Sr. Associate, Financial Advisor

What You Bring

• Key Responsibilities Client Investment Advice Serve as a senior investment advisor to clients and prospects, providing advice across advisory and brokerage solutions.
• Conduct comprehensive client discovery to assess investment objectives, financial profile, risk tolerance, liquidity needs, income needs, time horizon, tax considerations, investment experience, and product preferences.
• Recommend appropriate investment strategies, products, and account structures based on client needs and applicable regulatory standards.
• Deliver portfolio reviews, investment proposals, market updates, and product-specific recommendations.
• Help clients understand the differences between advisory and brokerage relationships, including fees, discretion, service model, product access, conflicts, and regulatory obligations.
• Maintain ongoing client engagement to review portfolio positioning, market developments, risk exposure, and changes in client circumstances.
• Sales, Revenue, and Business Development Grow investment assets, advisory AUM, brokerage revenue, and overall client penetration.
• Develop and manage a disciplined pipeline of client and prospect opportunities.
• Partner with Private Bankers, Relationship Managers, and other referral sources to identify and convert investment opportunities.
• Deepen existing relationships by identifying unmet investment needs and recommending appropriate solutions.
• Support client acquisition and retention through strong investment expertise, relationship management, and execution follow-through.
• Meet or exceed assigned goals related to revenue, AUM growth, client activity, referrals, and business development.
• Managed Accounts and Advisory Solutions Advise clients on Managed Account solutions, including UMA, SMA, model portfolios, mutual fund advisory programs, ETF portfolios, and third-party manager strategies.
• Position advisory solutions for clients seeking ongoing portfolio management, asset allocation, rebalancing, professional management, and fee-based advice.
• Assist clients in selecting appropriate advisory programs, investment models, managers, strategies, and risk profiles.
• Review advisory relationships periodically to ensure continued alignment with client objectives, risk tolerance, and financial circumstances.
• Support advisory growth by transitioning clients into Managed Account solutions where appropriate and in the client’s best interest.
• Brokerage Solutions Advise clients on brokerage products, including equities, fixed income, structured products, alternatives, CDs, mutual funds, ETFs, and other approved investment products.
• Identify situations where brokerage may be more appropriate than advisory, including transactional needs, fixed income portfolios, concentrated positions, structured product exposure, alternative investments
• customized investment preferences.
• Support client needs related to income generation, liquidity management, capital preservation, diversification, tactical opportunities, and portfolio construction.
• Maintain strong knowledge of product features, risks, costs, liquidity, complexity, concentration, and suitability considerations.
• Ensure brokerage recommendations are properly documented and aligned with client best interest standards.
• Portfolio Construction and Investment Strategy Develop investment recommendations based on client goals, risk profile, market environment, asset allocation, and platform capabilities.
• Review client portfolios for concentration risk, allocation gaps, liquidity needs, income shortfalls, tax considerations, and diversification opportunities.
• Coordinate with internal investment specialists, product teams, and platform resources when specialized expertise is required.
• Translate market views and investment themes into actionable client recommendations.
• Deliver clear explanations of investment rationale, product risks, fees, performance expectations, and portfolio trade-offs.
• Risk, Compliance, and Documentation Maintain strong documentation of client objectives, recommendations, investment rationale, account type selection, suitability, and best interest considerations.
• Operate in accordance with firm policies, supervisory procedures, Reg BI, suitability standards, fiduciary obligations where applicable, and applicable securities regulations.
• Escalate complex product, client, suitability, disclosure, or operational issues to appropriate supervisory or control partners.
• Maintain awareness of product eligibility, concentration limits, liquidity considerations, disclosure obligations, and client communication standards.
• Complete required training, continuing education, licensing requirements, and compliance attestations.
• Internal Partnership Partner with Private Bankers, Relationship Managers, Product, Supervision, Compliance, Operations, Trading, and Managed Account platform teams.
• Act as a senior investment resource for internal partners seeking guidance on client investment opportunities.
• Support business initiatives related to advisory growth, brokerage retention, client segmentation, and platform adoption.
• Mentor or guide less experienced team members where appropriate, while remaining primarily focused on client advice and revenue generation.
• Required Qualifications Bachelor’s degree in Finance, Economics, Business, Accounting
• a related field preferred. 10+ years of experience in a client-facing investment advisory, financial advisor, wealth advisor, private banking, brokerage
• investment sales role.
• Demonstrated track record of advising clients, growing investment relationships, generating revenue, and managing investment sales opportunities.
• Strong experience with both Managed Accounts / advisory solutions and brokerage products .
• Experience advising clients on UMA, SMA, model portfolios, mutual funds, ETFs, advisory programs, and fee-based investment solutions.
• Experience with brokerage products including equities, fixed income, structured products, alternatives, CDs, mutual funds, ETFs, and other approved investment solutions.
• Strong understanding of asset allocation, portfolio construction, income strategies, investment risk, manager/model selection, and product suitability.
• Strong knowledge of Reg BI, suitability, fiduciary obligations where applicable, account type considerations, disclosure requirements, and documentation standards.
• Proven ability to partner with banking, wealth, and relationship teams to source and convert investment opportunities.
• Excellent client-facing communication, presentation, sales, negotiation, and relationship management skills.
• Ability to operate independently with senior clients, complex portfolios, and sophisticated investment needs.
• Preferred Qualifications 12+ years of experience in wealth management, private banking, brokerage, RIA, or broker-dealer environments.
• Experience serving affluent, high-net-worth, ultra-high-net-worth, international, or private bank clients.
• Experience working in a dual advisory and brokerage platform.
• Established track record of growing AUM, advisory penetration, brokerage revenue, and client wallet share.
• Strong familiarity with fixed income, structured products, alternatives, and more sophisticated investment solutions.
• Experience transitioning clients from brokerage to advisory where appropriate and in the client’s best interest.
• Ability to work with complex client situations, including concentrated positions, income-oriented portfolios, cross-border considerations, liquidity events, and legacy brokerage relationships.
• CFP, CFA, CIMA, CAIA, or other investment-related designation preferred but not required.
• Bilingual capabilities are a plus, depending on client segment and market.
• Licenses and Certifications FINRA Series 7 required.
• FINRA Series 66, or Series 65 and Series 63, required.
• SIE required if not already licensed.
• Life, Health, and Variable Annuity license preferred where applicable.
• CFP, CFA, CIMA, CAIA, or similar investment designation is a plus.
• Candidates who do not currently hold all required licenses may be required to obtain them within a defined period after hire, subject to firm policy.
• Key Skills Senior client investment advice Financial advisor sales execution Managed Accounts and advisory platforms Brokerage products Portfolio construction Asset allocation Client discovery and risk profiling Investment proposals and portfolio reviews Revenue and AUM growth Relationship management Reg BI, suitability
• fiduciary awareness Documentation and supervisory discipline Partnership with Private Bankers and Relationship Managers Success Profile The successful candidate will be an experienced investment advisor with more than 10 years of client-facing investment experience and a proven ability to advise clients, build trusted relationships
• grow investment revenue.
• This individual should be able to operate independently with sophisticated clients, lead investment conversations, identify opportunities, and recommend appropriate solutions across both advisory and brokerage platforms.
• The ideal candidate will understand that Managed Accounts are a key growth priority , particularly for clients seeking ongoing portfolio management and fee-based advice
• brokerage remains an important and necessary capability for clients with transactional, fixed income, structured product, alternative investment, concentrated position
• customized investment needs.
• This role requires someone who can balance commercial execution with strong risk discipline, regulatory awareness, and documentation standards.
• 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: $123,750.00 USD Maximum: $225,000.00 USD 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.
• EEO Statement: At Santander, we value and respect differences in our workforce.
• We actively encourage everyone to apply.
• Santander is an equal opportunity employer.
• All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.
• Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role.
• Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
• Employer Rights: This job description does not list all of the job duties of the job.
• You may be asked by your supervisors or managers to perform other duties.
• You may be evaluated in part based upon your performance of the tasks listed in this job description.
• The employer has the right to revise this job description at any time.
• This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.
• What To Do Next : If this sounds like a role you are interested in, then please apply.
• We are committed to providing an inclusive and accessible application process for all candidates.
• If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.