Director, HNW Wealth Planner

Director, HNW Wealth Planner Country: United States of America

It Starts Here:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and 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.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

The Director, HNW Wealth Planner provides advanced financial planning, cross-border tax strategy, and holistic wealth guidance for high-net-worth (HNW) domestic and international clients within a broker-dealer environment. This role partners with financial advisors, relationship managers, and product teams to deliver customized planning solutions covering multi-jurisdictional tax considerations, estate planning, wealth transfer, philanthropic strategies, and investment-related tax optimization. The ideal candidate blends deep financial planning expertise, strong U.S. and international tax knowledge, and the ability to communicate complex matters to sophisticated global clients.

Wealth & Financial Planning

Deliver comprehensive wealth plans for HNW individuals, families, and global households with U.S. and non-U.S. connections.

• Analyze client goals related to retirement, cash flow, liquidity planning, trust and estate planning, and legacy considerations.
• Build customized planning strategies covering investment allocation, risk management, concentrated equity positions, alternatives, and structured product exposure.
• Prepare planning presentations, deliverables, and scenario analyses for advisors and key clients.

Tax Strategy & Cross-Border Analysis

Provide guidance on U.S. tax considerations for HNW global clients, including inbound/outbound planning, residency issues, reporting obligations, and cross-border asset structures.

• Evaluate tax implications of investments including municipal bonds, international fixed income, PFICs, alternatives, and structured solutions.
• Support advisors and clients with tax-efficient strategies such as asset location, charitable gifting, and estate planning techniques.
• Partner with Legal/Compliance on FATCA, CRS, and foreign reporting rules impacting global clients.

Advisor & Client Collaboration

Serve as an advanced planning resource for financial advisors supporting HNW and international households.

• Participate in client meetings to present planning recommendations and tax-informed strategies.
• Work closely with the broker-dealer's lending, trust, investment, and wealth strategy teams to deliver integrated recommendations.

Regulatory, Compliance & Documentation Support

Ensure all planning recommendations adhere to FINRA, SEC, Reg BI, and internal supervisory expectations.

• Maintain documentation that demonstrates suitability, tax rationale, and planning assumptions.
• Support due diligence for cross-border clients including KYC/AML considerations and product eligibility limitations.

Education & Internal Leadership

Train advisors on planning techniques, tax considerations, cross-border complexities, and wealth strategies.

• Create planning tools, case studies, and internal reference materials for the field.
• Participate in thought leadership initiatives on global HNW trends and tax legislation changes.

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.

• Bachelor's Degree or equivalent work experience: Business, Finance or equivalent field. - Required.
• 9+ years of wealth planning, tax advisory, or private wealth experience.
• Strong understanding of U.S. tax code (individual, trust, investment) and familiarity with cross-border tax principles.
• Experience working with HNW clients, global families, expatriates, or international investors.
• Strong financial modeling, analytical, and communication skills.
• Proven experience with HNW/UHNW client structures, including trusts, estates, foundations, family offices, and discretionary mandates.
• Demonstrated management, leadership and interpersonal skills.
• Demonstrated marketing and marketing research skills.
• Thorough knowledge of competitive market, operations and various products and services within assigned area.
• Well-developed oral and written communication skills.
• Strong financial and competitive analysis and PC skills.

Certifications:

• Active FINRA Series 7 required - Required.
• Active Series 66 (or Series 63 and 65) licenses - Required.

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.
• Experience in Microsoft Office products.

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.