About the opportunity

We are seeking a Manager Risk Controlling to help us further develop and strengthen our Risk Controlling function with a focus on steering interest rate risk in the banking book. 

As part of the ICAAP Methodology & Analytics team, you will be supporting with model development, implementation and data analysis for risk controlling, with a focus on Pillar II and interest rate risk in the banking book. You will contribute to assessing, controlling, and reporting N26’s risks while ensuring effective collaboration across various teams and stakeholders.

At N26, we are redefining banking through technology and innovation. As Manager Market Risk, you will have the opportunity to shape the future of risk management in a fast-paced, forward-thinking environment. Join us and be part of a team that values collaboration, innovation, and excellence.

In this role, you will:

• Contribute to the development, implementation and maintenance of advanced risk measurement methodologies specifically for Interest Rate Risk in the Banking Book (IRRBB) and Credit Spread Risk in the Banking Book, including metrics like EVE (Economic Value of Equity) and NII (Net Interest Income) sensitivity. Ensure full compliance with relevant regulatory requirements (e.g., MaRisk, EBA Guidelines on IRRBB and CSRBB).
• Lead the design, implementation and monitoring of pricing and valuation models for interest rate derivatives, including centrally cleared derivatives and swaptions.
• Establish and maintain the architectural design of risk limits for IRRBB and associated derivatives, providing expert advice on hedging strategies and their methodological impact.
• Spearhead cross-functional initiatives to improve the quality, governance, and lineage of core balance sheet and derivative data used in IRRBB, CSRBB and liquidity risk calculations.
• Ensure the development of a robust, audit-proof testing environment for all new methodology and code releases, establishing best-practice documentation.
• Act as the primary methodological expert and project lead for cross-functional, risk-related projects with significant IRR or derivative components (e.g., new product approvals, core banking system migrations, implementation of new hedging programs).
• Lead and coordinate interactions with internal and external auditors and regulators (e.g., EBA, national central banks) regarding the adequacy, compliance, and robustness of market risk methodologies and derivative valuation practices.

What you need to be successful:

Background: 

• Quantitative academic background: Master’s in statistics, mathematics, business/economics, or a similar field with a quantitative focus. Additional professional certification (e.g. CFA, FRM) is a plus.
• 5+ years of practical experience in an active risk controlling function with experience in IRRBB, CSRBB and interest rate derivatives from a regulated financial institution. Experience with repos, secured lending and other risk types is a strong plus.

Skills: 

• Knowledge of VaR and stress testing methodologies, with practical experience in model development, implementation, and governance, preferably with a focus on market risk.
• Solid understanding of the overall ICAAP and interest rate risk related KRIs. Experience with IDW RS BFA 3 and/or hedge accounting is a strong plus.
• Solid knowledge of European and/or German regulations (e.g. EBA Guidelines, MaRisk) and experience dealing with (external) audits is a strong plus.
• Strong proficiency in SQL and Python for quantitative analysis.
• Strong analytical and quantitative skills, with the ability to independently generate actionable insights from complex data.
• Previous experience with independent price verification processes and related requirements is a strong plus.
• Experience with data governance and data quality management processes is a strong plus.
• Fluent English (German is a plus).

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.

About the opportunity

We are seeking a Manager Risk Controlling to help us further develop and strengthen our Risk Controlling function with a focus on steering interest rate risk in the banking book. 

As part of the ICAAP Methodology & Analytics team, you will be supporting with model development, implementation and data analysis for risk controlling, with a focus on Pillar II and interest rate risk in the banking book. You will contribute to assessing, controlling, and reporting N26’s risks while ensuring effective collaboration across various teams and stakeholders.

At N26, we are redefining banking through technology and innovation. As Manager Market Risk, you will have the opportunity to shape the future of risk management in a fast-paced, forward-thinking environment. Join us and be part of a team that values collaboration, innovation, and excellence.

In this role, you will:

• Contribute to the development, implementation and maintenance of advanced risk measurement methodologies specifically for Interest Rate Risk in the Banking Book (IRRBB) and Credit Spread Risk in the Banking Book, including metrics like EVE (Economic Value of Equity) and NII (Net Interest Income) sensitivity. Ensure full compliance with relevant regulatory requirements (e.g., MaRisk, EBA Guidelines on IRRBB and CSRBB).
• Lead the design, implementation and monitoring of pricing and valuation models for interest rate derivatives, including centrally cleared derivatives and swaptions.
• Establish and maintain the architectural design of risk limits for IRRBB and associated derivatives, providing expert advice on hedging strategies and their methodological impact.
• Spearhead cross-functional initiatives to improve the quality, governance, and lineage of core balance sheet and derivative data used in IRRBB, CSRBB and liquidity risk calculations.
• Ensure the development of a robust, audit-proof testing environment for all new methodology and code releases, establishing best-practice documentation.
• Act as the primary methodological expert and project lead for cross-functional, risk-related projects with significant IRR or derivative components (e.g., new product approvals, core banking system migrations, implementation of new hedging programs).
• Lead and coordinate interactions with internal and external auditors and regulators (e.g., EBA, national central banks) regarding the adequacy, compliance, and robustness of market risk methodologies and derivative valuation practices.

What you need to be successful:

Background: 

• Quantitative academic background: Master’s in statistics, mathematics, business/economics, or a similar field with a quantitative focus. Additional professional certification (e.g. CFA, FRM) is a plus.
• 5+ years of practical experience in an active risk controlling function with experience in IRRBB, CSRBB and interest rate derivatives from a regulated financial institution. Experience with repos, secured lending and other risk types is a strong plus.

Skills: 

• Knowledge of VaR and stress testing methodologies, with practical experience in model development, implementation, and governance, preferably with a focus on market risk.
• Solid understanding of the overall ICAAP and interest rate risk related KRIs. Experience with IDW RS BFA 3 and/or hedge accounting is a strong plus.
• Solid knowledge of European and/or German regulations (e.g. EBA Guidelines, MaRisk) and experience dealing with (external) audits is a strong plus.
• Strong proficiency in SQL and Python for quantitative analysis.
• Strong analytical and quantitative skills, with the ability to independently generate actionable insights from complex data.
• Previous experience with independent price verification processes and related requirements is a strong plus.
• Experience with data governance and data quality management processes is a strong plus.
• Fluent English (German is a plus).

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.

About the opportunity

Are you ready to take the next step in your career? N26 is looking for a Team Lead to lead and further develop the Risk Governance & Capital Planning team.

In this role, you will take ownership of key risk controlling processes across capital and liquidity adequacy, with a focus on Pillar 1 topics within the normative perspective of the ICAAP framework as well as ILAAP. You will ensure alignment with regulatory requirements and internal risk strategy while further strengthening governance frameworks, methodologies, and risk controlling practices.

As the lead of the team, you will guide and develop team members and play a key role in assessing, controlling, and reporting N26’s risks. You will collaborate closely with cross-functional stakeholders and act as a key counterpart for auditors and regulators.

In this role, you will:

• Lead and develop the Risk Governance & Capital Planning team, providing guidance, mentorship, and expertise across ICAAP (Pillar 1) and ILAAP topics
• Own and further enhance capital planning processes and Pillar 1 ICAAP governance, including stress testing frameworks and scenario design
• Own and further develop the ILAAP framework, including liquidity risk methodologies, stress testing, and key liquidity risk metrics
• Oversee key risk governance components, including RWA calculation, risk appetite framework, risk policies, limit setting and monitoring, and internal controls
• Own and further develop the risk inventory and recovery plan (Sanierungsplan), ensuring consistency across capital and liquidity perspectives
• Drive the continuous improvement of risk reporting across ICAAP and ILAAP, delivering high-quality, data-driven insights for senior management
• Ensure strong data governance and data quality in line with BCBS 239 principles for key inputs used for capital and liquidity risk assessments (e.g. balance sheet, RWA, liquidity metrics).
• Ensure adherence to regulatory requirements (e.g., MaRisk, CRR, ICAAP and ILAAP guidelines, EBA regulatory expectations), act as key contact for auditors and regulators, and collaborate closely with cross-functional stakeholders (e.g., Finance, Treasury, Risk)
• Leverage a passion for and a track record of using state-of-the-art technology to simplify processes, automate risk controlling workflows, and increase overall operational efficiency.

What you need to be successful:

Background: 

• Master’s degree in business/economics, finance, mathematics, or a related field
• 7+ years of experience in risk management, risk controlling, capital planning, liquidity risk, or a related function within a regulated financial institution or leading consultancy
• Strong experience across ICAAP, capital planning, and/or ILAAP and liquidity risk management
• Proven experience in leading or mentoring team members and driving complex initiatives

Skills: 

• Strong understanding of ICAAP frameworks (Pillar 1 focus), including capital planning, risk inventory, stress testing, and recovery planning
• Strong understanding of ILAAP frameworks and liquidity risk management, including liquidity stress testing, funding risk, and key metrics (e.g. survival horizon, maturity transformation)
• Extensive knowledge of regulatory requirements (e.g., MaRisk, CRR, ICAAP and ILAAP guidelines, EBA regulatory expectations)
• Strong expertise in risk governance frameworks, including risk appetite, policies, internal controls, and decision-making frameworks
• Experience in designing and enhancing methodologies across capital and liquidity risk (e.g. stress testing, scenario design, capital planning processes)
• Strong understanding of data flows, data quality, and governance of key risk inputs (e.g. balance sheet, RWA, liquidity metrics)
• Strong analytical, conceptual, and stakeholder management skills, with the ability to independently drive topics and communicate complex issues effectively
• Fluent English; German is a strong 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.

About the opportunity

Are you ready to take the next step in your career? N26 is looking for a Team Lead to lead and further develop the Risk Governance & Capital Planning team.

In this role, you will take ownership of key risk controlling processes across capital and liquidity adequacy, with a focus on Pillar 1 topics within the normative perspective of the ICAAP framework as well as ILAAP. You will ensure alignment with regulatory requirements and internal risk strategy while further strengthening governance frameworks, methodologies, and risk controlling practices.

As the lead of the team, you will guide and develop team members and play a key role in assessing, controlling, and reporting N26’s risks. You will collaborate closely with cross-functional stakeholders and act as a key counterpart for auditors and regulators.

In this role, you will:

• Lead and develop the Risk Governance & Capital Planning team, providing guidance, mentorship, and expertise across ICAAP (Pillar 1) and ILAAP topics
• Own and further enhance capital planning processes and Pillar 1 ICAAP governance, including stress testing frameworks and scenario design
• Own and further develop the ILAAP framework, including liquidity risk methodologies, stress testing, and key liquidity risk metrics
• Oversee key risk governance components, including RWA calculation, risk appetite framework, risk policies, limit setting and monitoring, and internal controls
• Own and further develop the risk inventory and recovery plan (Sanierungsplan), ensuring consistency across capital and liquidity perspectives
• Drive the continuous improvement of risk reporting across ICAAP and ILAAP, delivering high-quality, data-driven insights for senior management
• Ensure strong data governance and data quality in line with BCBS 239 principles for key inputs used for capital and liquidity risk assessments (e.g. balance sheet, RWA, liquidity metrics).
• Ensure adherence to regulatory requirements (e.g., MaRisk, CRR, ICAAP and ILAAP guidelines, EBA regulatory expectations), act as key contact for auditors and regulators, and collaborate closely with cross-functional stakeholders (e.g., Finance, Treasury, Risk)
• Leverage a passion for and a track record of using state-of-the-art technology to simplify processes, automate risk controlling workflows, and increase overall operational efficiency.

What you need to be successful:

Background: 

• Master’s degree in business/economics, finance, mathematics, or a related field
• 7+ years of experience in risk management, risk controlling, capital planning, liquidity risk, or a related function within a regulated financial institution or leading consultancy
• Strong experience across ICAAP, capital planning, and/or ILAAP and liquidity risk management
• Proven experience in leading or mentoring team members and driving complex initiatives

Skills: 

• Strong understanding of ICAAP frameworks (Pillar 1 focus), including capital planning, risk inventory, stress testing, and recovery planning
• Strong understanding of ILAAP frameworks and liquidity risk management, including liquidity stress testing, funding risk, and key metrics (e.g. survival horizon, maturity transformation)
• Extensive knowledge of regulatory requirements (e.g., MaRisk, CRR, ICAAP and ILAAP guidelines, EBA regulatory expectations)
• Strong expertise in risk governance frameworks, including risk appetite, policies, internal controls, and decision-making frameworks
• Experience in designing and enhancing methodologies across capital and liquidity risk (e.g. stress testing, scenario design, capital planning processes)
• Strong understanding of data flows, data quality, and governance of key risk inputs (e.g. balance sheet, RWA, liquidity metrics)
• Strong analytical, conceptual, and stakeholder management skills, with the ability to independently drive topics and communicate complex issues effectively
• Fluent English; German is a strong 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.

About the opportunity

We are currently seeking an AFC Associate / SAR Delegate (Déclarant Tracfin) to join the French MLRO function. In this role, you will be responsible for coordinating and taking ownership of key Anti-Financial Crime Operations activities, including decision-making on matters such as: review AML-CFT investigations, support the teams in charge of ongoing due diligence and EDD process (including decisions on requests for information to the customer), as well as review and submission of SARs. You will be the reference point of contact for our AFC and KYC Operations team, you will support them with your guidance and participate in their upscaling.  

In this role, you will:

• Review investigations made by the AFC Operations department.
• Assist AFC Operations on their investigations.
• Oversee complex case investigations, sanctions reviews, and other AFC related processes.
• Review and submit SARs, ensuring quality according to Tracfin and ACPR expectations.
• Act as Déclarant Tracfin.
• Review complex Authority Requests.
• Provide individual and collective guidelines to AFC operations analysts. 
• Prepare necessary templates for AFC Ops communication with customers.
• Implement and improve local procedures based on the local regulatory challenges and the group’s standard.
• Coordination with other operational functions working on the French market.

What you need to be successful:

Background: 

• Graduated in law (Ecole de droit/Master II) or from a Grande Ecole - or alike. 
• A Bank Financial Crime background, operational experience in an international setting and you are before all an excellent investigator - you have experience in SAR drafting (having a first experience in a ‘déclarant Tracfin’ role is a plus). 
• Professional experience gained in anti-financial crime, with at least 3 years of experience. 
• Proven experience in operational functions, including  investigation, and SAR drafting but also transaction monitoring, sanctions and adverse media screening. 

Skills: 

• In-depth knowledge of European and French regulations on Financial Crime (KYC, AML, terrorism financing, fraud, tax evasion, sanctions…)
• Deep investigation skills
• Fluent in French and English (spoken and written)
• Excellent communication skills and ability to work with a wide variety of stakeholders
• Hardworking, strong team player, benevolent and resilient
• Diligent and reliable, solution driven and committed, ability to work under pressure
• Strong analytical, advisory skills, high quality standards and attention to detail
• You should enjoy a fast-paced working environment, show high willingness to learn 
• You combine a supportive approach with consistently high standards of quality
• Actively help yourself (and others) to be successful 
• Continuously learn and challenge the status quo 
• Think globally, act locally

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, Swile vouchers, public transportation, work from home/from abroad and more.
• 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.

Risk Controlling Manager, Liquidity Risk (ILAAP)

About the opportunity

We are seeking a Manager Risk Controlling to help us further develop and strengthen our Risk Controlling function with a focus on the Internal Liquidity Adequacy Assessment Process (ILAAP) and overall Liquidity Risk Management.

As part of the Risk Controlling team, you will lead the development, implementation, and analysis of models for liquidity risk controlling, covering both regulatory requirements (Pillar I) and internal methodologies. You will ensure that N26 maintains a robust liquidity position through advanced modelling, stress testing, and expert methodological guidance.

At N26, we are redefining banking through technology and innovation. As a Risk Controlling Manager with a focus on ILAAP and liquidity risk, you will have the opportunity to shape the future of risk management in a fast-paced, forward-thinking environment. Join us and be part of a team that values collaboration, innovation, and excellence.

In this role, you will:

• Lead the design, maintenance, and continuous improvement of the ILAAP framework, ensuring it accurately reflects the firm's liquidity adequacy and risk appetite.
• Develop and enhance advanced methodologies for measuring liquidity risk, including internal liquidity maturity ladders, survival period analysis, and intraday liquidity metrics.
• Spearhead the design and calibration of comprehensive liquidity stress scenarios, identifying potential vulnerabilities and challenging qualitative assumptions.
• Ensure full compliance with relevant European and German regulatory requirements, such as MaRisk and EBA Guidelines on ILAAP, while overseeing regulatory liquidity reporting standards.
• Establish and maintain the architectural design of risk limits for liquidity and funding, providing expert advice on limit calibration and remediation strategies.
• Lead initiatives to improve the quality, governance, and lineage of core balance sheet data used in liquidity risk and ILAAP calculations.
• Act as the primary methodological expert and project lead for interactions with internal/external auditors and regulators (e.g., EBA, national central banks) regarding the adequacy and robustness of liquidity risk practices

What you need to be successful:

Background: 

• Quantitative academic background (Master's in statistics, mathematics, economics, or a similar field). Professional certifications like CFA or FRM are a plus.
• 5+ years of practical experience in a risk controlling function or a leading consultancy (Big Four), with deep expertise in Liquidity Risk and ILAAP within a regulated financial institution.

Skills: 

• Strong understanding of the overall ILAAP framework, maturity transformation, and liquidity-related KRIs.
• Strong proficiency in SQL and Python for quantitative analysis and data-driven insights.
• Strong analytical and quantitative skills, with the ability to independently generate actionable insights from complex data.
• Ability to work independently, form sound judgments on complex risk topics, and communicate effectively with senior stakeholders and regulators.
• Experience with data governance and data quality management processes is a strong plus.
• Fluent English is required; German language skills are a plus

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.

ICT GRC - Risk & Compliance Manager (fluent German required)

About the opportunity

Are you ready to take the next step in your career? As an ICT GRC - Risk & Compliance Manager, you will play a pivotal role in shaping how we manage IT risks in an increasingly AI-driven financial landscape.

In this role, you’ll be at the forefront of risk management and compliance, ensuring our IT systems remain secure, resilient, and aligned with evolving regulations. You’ll work closely with tech, security, and compliance teams to strengthen risk frameworks, enhance resilience, and drive smarter decision-making.

As AI and automation become essential in risk management, you’ll help explore and implement automation and AI-driven solutions to improve risk assessments, identify emerging threats, and streamline compliance processes. This is an opportunity to not just keep up with change, but to help shape it.

If you're looking for a role where AI, automation, and ICT Risk and compliance intersect, and where your expertise can have a real impact, this is it.

In this role you will

• Function as a key member of the bank's risk function (Second Line of Defense), reporting directly to the Deputy CISO and maintaining close collaboration with First Line of Defense teams on matters of ICT risk management.
• Actively engage in the ICT Risk Management process, encompassing proactive risk assessment, analysis, treatment plan identification, mitigation, and ongoing monitoring.
• Drive the maturity of the ICT Risk Management framework in adherence to DORA act.
• Proactively conduct risk assessments to identify ICT risks within the bank's IT infrastructure and propose appropriate mitigation strategies.
• Collaborate with cross-functional teams, including product, technology, security, and other First Line of Defense teams, to identify and implement risk treatment plans.
• Maintain the ICT risk register, ensuring the accuracy and completeness of ICT risks.
• Proactively report progress and updates to the team, providing detailed reports and presentations on the status of identified risks, mitigation efforts, and compliance.
• Leverage artificial intelligence tools and technologies to enhance risk management and compliance processes.
• Ensure that all communication is clear, actionable, and aligned with the bank's overarching risk management strategy. Facilitate regular meetings with key stakeholders to discuss risk status, challenges, and next steps, fostering a culture of continuous improvement and proactive risk management.

What you need to be successful

Background

• Bachelor`s degree in Information Technology, Computer Science, Information Security, or a related field.
• Professional certifications such as CISA / CISM / CRISC, or equivalent are highly desirable.
• Minimum of 6 years of experience in IT risk management, information security, and compliance, preferably within the banking or financial services industry.
• In-depth knowledge of relevant regulatory requirements, such as MaRisk, BAIT, DORA and industry standards such as ISO 27001/27002, NIST, etc.
• Strong understanding of IT infrastructure, network security, application security, and cloud security.

• Should be able to leverage AI tools and techniques to enhance risk assessment, compliance monitoring, and the identification of emerging threats.

Skills

• Excellent analytical and problem-solving skills, with the ability to identify and assess complex IT and information security risks.
• Possesses expertise in assessing, writing and managing IT risks, threats and the ability to connect it with the appropriate controls.
• Ability to proactively recommend improvements to the area based on your expertise, as well as drive and operationalize the necessary changes required
• Strong project management skills with the ability to manage multiple tasks and projects simultaneously.
• Ability to manage the ICT Risk Management process from end to end
• Proficiency in using Enterprise GRC tools such OneTrust / ServiceNow GRC and ability to use AI-driven technologies for compliance and risk management is a plus.
• Effective communication and interpersonal skills, with the ability to explain technical concepts to non-technical stakeholders.
• Strong report-writing and presentation skills.
• Fluency in English required, as well as fluency in German

Traits

• Adaptable and open to learning, with a keen interest in staying up-to-date with the latest trends and developments in IT and information security.
• Detail-oriented and meticulous in ensuring accuracy and thoroughness in all tasks.
• Proactive and self-motivated, with the ability to work independently and as part of a team.
• Collaborative, able to work well with teams and stakeholders.
• Strong topic ownership and a bias for action.
• Critical thinking and a drive to improve the status quo.
• Both attention to detail and strong conceptual thinking.
• Flexibility in a fast-changing and agile environment.
• Actively help oneself and the team to be successful.
• Willingness to continuously learn and act upon direct feedback.
• High ethical standards and integrity, with a strong commitment to confidentiality and data protection.

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.

Traits

• Adaptable and open to learning, with a keen interest in staying up-to-date with the latest trends and developments in IT and information security.

• Passion for risk management, internal controls, and complex problem-solving.

• Detail-oriented and meticulous in ensuring accuracy and thoroughness in all tasks.

• Proactive and self-motivated, with the ability to work independently and as part of a team.

• Collaborative, able to work well with teams and stakeholders.

• Strong topic ownership and a bias for action.

• Critical thinking and a drive to improve the status quo.

• Both attention to detail and strong conceptual thinking.

• Flexibility in a fast-changing and agile environment.

• Actively help oneself and the team to be successful.

• Willingness to continuously learn and act upon direct feedback.

• High ethical standards and integrity, with a strong commitment to confidentiality and data protection.

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.    

• Vacation days vary depending on your location of work. 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. 

Founded in 2013, N26 now has more than 8 million customers in 24 markets. 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.

N26 is an equal opportunity employer and values diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status or disability status.

About the opportunity

We are currenlty looking for an AFC Senior Associate / SAR Delegate to join our French MLRO team in a high-impact, hands-on role at the heart of our Anti-Financial Crime operations.

In this position, you will take ownership of critical AFC activities, including leading AML-CFT investigations, supporting ongoing due diligence and enhanced due diligence (EDD) processes, and reviewing and submitting Suspicious Activity Reports (SARs). You will play a key role in decision-making, particularly around investigative outcomes and customer information requests.

As a trusted subject matter expert, you will act as a central point of contact for our AFC and KYC Operations teams - providing guidance, sharing your expertise, and actively contributing to the upskilling of colleagues. This role offers the opportunity to combine deep investigative work with a strong coaching and leadership dimension.

You will work in a fast-paced, international, and tech-driven environment, collaborating closely with Compliance, AFC, and global stakeholders. Acting as correspondant/déclarant Tracfin, you will also contribute to regulatory engagement and communication with relevant authorities.

This is an excellent opportunity for a seasoned financial crime professional who is passionate about investigations, enjoys driving operational excellence, and is motivated to make a tangible impact while developing others.

In this role, you will:

• Review investigations made by the AFC Operations department.
• Assist AFC Operations on their investigations.
• Oversee complex case investigations, sanctions reviews, and other AFC related processes.
• Draft, review and submit SARs, ensuring quality according to Tracfin and ACPR expectations.
• Act as Correspondant/Déclarant Tracfin.
• Review complex Authority Requests.
• Provide guidelines individually and collectively. Prepare and deliver formal training. 
• Prepare necessary templates for AFC Ops communication with customers.
• Implement and improve local procedures based on the local regulatory challenges and the group’s standard.
• Coordination with other operational functions working on the French market.

What you need to be successful:

Background:

• Graduated in law (Ecole de droit/Master II) or from a Grande Ecole - or alike. 
• Professional experience gained in anti-financial crime, with at least 5 years of experience. 
• Proven experience in operational functions, including  investigation, and SAR drafting but also transaction monitoring, sanctions and adverse media screening. 

Skills: 

• In-depth knowledge of European and French regulations on Financial Crime (KYC, AML, terrorism financing, fraud, tax evasion, sanctions…)
• Deep investigation expertise
• Fluency in French and English (spoken and written)
• Excellent communication skills and ability to work with a wide variety of stakeholders
• Proven ability to liaise with the French Authorities
• Hardworking, strong team player, benevolent and resilient
• Diligent and reliable, solution driven and committed, ability to work under pressure
• Strong analytical, advisory skills, high quality standards and attention to detail
• You have a hands-on mentality and take ownership 
• You should enjoy a fast-paced working environment, show high willingness to learn and work autonomously to grasp new topics

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, Swile vouchers, public transportation, work from home/from abroad and more. 
• 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, experiences, and backgrounds. 
• 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.

Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!

Equal opportunities for all

At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.

We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!

Discover more about Diversity & Inclusion at N26: https://n26.com/en-eu/diversity-and-inclusion

Risk Controlling Manager, Liquidity Risk (ILAAP)

About the opportunity

We are seeking a Manager Risk Controlling to help us further develop and strengthen our Risk Controlling function with a focus on the Internal Liquidity Adequacy Assessment Process (ILAAP) and overall Liquidity Risk Management.

As part of the Risk Controlling team, you will lead the development, implementation, and analysis of models for liquidity risk controlling, covering both regulatory requirements (Pillar I) and internal methodologies. You will ensure that N26 maintains a robust liquidity position through advanced modelling, stress testing, and expert methodological guidance.

At N26, we are redefining banking through technology and innovation. As a Risk Controlling Manager with a focus on ILAAP and liquidity risk, you will have the opportunity to shape the future of risk management in a fast-paced, forward-thinking environment. Join us and be part of a team that values collaboration, innovation, and excellence.

In this role, you will:

• Lead the design, maintenance, and continuous improvement of the ILAAP framework, ensuring it accurately reflects the firm's liquidity adequacy and risk appetite.
• Develop and enhance advanced methodologies for measuring liquidity risk, including internal liquidity maturity ladders, survival period analysis, and intraday liquidity metrics.
• Spearhead the design and calibration of comprehensive liquidity stress scenarios, identifying potential vulnerabilities and challenging qualitative assumptions.
• Ensure full compliance with relevant European and German regulatory requirements, such as MaRisk and EBA Guidelines on ILAAP, while overseeing regulatory liquidity reporting standards.
• Establish and maintain the architectural design of risk limits for liquidity and funding, providing expert advice on limit calibration and remediation strategies.
• Lead initiatives to improve the quality, governance, and lineage of core balance sheet data used in liquidity risk and ILAAP calculations.
• Act as the primary methodological expert and project lead for interactions with internal/external auditors and regulators (e.g., EBA, national central banks) regarding the adequacy and robustness of liquidity risk practices

What you need to be successful:

Background: 

• Quantitative academic background (Master's in statistics, mathematics, economics, or a similar field). Professional certifications like CFA or FRM are a plus.
• 5+ years of practical experience in a risk controlling function or a leading consultancy (Big Four), with deep expertise in Liquidity Risk and ILAAP within a regulated financial institution.

Skills: 

• Strong understanding of the overall ILAAP framework, maturity transformation, and liquidity-related KRIs.
• Strong proficiency in SQL and Python for quantitative analysis and data-driven insights.
• Strong analytical and quantitative skills, with the ability to independently generate actionable insights from complex data.
• Ability to work independently, form sound judgments on complex risk topics, and communicate effectively with senior stakeholders and regulators.
• Experience with data governance and data quality management processes is a strong plus.
• Fluent English is required; German language skills are a plus

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.