI governance, LLMOps practices, and enterprise prompt engineering.
PREFERRED QUALIFICATIONS
* Certifications such as CBAP, API Specialist, Agile Product Owner, or AI Business Strategy.
* Experience with data mesh, Kafka streaming, and schema registries.
* Proficiency in English and Spanish (tested).
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