About the opportunity

We are looking for a dynamic Fraud Analyst to join our Fraud Operations team within the AFC Operations Department. In this role, you will play a key part in identifying, investigating, and mitigating fraud risks, ensuring operational efficiency, and maintaining a secure environment for our customers. You will balance daily operational responsibilities with high-impact project work, driving process improvements and helping scale our fraud prevention operations.

In this role, you will:

Process Improvement & Operations

• Drive continuous process improvements and operational efficiency across fraud detection and investigation workflows.
• Create, update, and maintain detailed Work Instructions (WIs) aligned with internal policies and global standards.
• Effectively balance daily operational case-handling responsibilities with key project-oriented initiatives.
• Investigate complex fraud escalations and take swift action to minimize financial losses and mitigate fraud risks.
   

Data & Analysis

• Conduct regular data analysis to identify emerging fraud typologies, suspicious behaviors, and transaction patterns.
• Leverage analytics to provide actionable insights for optimizing internal transaction monitoring and alert-handling systems.
   

Training & Operational Support

• Provide ongoing operational support and guidance to the wider fraud operations team.
• Design and deliver training sessions on updated processes, Work Instructions, and fraud detection methodologies.
   

What you need to be successful:

• 2+ years of experience in fraud operations, financial crime investigations, or risk analysis within banking, fintech, or payments.
• Hands-on experience working with modern fraud detection systems, alert monitoring tools, and case management systems.
• Strong data analysis skills, including proficiency in Advanced Excel/Google Sheets; SQL or BI tools (Power BI, Looker, Tableau) experience is a strong plus.
• Proven structured problem-solving skills and an analytical mindset to interpret fraud data and recognize risk patterns.
• Demonstrated ability to write clear, structured Work Instructions, process maps, and operational documentation.
• Bachelor’s degree in Business, Finance, Data Analytics, Law, or a related field (preferred but not essential).
• Fluency in English is required; additional European languages are a plus.
• Proactive, self-driven attitude with a strong ability to manage priorities across project tasks and daily operations.
• Excellent communication and stakeholder management skills, with experience delivering training and operational support.

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.

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.