Risk & Compliance Manager

About the opportunity

As a Risk & Compliance Manager you will play a crucial role in safeguarding N26's operations while also actively contributing to our day-to-day processes. This is a unique hybrid role where you will split your time equally between strategic risk and compliance responsibilities and operational tasks (underwriting, AML & AFC), allowing you to see the direct impact of your work.

In this role, you will:

Risk & Compliance (50%)

• Develop, implement, and maintain risk and compliance frameworks, policies, and procedures
• Conduct risk assessments and identify potential vulnerabilities related to credit risk, fraud risk, and regulatory compliance.
• Monitor and analyze relevant regulatory developments and assess their impact on N26's operations.
• Provide expert advice and guidance to internal stakeholders on risk and compliance matters, especially concerning underwriting decisions and processes.
• Support the development and delivery of risk and compliance training programs.
• Contribute to the preparation of regulatory reports and filings.
• Participate in internal audits and regulatory inspections.
• Support the implementation and monitoring of KYC/AML procedures.

Operational (50%)

• Actively participate in the (re-)underwriting process, reviewing and assessing credit applications in line with established policies.
• Contribute to the continuous improvement of our underwriting processes and decision-making frameworks.
• Ensure compliant and efficient operational workflows.
• Investigate and resolve complex underwriting-related issues and escalations.
• Support the implementation of new products and features, ensuring compliance from the outset.
• Contribute to data analysis and reporting related to underwriting performance and risk metrics.

What you need to be successful:

• Proven experience (3+ years) in a risk and compliance role within the financial services industry, with a focus on underwriting.
• Solid understanding of risk management principles and compliance frameworks.
• Demonstrable experience in applying regulatory requirements to operational processes.
• A proactive and hands-on mentality with a strong problem-solving attitude.
• Excellent analytical and communication skills, with the ability to explain complex issues clearly and concisely.
• Ability to work independently and as part of a small, high-performing team.
• Experience in a FinTech or high-growth environment, is a plus.
• Proficiency in English and Dutch (verbal and written).
• Proficiency in German, is an advantage.

What’s in it for you:

• Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.
• Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation. 
• As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.    
• Additional day of annual leave for each year of service.  
• A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses. 
• A relocation package with visa support for those who need it.

Who we are

N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do. 

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Sounds good? Apply now for this position.

Equal Opportunities:

We recognize that our strength lies in our people and the varied perspectives they bring to our workforce. We strive to build talented and diverse teams to drive our business success and empower our people to reach their full potential.

We genuinely welcome and encourage applications from people of all backgrounds, cultures, genders, sexual orientations, abilities, neurodiversities, and ages. We're committed to creating an inclusive workspace where everyone feels valued and respected, free from harassment and discrimination. If there's anything you need to make the application process work for you, please let us know by reaching out to candidate.exp@n26.com. 

Visit our website to learn more about Diversity, Equity, & Inclusion at N26.