The Difference You Make:

The Cash Management Structuring Lead - Vice President serves as a trusted advisor to clients and internal stakeholders by designing, structuring, and coordinating complex cash management solutions that address client treasury, working capital, and operational objectives. The role acts as a bridge between Sales, Product, Implementation, Operations, Technology, and Client Service teams to ensure the successful delivery and adoption of treasury solutions.

The incumbent is responsible for translating client business requirements into scalable cash management structures across payments, receivables, liquidity management, and digital channels. The role supports business development efforts, leads solution design activities, and coordinates cross-functional execution to deliver a seamless client experience while driving revenue growth and client satisfaction.

Key Responsibilities:

• Acts as the primary structuring lead for complex cash management opportunities and client engagements.
• Partners with Sales and Coverage teams to identify client needs and develop tailored treasury management solutions.
• Leads discovery sessions with clients to understand treasury workflows, cash flow requirements, operating models, payment processes, receivables structures, liquidity objectives, and reporting needs.
• Designs end-to-end cash management solutions leveraging payments, receivables, liquidity management, account services, and digital channel capabilities.
• Develops solution proposals, client presentations, business cases, and supporting documentation for treasury management opportunities.
• Coordinates with Product, Implementation, Operations, Technology, Risk, Compliance, and Legal teams to validate and execute proposed solution structures.
• Serves as a subject matter expert during client presentations, RFP responses, solution workshops, and strategic treasury discussions.
• Supports implementation teams by ensuring structured solutions are accurately documented and transitioned for execution.
• Identifies opportunities to deepen client relationships through additional product utilization, optimization opportunities, and treasury advisory discussions.
• Monitors industry trends, competitor offerings, and emerging treasury practices to enhance solution capabilities and client value propositions.
• Partners with Product Management to communicate client requirements, market opportunities, and enhancement priorities.
• Assists in resolving complex client issues related to solution design, product capabilities, and treasury workflows.
• Develops and maintains structuring standards, solution design frameworks, and best practices.
• Provides guidance and mentorship to junior structuring and treasury solutions professionals.

What You Bring:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required

Qualifications:

• 6+ years of cash management product development, business development or related experience. - Required.
• 6+ years of Financial Services industry experience. - Required.
• Strong expertise in cash management products including payments, receivables, liquidity management, account structures, and digital treasury solutions.
• Demonstrated experience designing and delivering complex treasury management solutions for commercial and corporate clients.
• Strong understanding of treasury operations, working capital management, payment processes, liquidity structures, and cash flow management.
• Experience supporting treasury sales, business development, client advisory, or solution consulting activities.
• Ability to translate client business requirements into scalable and commercially viable treasury solutions.
• Strong analytical, problem-solving, and solution design capabilities.
• Excellent communication and presentation skills with the ability to engage treasury professionals, finance leaders, and senior executives.
• Strong stakeholder management skills with the ability to coordinate multiple cross-functional teams.
• Knowledge of ACH, Wire, RTP, FedNow, SWIFT, ISO 20022, virtual accounts, liquidity structures, host-to-host connectivity, APIs, ERP integrations, and treasury technologies.
• Experience supporting RFPs, client pitches, treasury reviews, and strategic solution discussions is preferred.
• Ability to influence decision-making and drive alignment across business and operational teams.

Certifications:

• CTP or similar treasury certification is a plus.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship:
Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range:

Minimum:

We Value Your Impact:

Your contribution matters and it’s recognized.  You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers.  Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) 

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

What To Do Next:

If this sounds like a role you are interested in, then please apply.