Transactional Banking & Liabilities Lawyer | S | Santander Corporate & Commercial Banking (CCB) | LondonCountry: United Kingdom
IT STARTS HERE
Santander () is evolving from a global, high-impact brand into a technology-driven organisation, 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 contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.
Retail & Commercial Banking is a global business integrating all our retail and commercial banking activities to better serve our customers, improve efficiency and drive value creation.
THE DIFFERENCE YOU MAKE
Santander Corporate & Commercial Banking (CCB) is looking for a Transactional Banking & Liabilities Lawyer based out of London.
This role sits within the CCB Legal team, supporting the Transactional Banking and Liabilities business. You will provide legal advice across a broad suite of cash management, payments, and account products, supporting both strategic initiatives and business-as-usual activities. You will work closely with product, risk, compliance, and front-office teams to enable safe, compliant, and efficient delivery of client solutions.
We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for:
1. Providing legal advice on transactional banking and liabilities products including accounts, cash management, and payment services
2. Drafting and negotiating commercial contracts, client documentation, and product terms and conditions
3. Supporting product development, change initiatives, and digital platform evolution
4. Advising on UK and EU payments regulation and financial crime frameworks
5. Identifying, assessing, and escalating legal and regulatory risks
6. Partnering with stakeholders across product, risk, compliance, operations, and technology
7. Delivering timely, pragmatic legal advice aligned with risk appetite
8. Driving innovation and continuous improvement, including use of legal technology and AI tools
WHAT YOU’LL BRING
Our people are our greatest strength. Every individual contributes unique perspectives that make us stronger as a team and as an organisation. We’re enabling teams to go beyond by valuing who they are and empowering what they bring.
The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Professional Experience
9. Qualified lawyer with experience in banking, financial services, or commercial contracts (Required)
10. Experience advising on transactional banking products, cash management, or payments (Preferred)
11. Experience working with digital banking platforms or connectivity solutions (Preferred)
Education
12. Law degree or equivalent legal qualification (Required)
Languages
13. English (Required)
Hard Skills
14. Strong drafting and negotiation skills (Required)
15. Working knowledge of payments regulation and financial crime frameworks (Preferred)
16. Understanding of legal risk management principles (Preferred)
Soft Skills
17. Strong stakeholder management and communication skills
18. Commercial mindset with ability to balance risk and business objectives
19. Proactive, adaptable, and solutions-focused approach
WE VALUE YOUR IMPACT
At Santander, your contribution matters. We recognise the difference you make every day, and we make sure you feel valued, supported and rewarded in return.
Here, recognition goes beyond pay. It’s about the pride you feel in your work, the impact you have on customers and communities, and the opportunities you have to grow and thrive — personally and professionally.
20. days’ holiday plus bank holidays, which increases to days after yrs service, with the option to purchase up to contractual days per year
21. £, car allowance per year
22. Company funded individual private medical insurance
23. Protection for you and your family, with company-funded death-in-service benefit and income protection insurance, and the option to take advantage of discounted rates for additional life assurance and critical illness cover.
24. Share in Santander’s success by saving or investing in our share plans.
25. As a Santander UK employee, you are able to request staff versions of our products like our Edge Current Accounts and Credit Cards with no fees, as well as apply to many other deals and discounts in Santander products and services
26. Competitive rewards that reflect the real impact you make and the value you bring.
27. Wellbeing that goes beyond work — we work with a range of wellbeing partners across our pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support.
28. Support for every life stage — from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support.
29. Time to give back through volunteering opportunities that let you make a difference in the communities we serve.
30. Global growth opportunities to shape your career, learn new skills and explore what’s possible across our international network.
Ready to be recognised? It starts with you.
LOCAL COMPLIANCE
At Santander, we’re proud to be an inclusive organisation that provides equal opportunities for everyone — regardless of age, gender, disability, civil status, race, religion or sexual orientation.
We’re committed to creating a recruitment experience that’s accessible, fair and welcoming for all candidates.
We want our people to thrive — at work and at home — while delivering the best outcomes for our customers and supporting each other to grow.
To make this possible, our roles are site-based with a hybrid working pattern, where colleagues are expected to attend the office at least days per month (pro-rata for part-time roles).
When applying, please consider the travel distance, time and cost to your chosen office location(s).
Right to work in the UK
31. Every individual must have the right to work in the UK to commence employment with Santander either by way of nationality, visa or work permit. If you do require a working visa / permit this will not influence our decision on whether to progress your application. However, if you do not have a right to work, or an application for a working visa / permit is unsuccessful, Santander will not proceed with your application and will withdraw any conditional offer previously made.
We welcome applications on the understanding that, should you be offered this role, there may be no relocation package available. Santander will pay the employer mandatory government fees that are required to pay in connection with visa sponsorship. You may be liable for your own personal employee immigration and relocation costs.
WHAT TO DO NEXT