About the opportunity

We are looking for a Specialist in Know-Your-Customer (KYC) to join our growing KYC German team in our Madrid office. In this role, you will take ownership of key processes within KYC and ensure an optimal user experience.

In KYC, our goal is to lead and shape the industry by fostering a culture of compliance within N26 that is trusted by authorities, customers, and shareholders. For that purpose, your expertise in KYC is fundamental. Particularly in Ongoing Due Diligence (ODD) and Enhanced Due Diligence (EDD) for Customers and Politically Exposed Persons (PEP), will be instrumental for your success in this position.

The Specialist role is centered on operational excellence and the effective management of daily cases. Through dedication and continuous learning, an L1 becomes a fundamental member of the team in ensuring N26's regulatory compliance.

In Your Next Challenge, You Will:

• Apply In-depth knowledge of regulatory requirements and industry best practices related to EDD and ODD processes.

• Apply your experience with due diligence processes related to High-Risk Customers (HRC) and Politically Exposed Persons (PEP).

• Correctly apply established policies in each case assessment, maintaining a clear understanding of compliance requirements to ensure quality work.

• Contribute to the maintenance of the Service Level Agreement (SLA): Efficiently manage assigned cases, ensuring deadlines are met.

• Showcase your proficiency in using KYC tools, platforms, and software for efficient processing and management of EDD and ODD cases.

• Demonstrate your analytical and investigative skills to assess and mitigate risks associated with High Risk customer profiles.

• Showcase your ability to interpret and analyse financial statements, transactions, and other relevant data to make informed decisions.

• Conduct thorough and accurate assessments, identifying risks and relevant documentation.

• Demonstrate a high level of Problem-Solving skills, continuously proving the ability to identify and solve problems independently.

• Exhibit outstanding team Collaboration, working collaboratively in a multicultural and fast-paced team environment.

• Foster open dialogue within the team and share key case findings. Actively seek help and feedback for professional growth.

• Collaborate with other internal teams (such as MLRO or Customer Support) to resolve questions quickly and effectively.

• Adapt quickly to process changes and maintain a positive attitude. Actively participate in the adoption of new guidelines and tools.

• Be exposed to a fast-paced environment, demonstrating openness to learning and incorporating new methodologies and technologies into the KYC workflow.

• Participate in projects, contribute ideas, and execute assigned tasks.

• Embrace our Customer-Centric Approach, focusing on enhancing the user experience for our customers undergoing the KYC process, balancing compliance requirements with a seamless and user-friendly approach.

 What You’ll Need to Be Successful

Background:

• Hands-on experience in KYC, ideally with exposure to Enhanced Due Diligence (EDD) and Ongoing Due Diligence (ODD).

• Proven track record of managing and resolving KYC cases efficiently.

• Previous experience in similar fast-paced Finance and Banking companies is desired, but not mandatory.

Skills:

• Excellent hands-on experience in KYC Operations.

• Knowledge of banking regulations is preferable.

• Strong analytical skills, with the capability to independently generate insights.

• Proactive and detail-oriented with the ability to maintain a positive mindset and excel under pressure.

• Fluency in English is mandatory; proficiency in German is an added value.

• Exceptional interpersonal and communication skills, with proven experience in supporting stakeholders through complex situations.

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 7 million customers in 24 markets. We employ more than 1,500 employees across 3 office locations in Berlin, Vienna and Barcelona. Besides the main offices, N26 also has local offices in Paris, Madrid, Milan, and São Paolo.

Sound 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.

Hi, I’m Brayn, the Global WFM Manager at N26, and I am looking for a new WFM Forecasting Expert to join our brand new Operations team in Madrid.

• Do you have hands-on management experience in forecasting processes?
• Do you love solving complex problems using SQL and Python to create new and adjust existing forecasting models as well as for data analysis and KPI monitoring?
• Do you enjoy building and maintaining Forecasting in Operations?

About the opportunity

The Forecasting Expert is the advanced level role in our workforce management team and owns the WFM Forecasting processes for one or more business lines (depending on their size) end to end. This includes being in charge of administering volume forecasts, their input metrics as well as creation, delivery and presentation to internal and external stakeholders. This to ensure the achievement of forecasting targets and Service Level Agreements.

In this role, you will:

• Ensure maintenance of volume forecasting from information gathering for the input metrics and creation through to delivery and presentation to stakeholders and reportings.
• Regular process reviews and end to end planning of improvement projects.
• Ensure all service desk tickets and WFM emails are supported within agreed SLA.
• Bring clear and to-the-point oral + written communication skills to convey solutions in a business context.
• Drive the culture of the team to create an innovative and collaborative environment.
  
  

What you need to be successful:

Background:

• Embrace and drive change with a positive, resilient approach to challenging situations.
• Communication skills that clearly present ideas, theories, and technical information to operations and managerial staff. 
• English language proficiency is a must, additional languages relevant to our markets are a plus.
• Experience with advanced Spreadsheets (excel or google).
• SQL and Python are required, a similar language is a plus.
• Experience in the same or a similar role.
• Experienced in working with workforce management technologies, ideally Calabrio, is a plus but not essential.

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 invite you to contribute into shaping the future of digital banking in the Complaint Management & Prevention Department – a business unit that connects our customers, market regulators and internal stakeholders on the exciting journey of creating compliant and seamless services that our Users love. ​

As a Complaints Market Manager (German Market), you will be based in our Madrid hub and play a key role in coordinating the complaints handling process focused on supporting the management of the relevant markets within the scope of the role, as well as driving the collaboration within the authorities relations and audits compliance spaces. You will combine a deep legal understanding of the financial sector with a strong operational execution and a relentless focus on customer outcomes.

In your next challenge, you will:

• Co-manage the team of the highly motivated team of associates and analysts, who deliver end‑to‑end handling of customer or authority‑escalated complaints for the German and other relevant markets,
• Support the other markets teams’ management, ensuring fair, timely and compliant resolutions.
• Collaborate with the market manager, acting as a primary point of contact for German‑speaking authorities and external dispute resolution bodies, preparing and submitting high‑quality responses and evidence.
• Support the market management in coordination and preparation audit‑ready documentation for complaints processes in your scope, partnering closely with internal audit, Compliance, Legal and Risk teams.
• Lead and drive cross‑functional initiatives to tackle root causes of complaints, improve processes, and reduce operational and regulatory risk across markets.
• Provide subject‑matter expertise on German consumer, banking and payments regulations in the context of complaint handling, and support impact assessments for new products and features.
• Mentor complaints analysts in Madrid, fostering a culture of quality, ownership and continuous improvement in German‑language complaints handling.
• Monitor KPIs and SLAs for your markets, proactively identifying risks, inefficiencies and trends, and translating them into actionable improvements, particularly in terms of capacity-related risks and planning.
• Have a substantial degree of autonomy, taking ownership from issue identification to implementation and follow‑up.

What you’ll need to be successful:

• Fluency in German and English – these are mandatory requirements. Spanish, Italian or French skills are a plus.
• This role requires either an ​university degree in law with a solid understanding of German or other European civil, consumer or banking law, or related, or a strong carrier track in the same field. Practical experience in this field is a plus.
• Several years of relevant experience in complaints handling, legal / regulatory casework, or customer‑facing legal operations in the banking, payments or financial services industry.
• Experience in working with financial regulators, ombudsman schemes or other public authorities is a strong plus.
• Strong analytical mindset combined with excellent investigation and writing skills in German; you can independently carry out accurate legal research and translate complex issues into clear customer‑friendly explanations.
• Demonstrated ability to run and improve operational processes at scale, including identifying root causes, closing control gaps and implementing pragmatic solutions. Hands‑on experience with CRM tools (ideally Salesforce) and process management tools such as Jira and Confluence, or the ability to get up to speed quickly.
• High sense of ownership, resilience and pragmatism; you use your time effectively, prioritize under strict deadlines and keep a cool head when dealing with sensitive cases.
• A collaborative mindset – you enjoy working in a motivated, international team while being comfortable taking autonomous decisions within your remit.
• Please be aware that this role is not remote and will require your in-person presence in the in our office in Madrid on the specific days during the week.

What’s in it for you?

• Accelerate your career growth by joining one of Europe’s most talked‑about digital banking disruptors and a LinkedIn Germany Top Startup Employer.
• N26 is a genuinely exciting place to be, where we can play to our strengths and respect our limitations, while trying to overcome them.
• Personal development budget, discounted public transit pass (selected locations), German language classes, fitness memberships, childcare services (selected locations),
• N26 premium bank card, employee loans, and your choice of a Mac or Windows laptop.
• 26 vacation days per year, with an additional day for each year of service – up to 30 days.
• A high degree of collaboration and autonomy while working with a group of diverse peers, and access to cutting‑edge technologies.
• A relocation package with visa support for those who need it, and the opportunity to build your career in vibrant Madrid as part of our new European Centre of Excellence.

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 transparent savings. Founded in 2013, N26 now serves millions of customers in multiple markets across Europe and beyond. Our talented team works across offices in Berlin, Barcelona, Madrid, Milan, Paris and Vienna. 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 looking for a Banking Operations Senior Manager with experience in delivering operations excellence on a global scale. You will be part of the Banking Operations leadership team, on a journey to build a cutting-edge service delivery organization. In a regulated environment with high expectations towards service excellence, deep banking expertise and process excellence are the foundation of our success.

1. Do you have experience in the banking/fintech/financial services sector driving process optimization?
2. Do you have experience in banking operations topics related to: payments and reconciliations, recovery operations (dunning and collections) and/or regulatory processes such GDPR, account customer data? 
3. Do you have experience leading large teams as well as managing 1stLoD support agents from vendor partners/BPO?
4. Do you enjoy complex data analysis and working on dashboards to find root causes to improve customer and business outcomes?

In your next challenge, you will:

• Lead and develop a team of dedicated professionals in order to deliver best-in-class global Banking Operations across a range of problem areas.
• Co-creating and implementing the strategy for the department and aligning with overall banking operations and N26 strategy and goals.
• Ensure your teams and stakeholders are aligned when new products or market launches occur.
• Improve end-to-end process effectiveness and efficiency in line with the commitments on respective local regulation for existing and new markets.
• Responsible for service delivery and governance with outsourcing partners, including the identification and mitigation of risks and challenges.
• Proactively identify, prioritise and manage key projects and opportunities. Scope and execute initiatives end-to-end, support standardization and automation, drive change Management and challenge the status quo.
• Apply a data-driven approach to refine and develop key metrics that measure quality and efficiency of banking operational processes and services. Collaborate with supporting functions to monitor, analyse and enhance performance.
• Represent the voice of the customer within the team and collaborate with cross functionally, to implement actions in order to improve the quality of services.
• Proactively manage operational and business risk by supporting incident analysis and implementation of relevant solutions and workarounds to minimize customer impact.
• Improve communication frameworks to enable bilateral communication between operational teams, Product and other stakeholders, including those on market-facing improvements.

What you’ll need to be successful

Background & Skills

• 3+ years of proven experience as a leader in European Banking Operations or Service Delivery teams, with a track record of building and leading high-performing operations teams.
• Experience and ability to identify, execute and oversee process optimization initiatives, regulatory compliance and risk management frameworks.
• A strong analytical mindset and an ability to monitor and analyze data and use this to inform, prioritize and guide your management decisions.
• Demonstrated ability to manage cross-functional projects and implement strategic initiatives using data-driven decision making.
• You have stakeholder management skills with an ability to connect at all levels of an international organization, bringing strengths in operational excellence, collaboration and customer-centric mindset.
• Confident with both written and verbal communication. English language fluency is a must, additional languages relevant to our markets are a plus.
• You bring an innovative and customer-oriented mindset and a strong delivery mentality with a focus on execution. The customer is always at the forefront of your mind, and your entrepreneurial spirit will help us delivering best-in-class banking services

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 strengthening our Account & Customer Data expertise within Banking Operations and are looking for a motivated and experienced Banking Operations Analyst (French speaker) to join us.

Within Banking Operations, we act as the centre of competence for the management and processing of special account types, including probate & estates, accounts with legal representatives or custodians, and basic accounts under the Payment Accounts Act. In addition, we coordinate customer queries related to tax proceedings and GDPR-related information requests, ensuring that cases are handled with care while safeguarding N26 Bank SE from legal and regulatory risks.

As an Analyst on the French market, you will bring expertise and ownership to the team. You will handle complex and sensitive cases independently, act as a point of escalation, and actively contribute to improving our operational processes. You will collaborate closely with internal stakeholders such as Legal, Compliance, Anti-Financial Crime, KYC, and Quality Assurance, as well as external partners and authorities.

This role is ideal for someone who wants to go beyond daily case handling and play an active role in shaping how the team evolves and operates.

In this role, you will:

• Take ownership of processes related to special account types (e.g. probate & estates, custodianship, basic accounts), handling complex cases independently and serving as a go-to person for escalations.

• Manage end-to-end enquiries and orders, including research, legal assessment, and case-by-case decision-making.

• Deal with lawyers, notaries, courts, tax authorities, and other officials.

• Collaborate closely with Legal on sensitive or high-impact cases to ensure regulatory alignment.

• Support onboarding and training of new joiners and external partners, fostering knowledge sharing within the team.

• Partner with Quality Assurance and Banking Operations Excellence teams to maintain and elevate case handling standards.

What you need to be successful:

• 1 year of relevant professional experience in banking operations or in a role requiring strong legal and regulatory knowledge.

• Practical experience in handling probate & estates, custodianship/guardianship matters, or similar complex banking processes.

• Completed bank apprenticeship or a university degree in business, finance, law, or a related field.

• Experience working with legal stakeholders such as lawyers, notaries, courts, or regulatory authorities.

• Proven experience contributing to projects or leading process improvements.

• Fluent French and English (written and spoken) are required. German, Spanish, or Italian are a plus.

• Strong knowledge of Google Workspace; experience with Salesforce, Jira, Confluence, and other CRM/ticketing systems is an advantage.

• Basic understanding of SQL is a plus.

• Excellent organizational skills, with the ability to prioritize effectively, meet deadlines, and manage multiple complex tasks.

• A collaborative mindset combined with the confidence to take ownership and make independent decisions.

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 7 million customers in 24 markets. We employ more than 1,500 employees across 3 office locations in Berlin, Vienna and Barcelona. Besides the main offices, N26 also has local offices in Paris, Madrid, Milan, and São Paolo.

Sound 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 establishing a new Data Privacy Operations function within Banking Operations and are looking for an Operations Analyst to join us. The primary focus for this function is to serve as the primary contact for GDPR Data Subject Rights requests, including access, correction, deletion, restriction, objections, and automated decision-making.

Our work is vital to ensuring transparency and trust for our customers while protecting N26 from legal and regulatory risks. You will collaborate closely with colleagues in Legal, Complaints Management & Prevention, Anti-Financial Crime, KYC, and with external partners.

In this role, you will:

• Handle GDPR Data Subject Rights requests, ensuring accuracy and timely completion.

• Investigate and resolve cases, coordinating with internal and external stakeholders.

• Identify inefficiencies in workflows and propose improvements.

• Support onboarding and training of external partners, providing ongoing guidance.

• Contribute to cross-team projects related to privacy and regulatory compliance.

• Share knowledge and support expertise-building within the team.

What you need to be successful:

• 1+ years of experience in banking operations or a role with legal/regulatory exposure.

• Some knowledge of GDPR or prior experience handling privacy-related queries.

• A university degree in business, finance, law, or equivalent professional experience.

• Experience collaborating with legal stakeholders (e.g., lawyers, notaries, courts) is a plus.

• Strong English and German skills (written and spoken); French, Spanish, or Italian are a plus.

• Familiarity with Google Workspace; knowledge of Salesforce, Jira, or Confluence is an advantage.

• Strong organizational skills with the ability to prioritize, manage time, and meet deadlines.

• A team oriented mindset, with confidence to work independently.

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 7 million customers in 24 markets. We employ more than 1,500 employees across 3 office locations in Berlin, Vienna and Barcelona. Besides the main offices, N26 also has local offices in Paris, Madrid, Milan, and São Paolo.

Sound 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.