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As a financial services provider, managing risk is a core part of our day-to-day activities. To be able to manage our business effectively, it is critical that we understand and control risk in everything we do.

The growing complexity and importance of the financial services industry demands a strong risk culture to effectively manage and control a diverse range of risks facing the bank, our shareholders, employees, and customers.


The Risk & Compliance function is responsible for the control and oversight of several risk types to ensure they are effectively managed across the bank. It’s the functions responsibility to ensure that a strong risk culture is embedded across the business.

The Risk & Compliance function has a range of roles from Analysts, Managers, Investigators, Senior Managers to Heads of Business which span across the following business areas.


The Risk Chief Operating Office is responsible for developing and embedding the Risk strategy, operating model and financial budgets whilst providing a central support function for the division covering direct support to the CRO and Risk leadership team. The COO (Chief Operating Officer) teams seek to develop and maintain an integrated programme to provide a support service throughout the Risk division, ensuring adherence to the internal policies of the bank as well as the legislative/regulatory guidelines of the relevant external authorities.


Oversight and challenge across the whole suite of risks the bank is exposed to with responsibility for Risk Frameworks, Risk Appetite & Stress Testing, Capital and Strategic & Business Risk, Governance & Control, Risk Certifications, Emerging Risks, Climate Change Risk and Risk Reporting. Enterprise Risk also includes the Model Risk & Control function responsible for 'oversight and independent reviews’, aiming to improve the quality of automated processes and associated decisions.


Instrumental in supporting customers’ financing requirements across a range of business segments (Personal, Business and Corporate) and products such as mortgages, unsecured loans, overdrafts, and credit cards for our personal customers through to Trade and Invoice Finance for our Corporate & Commercial clients. Credit Risk responsibilities extend to both the initial assessment and approval of lending applications and the ongoing management of those facilities, ensuring appropriate actions are taken where necessary to deliver the best possible outcomes for all stakeholders and to meet our regulatory commitments. Additionally, Credit Risk are responsible for developing and maintaining appropriate credit policies.


Responsible for second line oversight and challenge of financial risks such as Market & Liquidity and Counterpart Credit Risk, development of the bank’s risk models, and credit loss projections. Also, responsible for producing, analysing, and reporting the results in relation to regulatory exercises such as stress tests for the regulators.


Oversight, monitoring and reporting of firm wide operational risk profile and responsible for defining, directing, and embedding effective operational risk management practices across all levels of the organisation. Including oversight of the bank’s Transformation and Change agenda, Data Management risks, Operational Resilience, Cyber & IT risks, Outsourcing risk, People-related risks, and risk culture.


Compliance is an independent second line risk function playing a key role in helping Santander UK oversee, manage, and minimise its exposure to conduct, regulatory and reputational risks. Our teams work as trusted partners and provide forward-looking, informed, and pragmatic support to business areas and other corporate functions in identifying, assessing, managing, and reporting on those risks.

We ensure decisions and actions take account of the best interests of our customers and uphold our conduct and regulatory obligations, professionally and ethically, in line with Santander’s values and behaviours. We engage in an open and collaborative way and maintain and promote Santander’s strong risk culture to support achievement of Santander´s strategy.

Across our team you will find compliance specialists, legal professionals, and specialist investigators, all creating an extraordinary environment where you will learn from others and be able to share your knowledge and experience. Talented individuals with diverse technical skills and backgrounds are at the heart of our team and Compliance has a presence across our various Santander UK locations.


This function provides second line of defence control and oversight for the Bank in its fight against financial crime and fraud covering the following areas:

  • Financial Intelligence Unit and Complex Investigations
  • Controls, Models & Analytics
  • Assurance & Governance
  • Policy, Advisory & External engagement
  • Change Oversight and Group Engagement
  • Fraud Oversight and Economic Crime Investigations
  • Nominated Officer Team
  • Strategy and Economic Crime Risk Office