N26 AG is Europe’s leading digital bank with a full German banking licence. Built on the latest technology, N26’s mobile banking experience makes managing money easier, more secure and customer friendly. To date, it has welcomed more than 8 million customers in 24 markets, and processes over 100bn EUR in transactions a year. N26 is 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. Founded by Valentin Stalf and Maximilian Tayenthal in 2013, N26 has raised close to US$ 1.8 billion from some of the world’s most renowned investors.

<h1>About the opportunity</h1>
<p>We are seeking an experienced Lead Technical Product Manager for our Machine Learning Platform within the Intelligent Operations Platforms segment. In this role, you will define the long term vision, platform architecture, and execution strategy for core Machine Learning infrastructure across N26. Your work will enable squads across the bank to automate risk assessments, prevent financial crime, and scale operational efficiency.</p>
<p>Our ML Platforms team serves as the central nervous system for real-time, data-driven decisioning. We build and scale horizontal ML capabilities that allow critical functions including Financial Crime, Credit Risk, and Core Operations to execute with absolute precision at scale. As a Lead Product Manager, you will drive multi-squad strategy, transforming complex predictive models into resilient, compliant, sub-second scoring systems.</p>
<h3><strong>In this role, you will</strong></h3>
<ul>
<li><span style="font-weight: bold;">Drive the Core ML Platform Vision:</span> Define and execute the multi-year roadmap for the central Machine Learning platform, ensuring alignment with broader engineering architecture and executive business goals.</li>
<li><span style="font-weight: bold;">Lead High-Volume ML Portfolios:</span> Oversee complex predictive ML capabilities supporting high-throughput banking systems, focusing on real-time transaction monitoring, automated credit risk scoring, and operational workflow decisioning.</li>
<li><span style="font-weight: bold;">Scale Enterprise MLOps Infrastructure:</span> Own the platform tooling and standards across the full ML lifecycle. Drive strategic decisions around feature stores, real-time feature extraction pipelines, model registries, automated retraining triggers, and CI/CD for ML.</li>
<li><span style="font-weight: bold;">Establish Model Evaluation and Governance:</span> Define robust offline and online model evaluation frameworks, shadow deployment mechanics such as champion and challenger testing, and real-time monitoring for model drift, inference latency, and data quality degradation.</li>
<li><span style="font-weight: bold;">Bridge Technical Leadership and Compliance:</span> Partner closely with Principal Data Scientists, ML Engineers, Security, and Legal stakeholders to ensure models meet strict European banking governance, explainability, and auditability standards.</li>
<li><span style="font-weight: bold;">Elevate and Mentor the PM Function:</span> Serve as a functional leader within the product organization. Establish best practices, PRD standards, and self-service ML integration blueprints while mentoring Product Managers in the team.</li>
</ul>
<h3><strong>What you need to be successful</strong></h3>
<h4><strong>Background &amp; Experience</strong></h4>
<ul>
<li>7+ years of Product Management experience in a technology-driven environment, with at least 4 years deeply focused on building, scaling, and managing core Machine Learning platform capabilities or data infrastructure.</li>
<li><span style="font-weight: bold;">High-Volume B2C Scale:</span> Proven track record of shipping ML products within high concurrency and low latency environments such as FinTech, payment processors, or high-scale consumer tech platforms.</li>
<li><span style="font-weight: bold;">Strategic &amp; Portfolio Leadership:</span> Demonstrated experience leading multi-squad initiatives, shaping platform strategy across cross-functional engineering triads, and presenting to C-level executives and regulatory bodies.</li>
</ul>
<h4><strong>Technical &amp; Domain Skills</strong></h4>
<ul>
<li><span style="font-weight: bold;">Deep ML and MLOps Literacy:</span> Hands-on understanding of predictive ML methodologies including classification, regression, clustering, anomaly detection, and ranking. This must be paired with architectural mastery of modern MLOps pipelines such as Kafka event streams, feature stores, vector databases, and automated retraining.</li>
<li><span style="font-weight: bold;">Analytical and Evaluation Rigor:</span> Highly proficient in defining model performance metrics like precision, recall, ROC-AUC, and F1-score, with a clear ability to translate them into business ROI such as reduced false-positive fraud blocks or manual review cost savings.</li>
<li><span style="font-weight: bold;">Latency and System Trade-Offs:</span> Strong ability to evaluate technical trade-offs between real-time inference and batch scoring, feature compute complexity and latency SLAs, and model accuracy versus explainability.</li>
<li><span style="font-weight: bold;">Financial Governance and Compliance:</span> Deep understanding of regulatory constraints around automated financial decisioning, model transparency, data privacy under GDPR, and audit trails in regulated environments.</li>
</ul>
<h4><strong>Traits</strong></h4>
<ul>
<li><span style="font-weight: bold;">Platform Visionary:</span> Ability to abstract domain-specific requirements into reusable horizontal ML services consumed by multiple engineering squads.</li>
<li><span style="font-weight: bold;">Decisive Technical Leader:</span> Comfortable navigating ambiguity, making high-stakes technical trade-off decisions, and prioritizing foundational infrastructure investments alongside feature delivery.</li>
<li><span style="font-weight: bold;">Uncompromising Quality Standard:</span> High bar for system resilience, monitoring, and fail-safe mechanisms, recognizing that core banking engines demand 99.99% reliability.</li>
</ul>
<h3><strong>What’s in it for you</strong></h3>
<ul>
<li>Accelerate your career growth by leading core infrastructure at one of Europe’s premier digital banks.</li>
<li>Employee benefits including a competitive personal development budget, work from home budget, fitness &amp; wellness discounts, and public transportation subsidies.</li>
<li>A Premium N26 bank account subscription for you, plus subscriptions for friends and family.</li>
<li>An additional day of annual leave for each year of service.</li>
<li>High autonomy to drive the ML technical agenda, working with a diverse, international team of peers.</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h3><strong>Who we are</strong></h3>
<p>N26 has reimagined banking for today’s digital world. Technology and design empower <a href="https://n26.com/en-eu/blog">everything we do</a> and it’s how we are building the global banking platform the world loves to use.</p>
<p>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.</p>
<p>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.</p>
<p><strong>Sounds good? Apply now for this position.</strong></p>
<h3><strong>Equal Opportunities</strong></h3>
<p>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.</p>
<p>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.</p>
<p>Visit our website to learn more about Diversity, Equity, &amp; Inclusion at N26.</p>

Lead Technical Product Manager — Machine Learning Platform

<h2><strong>About the opportunity</strong></h2>
<p>We are seeking a Site Reliability Engineer to join the Data Storage Team within the Platform Engineering Domain.&nbsp;</p>
<p>Platform Engineering's mission is to provide trusted, performant, and self-service platforms, enabling product teams to build 'the bank the world loves to use.' As part of this, this team is responsible for architecting and operating highly scalable, secure and compliant infrastructure solutions that manage our core database offering and data storage capabilities. The ideal candidate is a seasoned SRE, &nbsp;an enthusiastic learner eager to pioneer novel platform solutions and grow with a team that values innovation and mentorship. If your expertise meets curiosity, we encourage you to apply.</p>
<h2><strong>In this role, you will:</strong></h2>
<ul>
<li>Develop and Implement: Build and maintain platform solutions that improve the reliability, security, and scalability of our Database Platform infrastructure.</li>
<li>Operational Excellence: Apply cloud infrastructure, networking, and CI/CD best practices to support our operational data storage solutions.</li>
<li>Collaborate: Work closely with Product Teams to facilitate seamless database provisioning and ensure operational efficiency.</li>
<li>Knowledge Sharing: Participate in technical discussions and contribute to documentation, fostering a culture of transparency and continuous learning.</li>
<li>Execution: Contribute to the team’s roadmap by delivering high-quality code and infrastructure improvements.</li>
<li>Incident Response: Participate in on-call rotations and troubleshooting efforts to maintain a stable and predictable environment.</li>
<li>Observability: Maintain and enhance observability solutions (metrics, logging, tracing) to ensure the platform meets its SLOs and availability targets.</li>
</ul>
<h2><strong>What you need to be successful</strong></h2>
<h3><strong>Background and Skills:</strong></h3>
<ul>
<li>Hands-on experience in maintaining cloud-based infrastructure, particularly in AWS.</li>
<li>Practical experience with operational data storage solutions (e.g., PostgreSQL, AmazonRDS, S3 or similar).</li>
<li>Hands-on experience with container technologies (Docker) and orchestration (Kubernetes/EKS)</li>
<li>Proficiency in infrastructure as code (Terraform, CloudFormation, or similar).</li>
<li>Competence in at least one programming language (Python preferred).</li>
<li>Hands-on experience with CI/CD pipelines (GitHub Actions, ArgoCD, Jenkins, or similar).</li>
<li>Familiarity with networking and security best practices in cloud environments.</li>
<li>Familiarity with observability tools (DataDog, Prometheus, Grafana, OpenTelemetry).</li>
</ul>
<h3><strong>Nice to have:</strong></h3>
<ul>
<li>Knowledge of database internals including performance tuning, high-availability architecture (replication/failover), and sharding/clustering.</li>
<li>Backend Engineer experience.</li>
</ul>
<h3><strong>Traits:</strong></h3>
<ul>
<li>Excellent collaboration and communication skills, with the ability to work across teams.</li>
<li>Strong sense of ownership, with a proactive approach to problem-solving and process improvements.</li>
<li>Passion for building high-quality, scalable, and secure infrastructure.</li>
<li>Eagerness to learn and contribute to building platforms as products.</li>
</ul>
<h2><strong>What’s in it for you:</strong></h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>Come together with your team in the office for a dedicated day of teamwork each week, plus another day of your choice, and enjoy the flexibility of remote work the rest of the time. <em>Some roles may require additional in-office presence</em>.</li>
<li>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.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>Additional day of annual leave for each year of service.&nbsp;&nbsp;</li>
<li>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 backgrounds.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2><strong>Who we are</strong></h2>
<p>N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog" target="_blank"> <u>everything we do</u></a> and it’s how we are building the global banking platform the world loves to use.</p>
<p>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.&nbsp;</p>
<p>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.</p>
<p><strong>Sounds good? Apply now for this position.</strong></p>
<p><strong>Equal Opportunities:</strong></p>
<p>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.</p>
<p>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 <a href="mailto:candidate.exp@n26.com" target="_blank"><u>candidate.exp@n26.com</u></a>.&nbsp;</p>
<p>Visit our&nbsp;<a href="https://n26.com/en-eu/diversity-and-inclusion" target="_blank"><u>website</u></a> to learn more about Diversity, Equity, &amp; Inclusion at N26.</p>

Site Reliability Engineer - Data Platform

<h2><span style="color: #000000;"><strong>About the opportunity</strong></span></h2>
<p>We are seeking a Senior Product Marketing Manager to act as the visionary owner for a major segment vertical, responsible for architecting long-term frameworks that align global customer needs with market-defining value propositions.</p>
<p>Our Senior Product Marketing team steers product evolution and global GTM standards to maximize adoption and ecosystem loyalty, and believes in using deep analytical rigor and strong cross-functional leadership to define the voice of the customer.</p>
<p>In this role, you will serve as the primary strategic bridge between Executive, Product, and Operations teams, ensuring that every launch delivers significant commercial impact and a differentiated competitive edge.</p>
<h2><span style="color: #000000;"><strong>In this role, you will:</strong></span></h2>
<ul>
<li>Serve as the Marketing Owner and visionary lead for a major segment vertical, accountable for the long-term strategic framework that aligns global JTBD with a market-defining Value Proposition, while steering the Product Offering evolution and global GTM standards to maximize Product Adoption and ecosystem lock-in</li>
<li>Partner with the lifecycle team to foster ongoing customer education, deepen continuous product adoption, and maximize long-term user retention</li>
<li>Craft compelling, consumer-centric value propositions and tailored messaging that clearly differentiate our products within the highly competitive fintech landscape</li>
<li>Design and implement impactful GTM strategies for new product features and launches, ensuring flawless cross-channel execution and significant user acquisition</li>
<li>Define, monitor, and analyze key performance metrics for all product launches, proactively adjusting marketing plans to meet or exceed adoption targets</li>
<li>Champion the voice of the customer by leveraging market research, competitive analysis, and UX feedback to uncover market fit opportunities and refine product narratives</li>
<li>Collaborate closely with the brand and creative teams to maintain a consistent voice, tone, and high-quality creative standard across all marketing channels</li>
<li>Act as the strategic bridge between product, business operations, and marketing, aligning stakeholders on priorities and ensuring seamless communication and execution</li>
</ul>
<h2><span style="color: #000000;"><strong>What you need to be successful:</strong></span></h2>
<p><span style="color: #000000;">Background:&nbsp;</span></p>
<ul>
<li>8+ years of experience within the Product Marketing space ideally in a tech driven company</li>
<li>Bachelor's degree in Marketing, Communications, Business, or Commerce with relevant experience</li>
</ul>
<p><span style="color: #000000;">Skills:&nbsp;</span></p>
<ul>
<li>Extensive experience leading end-to-end Go-to-Market strategies, serving as the critical bridge between Product, Marketing, and Operations to ensure seamless, high-impact launches</li>
<li>Proven track record of driving product acquisition, user growth, and retention through strategic lifecycle initiatives and in-product growth levers</li>
<li>Expert at crafting customer centric value propositions and differentiated messaging that effectively positions products within the competitive fintech or tech landscape.</li>
<li>Skilled at synthesizing market research, UX insights, and competitive analysis to inform strategy, while maintaining a strong understanding of tech-driven ecosystems and regulatory requirements</li>
<li>Advanced stakeholder influence and collaboration through building cross functional partnerships and influencing decisions across Product, Marketing, and Business teams in fast paced environments</li>
<li>Advanced growth mindset with a proactive, high-ownership mentality with bias for action and a commitment to a "test, learn, and optimize" approach based on data insights</li>
</ul>
<h2><span style="color: #000000;"><strong>What’s in it for you:</strong></span></h2>
<ul>
<li style="color: #000000 !important;"><span style="color: #000000;">Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</span></li>
<li style="color: #000000 !important;"><span style="color: #000000;">Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</span></li>
<li style="color: #000000 !important;"><span style="color: #000000;">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.&nbsp;&nbsp;&nbsp;&nbsp;</span></li>
<li style="color: #000000 !important;"><span style="color: #000000;">Additional day of annual leave for each year of service.&nbsp;&nbsp;</span></li>
<li style="color: #000000 !important;"><span style="color: #000000;">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.&nbsp;</span></li>
<li style="color: #000000 !important;"><span style="color: #000000;">A relocation package with visa support for those who need it.</span></li>
</ul>
<h2><span style="color: #000000;"><strong>Who we are</strong></span></h2>
<p><span style="color: #000000;">N26 has reimagined banking for today’s digital world. Technology and design empower</span><a href="https://n26.com/en-eu/blog" target="_blank"><span style="color: #000000;"> </span><span style="color: #1155cc;"><u>everything we do</u></span></a><span style="color: #000000;"> and it’s how we are building the global banking platform the world loves to use.</span></p>
<p><span style="color: #000000;">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.&nbsp;</span></p>
<p><span style="color: #000000;">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.&nbsp;</span></p>
<p><span style="color: #000000;"><strong>Do you see yourself thriving in this role? </strong>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!</span></p>
<p><span style="color: #000000;"><strong>Equal opportunities for all</strong></span></p>
<p><span style="color: #000000;">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.</span></p>
<p><span style="color: #000000;">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!</span></p>
<p><span style="color: #000000;">Discover more about Diversity &amp; Inclusion at N26:</span><a href="https://n26.com/en-eu/diversity-and-inclusion" target="_blank"><span style="color: #000000;"> </span><span style="color: #1155cc;"><u>https://n26.com/en-eu/diversity-and-inclusion</u></span></a></p>

Senior Product Marketing Manager

<p><strong>About the Role</strong><br><br>N26 is seeking an analytical, regulatory-minded <strong>Complaints Compliance &amp; Prevention Manager</strong> to lead compliance governance, audit remediation, and the preventive control framework within our Complaints Management &amp; Prevention department. Reporting directly to the head of the department, you will own the end-to-end planning and execution of our regulatory remediation roadmap, separating administrative control and preventive functions from operational case handling. In this role, you will establish a robust, BaFin-compliant preventive Root Cause Analysis (RCA) framework and oversee CMP's Written Orders (SfO) to ensure full operational integrity, data quality, and compliance across all active N26 markets.The role combines a compliance mindset with deep understanding of operations specificity.&nbsp;<br>&nbsp;</p>
<p><strong>What You Will Do</strong></p>
<ul>
<li>
<p><strong>Regulatory Remediation &amp; Governance:</strong> Lead the end-to-end delivery of the regulatory remediation roadmap, managing Test of Design (ToD) and Test of Effectiveness (ToE) milestones in alignment with BaFin MaBeschwer, MaComp, MaRisk, and general KWG expectations.</p>
</li>
<li>
<p><strong>Preventive Framework &amp; RCA:</strong><strong> </strong>Build, govern, and scale the preventive RCA framework (MaBeschwer Tz. 18), establishing risk-based selection triggers beyond volume (e.g., PSD2, WpHG, financial loss, reputational risk) to eliminate systematic product and process defects.</p>
</li>
<li>
<p><strong>Written Order (SfO) Ownership:</strong><strong> </strong>Maintain, update, and own CMP’s Written Orders, procedures, and work instructions for structural compliance, process consistency, and cross-market operational alignment.</p>
</li>
<li>
<p><strong>Control Function &amp; Stakeholder Interface:</strong><strong> </strong>Serve as the primary operational contact for 2LoD (Compliance, Risk Management), 3LoD (Internal Audit), and external regulatory stakeholders.</p>
</li>
<li>
<p><strong>Team Leadership &amp; Performance:</strong><strong> </strong>Direct and mentor Associate/Specialist team members in the matrix structure and cross-functional alignment with Product, Tech (PTX), Legal, and CS.</p>
</li>
</ul>
<p><br><strong>What You Will Bring</strong></p>
<ul>
<li>
<p><strong>Minimal requirements:&nbsp;</strong></p>
<ul>
<li>
<p>5+ years of proven experience in compliance controls, assurance, banking operations or complaints management in German financial space,&nbsp;</p>
</li>
<li>
<p>full working proficiency in German language.</p>
</li>
</ul>
</li>
<li>
<p><strong>Background &amp; Experience:</strong><strong> </strong>Professional experience in banking operations, regulatory compliance, or audit remediation, with at least 2+ years leading people or major workstreams within complaint management or dispute resolution in a regulated financial institution.</p>
</li>
<li>
<p><strong>Regulatory Expertise:</strong><strong> </strong>Deep knowledge of European and German banking regulations, including MaBeschwer, MaComp BT 12, MaRisk AT 4.3.4 / AT 7.1, and PSD2 Article 101.</p>
</li>
<li>
<p><strong>Project &amp; Risk Leadership:</strong><strong> </strong>Proven track record of executing complex regulatory remediations, implementing internal control systems (ICS), and managing cross-functional projects.</p>
</li>
<li>
<p><strong>Senior Management Exposure:</strong><strong> </strong>Experience in communicating with senior stakeholders, addressing their requests, and comfortable interacting across all levels of the organisation.&nbsp;</p>
</li>
<li>
<p><strong>Data &amp; Technical Literacy:</strong> Understanding of the cases processing technology, customer interfaces, and ticketing platform, as well as operation indicators.</p>
</li>
<li>
<p><strong>Languages:</strong><strong> </strong>Professional fluency in English and German.</p>
</li>
</ul>
<p><br><strong>What’s in it for you:</strong></p>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most innovative banks 🚀.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>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. &nbsp; &nbsp;</li>
<li>Vacation days vary depending on your location of work. Additional day of annual leave for each year of service. &nbsp;</li>
<li>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.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<p>&nbsp;</p>
<p><strong>Who we are</strong><br>N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog" target="_blank"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.<br>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.&nbsp;<br>We are headquartered in Berlin with offices in multiple cities across Europe, including Madrid and Barcelona, and a 1,700-strong team of more than 80 nationalities.</p>
<p><strong>Sounds good? Apply now for this position.</strong><br>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!</p>
<p><strong>Equal opportunities for all</strong><br>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.<br>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!<br>Discover more about Diversity &amp; Inclusion at N26:<a href="https://n26.com/en-eu/diversity-and-inclusion" target="_blank"> https://n26.com/en-eu/diversity-and-inclusion</a></p>
<p>&nbsp;</p>

Compliance Manager

<h2>About the Opportunity</h2>
<div>As our Senior Legal Counsel for Employment Law, you will be the go-to trusted advisor on both individual and collective employment law matters, ensuring compliance with local and EU regulations while supporting diversity and inclusion initiatives. This role manages negotiation strategies and leads complex works council negotiations, reviews employment related agreements, represents the company in employment disputes, and advises on employee relations issues. Additionally, it ensures proper data handling, maintains up to date knowledge of legal developments, and aligns organisational policies with legal requirements and best practices.</div>
<h2>In this role you will be responsible for:</h2>
<ul>
<li>
<div><strong>Strategic Advisory:</strong> Provide expert, business-oriented legal counsel on the full spectrum of individual and collective employment law—including employment contracts, compensation structures, terminations, benefits, and anti-discrimination topics.</div>
</li>
<li>
<div><strong>Works Council Partnership:</strong> Lead negotiation strategies and build constructive, collaborative relationships with the Works Council to co-create impactful works agreements.</div>
</li>
<li>
<div><strong>Agreements &amp; Documentation:</strong> Review employment contracts, offer frameworks, and operational workforce templates, empowering People Operations to move fast while staying compliant.</div>
</li>
<li>
<div><strong>Dispute Resolution &amp; Advocacy:</strong> Represent the business in employment-related disputes, proactively defending against claims while protecting our reputation and core values.</div>
</li>
<li>
<div><strong>Employee Relations Support:</strong> Advise leadership and people teams on sensitive employee relations topics, from performance management and disciplinary actions to complex grievances.</div>
</li>
<li>
<div><strong>Progressive Policy Design: </strong>Shape internal guidelines that champion fairness and comply with local laws, EU directives, and modern Diversity, Equity &amp; Inclusion (DEI) best practices.</div>
</li>
<li>
<div><strong>Employee Data Governance:</strong> Safeguard employee trust by ensuring workforce data handling and retention practices remain strictly compliant with GDPR and privacy standards.</div>
</li>
<li>
<div><strong>Future-Proofing &amp; Horizon Scanning:</strong> Stay ahead of key legal developments and EU directives, translating regulatory changes into proactive, practical business advantages.</div>
</li>
<li>
<div><strong>Complex Collective Negotiations:</strong> Confidently lead the end-to-end negotiation process on nuanced, high-stakes Works Council matters.</div>
</li>
</ul>
<h2>What you need to be successful:</h2>
<ul>
<li>
<div>German qualified lawyer (e.g. German 1. and 2. Staatsexamen).</div>
</li>
<li>Substantial experience practicing German employment law.</li>
<li>Proven fluency in German co-determination mechanics and a track record of building positive, productive relationships with employee representation bodies (Works Councils).</li>
<li>Relevant work experience either from a law firm or in-house.</li>
<li>
<div>Experienced in organisational development and change management and you have a broad understanding of employee relations and employee representation.</div>
</li>
</ul>
<div>Desired Personal Attributes</div>
<ul>
<li>
<div>Fluent in both German and English, comfortable negotiating and drafting in both languages.</div>
</li>
<li>
<div>Solutions-driven approach with a knack for translating complex legal nuances into clear, actionable advice that supports business momentum.</div>
</li>
<li>
<div>High emotional intelligence, capable of building seamless relationships across People teams, executive leadership, and employee representatives.</div>
</li>
<li>
<div>Uncompromising ethical standards and calm discretion when managing sensitive matters.</div>
</li>
</ul>
<div>Skills &amp; Competencies</div>
<ul>
<li>
<div>Analytical &amp; Drafting Excellence: Strong ability to synthesize legal research into crisp, persuasive, and practical documentation.</div>
</li>
<li>
<div>Negotiation &amp; Tact: Natural conflict-resolution skills with the diplomacy needed to navigate complex human dynamics and reach win-win outcomes.</div>
</li>
<li>
<div>Creative Problem-Solving: Resourceful approach to tackling novel or ambiguous employment challenges.</div>
</li>
<li>Agile Project Management: Structured and organised, with the agility to manage change and deliver high-impact initiatives smoothly.</li>
</ul>
<h2><strong>What’s in it for you:</strong></h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>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.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>Additional day of annual leave for each year of service.&nbsp;&nbsp;</li>
<li>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.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2><strong>Who we are:</strong></h2>
<p>N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.</p>
<p>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.&nbsp;</p>
<p>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.&nbsp;</p>
<p><strong>Do you see yourself thriving in this role? </strong>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!</p>
<p><strong>Equal opportunities for all</strong></p>
<p>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.</p>
<p>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!</p>
<p>Discover more about Diversity &amp; Inclusion at N26:<a href="https://n26.com/en-eu/diversity-and-inclusion"> https://n26.com/en-eu/diversity-and-inclusion</a></p>

Senior Legal Counsel, Employment Law

<h2><strong><strong>About the opportunity:</strong></strong></h2>
<p>As a Forecasting Analyst in the WFM team, you are responsible for producing high quality demand forecasts for different workstreams across operations. Your forecasts will be used for capacity planning, budget planning, and shift scheduling of our in-house teams and external partners. Additionally your forecasting expertise will be used to support the implementation of new products and key initiatives, and you will be the internal go-to person for forecasting related questions. You will challenge existing frameworks and implement innovative solutions using your experience and knowledge.</p>
<p>&nbsp;</p>
<h2><strong><strong>In this role, you will:</strong></strong></h2>
<ul>
<li>
<p>Forecast resource requirements across different teams and workstreams to meet customer/stakeholder demand and required service levels.</p>
</li>
<li>
<p>Produce analytics on forecast performance, as well as volume evolution and the effect of internal or external factors on volume such as new product launches.</p>
</li>
<li>
<p>Assist in the further development of forecasting methodologies, models and tools in order to increase forecast accuracy and efficiency.</p>
</li>
<li>
<p>Partner with Growth, Membership, and Product Teams to understand the key drivers of volume and incorporate them into the forecasting and planning process.</p>
</li>
<li>
<p>Provide consultative support for the leadership team, guiding and advising to develop effective productivity measures, performance management intelligence and resource planning effectiveness.</p>
</li>
<li>
<p>Collaborate with a broad range of analytics teams at N26 to utilise shared platforms, insights and innovations.</p>
</li>
<li>
<p>Maintain an accurate events log detailing what is included in the forecast and reasons for variance to forecast.</p>
</li>
</ul>
<p>&nbsp;</p>
<h2><strong><strong>What you need to be successful:</strong></strong></h2>
<ul>
<li>
<p>2+ years of experience working in demand forecasting, resource planning, or directly related field</p>
</li>
<li>
<p>Advanced level of ability in applied mathematics, statistics, scenario modelling, demand modelling and analysis</p>
</li>
<li>
<p>Expert with Excel or Google Sheets, and ability with SQL, Python, or R is a huge plus</p>
</li>
<li>
<p>Experience with business analytics platforms such as Google Looker, Metabase, or similar systems</p>
</li>
<li>
<p>Graduated with a degree in Statistics, Mathematics, or other related field of study/relevant level of professional experience</p>
</li>
</ul>
<p><br>&nbsp;</p>
<p><strong>Traits:</strong></p>
<ul>
<li>
<p>Actively help yourself (and others) be successful.</p>
</li>
<li>
<p>Continuously learn and challenge the status quo.</p>
</li>
<li>
<p>Think globally, act locally.</p>
</li>
<li>
<p>Strong bias for action.</p>
</li>
<li>
<p>Give and receive open, direct and timely feedback.</p>
</li>
</ul>

Forecasting Expert

<p>Unter der Aufsicht der BaFin steuert N26 die Interaktionen mit 7 Millionen Kundinnen und Kunden in 24 Märkten. Im Rahmen unseres ambitionierten Vorhabens, den Bereich Compliance in diesen Interaktionen weiter zu stärken, schaffen wir eine Position zur federführenden Operationalisierung der regulatorischen Dimension im Austausch mit Kundinnen und Kunden sowie Behörden.</p>
<p>Sie verantworten das Kontrollwesen: Sie konzipieren Kontrollmechanismen, dokumentieren diese und erbringen die Nachweise, die von der Internen Revision, unseren externen Prüfern sowie der Aufsichtsbehörde geprüft werden. Dabei steigen Sie zu einem Zeitpunkt ein, zu dem wesentliche Gestaltungs- und Richtungsentscheidungen noch aktiv getroffen werden – nicht erst im Nachhinein.</p>
<p>&nbsp;</p>
<p><strong>Was Sie verantworten</strong></p>
<ul>
<li>Die Umsetzungs-Roadmap: jede Maßnahme zu jedem Feststellungspunkt termingerecht konzipiert, dokumentiert, eingeführt und nachgewiesen (Test of Design, Test of Effectiveness).</li>
<li>Präventive Ursachenanalyse: ein risikobasiertes Verfahren, das Beschwerden nach Auswirkung (finanzieller Schaden, aufsichtsrechtlich, Reputation) auswählt, nicht nur nach Volumen, und sie in Produkt- und Prozessänderungen überführt.</li>
<li>Die schriftlich fixierte Ordnung des Beschwerdemanagements über alle Märkte: aktuell, konsistent, prüfbar.</li>
<li>Die laufende Schnittstelle zu Compliance, Risikomanagement, Interner Revision und externen Prüfern für Kontrollen im Beschwerdemanagement.</li>
<li>Eine Associate-Stelle (Compliance &amp; Prevention) sowie die bereichsübergreifenden Arbeitsstränge mit Produkt, Technik, Legal und Customer Service.<br><br></li>
</ul>
<p><strong>Was Sie mitbringen: drei Dinge</strong></p>
<ul>
<li>Deutsch verhandlungssicher (mindestens C1); Englisch fließend.</li>
<li>Mindestens 5 Jahre Berufserfahrung, davon Prüfungs-, Assurance-, IKS- oder Compliance-Tätigkeit in einem regulierten Umfeld: Bank, Zahlungs- oder E-Geld-Institut, Versicherer oder die Prüfungs- und Beratungsgesellschaften, die diese betreuen. Auf welcher Seite des Tisches Sie saßen, ist zweitrangig.</li>
<li>Sie können eine aufsichtsrechtliche Anforderung in eine dokumentierte Kontrolle übersetzen, einführen und deren Wirksamkeit nachweisen, und Sie haben das unter Prüfungsdruck schon getan.<br><br></li>
</ul>
<p><strong>Hilfreich, nicht Bedingung</strong></p>
<ul>
<li>Erfahrung in Beschwerdebearbeitung, Streitbeilegung oder Ombudsverfahren.</li>
<li>Kenntnis der BaFin-Rundschreiben zum Beschwerdemanagement (MaBeschwer, MaComp BT 12) oder ihrer Entsprechung für Versicherer (Rundschreiben 3/2013 (VA), EIOPA-Leitlinien); PSD2-Fristen.</li>
<li>Fallbearbeitungs- und BI-Tools (Salesforce, Metabase oder vergleichbar).</li>
<li>Leitung eines Arbeitsstrangs, Prüfungsteams oder kleinen Teams.<br><br></li>
</ul>
<p><strong>Wer Sie heute sein könnten</strong></p>
<p>Senior Consultant oder Manager in einer Regulatory-Praxis für Finanzdienstleister, der oder die das Ergebnis verantworten will, nicht den Bericht. Interne Revisorin oder Compliance-Beauftragter bei Bank oder Versicherer, die lieber aufbauen als prüfen. Jemand mit Erfahrung in einer Aufsichtsbehörde, der die andere Seite kennenlernen will.<br><br></p>
<p><strong>Was wir bieten</strong></p>
<ul>
<li>Ein klares Mandat, eine klare Frist und das Budget, es umzusetzen.</li>
<li>Direkter Kontakt zu Interner Revision, Wirtschaftsprüfern und Aufsicht: die Arbeit, die eine Compliance-Laufbahn ausmacht.</li>
<li>Berlin, hybrid; Umzugspaket und Visa-Unterstützung bei Bedarf.</li>
<li>Weiterbildungsbudget, Homeoffice-Budget, Zuschüsse für Fitness, Sprach-Apps und ÖPNV, N26 Premium für Sie und Abos für Familie und Freunde, ein zusätzlicher Urlaubstag pro Beschäftigungsjahr.</li>
</ul>

Complaints Audit Manager

<h2><strong>About the opportunity</strong></h2>
<p>We are looking for an AFC Associate - SAR Writer to join our Italian MLRO Team in Madrid. In this role, you will act as the crucial bridge between first-line operational investigations and regulatory reporting. You will be responsible for reviewing the initial transaction analysis provided by the 1st Line of Defense and drafting high-quality, comprehensive Suspicious Activity Reports (SARs /&nbsp;<em>segnalazioni di operazioni sospette</em>) for the Italian market.</p>
<p>Working closely with the SAR Delegate and the Italian MLRO, your primary focus will be turning escalated first-line cases into precise, well-structured narratives ready for final validation and submission to the Italian Financial Intelligence Unit (UIF).</p>
<h2><strong>In this role, you will:</strong></h2>
<ul>
<li>Review and challenge the initial alerts analysis, customer profile assessments, and transaction findings escalated by the 1st Line of Defense.</li>
<li>Draft detailed, structured, and compliant SAR reports, writing the official case narrative and reconstructing the customer’s suspicious behavior according to Italian FIU (UIF) guidelines.</li>
<li>Identify any analytical gaps or missing documentation in the 1st line escalation and collaborate with operational teams to collect necessary case details before finalizing the draft.</li>
<li>Prepare finalized draft files alongside clear, evidence-based recommendations for the SAR Delegate and Italian MLRO to facilitate final review, sign-off, and submission.</li>
<li>Provide feedback to 1st Line of Defense on escalation quality to help align first-line investigative standards with regulatory expectations.</li>
<li>Support the Italian MLRO team in maintaining organized SAR logs, updating report templates, and compiling data for internal audits and annual regulatory self-assessments.</li>
</ul>
<h2><strong>What you need to be successful:</strong></h2>
<ul>
<li>University degree in Law, Economics or a related field.</li>
<li>1 to 3 years of experience within an Anti-Financial Crime (AFC), AML, or Compliance function (2nd Line of Defense preferred), ideally in a bank, payment institution, or fintech operating in Italy.</li>
<li>Direct experience or strong familiarity with the SAR/SOS drafting process (<em>segnalazioni di operazioni sospette</em>) under the Italian FIU (UIF) regulatory framework.</li>
<li>Professional certifications (e.g., ICA, ACAMS) are a plus.</li>
<li>Solid knowledge of Italian AML/CTF regulations (D.Lgs. 231/07) and UIF anomaly indicators/reporting guidelines.</li>
<li>Fluency in Italian and English (written and spoken) are mandatory.</li>
<li>Exceptional writting skills (Italian) to craft accurate, formal, and concise narrative reports, with a strong critical eye for reviewing 1st line work.</li>
<li>Meticulous approach to data consistency, document cross-referencing, and factual accuracy.</li>
</ul>
<h2><strong>What’s in it for you:</strong></h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>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.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>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.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2><strong>Who we are</strong></h2>
<p>N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.</p>
<p>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.&nbsp;</p>
<p>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.</p>
<p><strong>Do you see yourself thriving in this role? </strong>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!</p>
<p><strong>Equal opportunities for all</strong></p>
<p>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.</p>
<p>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!</p>
<p>Discover more about Diversity &amp; Inclusion at N26:<a href="https://n26.com/en-eu/diversity-and-inclusion"> https://n26.com/en-eu/diversity-and-inclusion</a></p>

AFC Associate - SAR Writer

<h2><strong>About the opportunity</strong></h2>
<p>We are currently looking for an <strong>AFC Associate - SAR Delegate</strong> to join the Italian MLRO Team from Madrid. In this role, you will provide critical support in the execution of key operational financial crime related tasks for the Italian Branch, working under the guidance of the Italian MLRO and the AFC Senior Associate(s).</p>
<p>The AFC Associate will be assisting the MLRO Italy and the wider team in all their AFC control activities and will be based in Madrid (hybrid working policy).</p>
<p>In particular, the AFC Associate will primarily <strong>support the SAR review process</strong>, assist in various AFC control activities, and help in the coordination between the branch Compliance/AFC function and (i) the Global AFC function and (ii) the other functions working for the Italian market at the Global level, including AFC Ops, KYC Ops, Complaints Management and Prevention, Regulatory Reporting.</p>
<h2><strong>In this role, you will:</strong></h2>
<p>Support the Italian MLRO team in the following activities:</p>
<ul>
<li>Initial Review and Validation Support of the SARs (<em>segnalazioni di operazioni sospette</em>), ensuring accuracy and completeness of the documentation before submission.</li>
<li>Assist in the preparation of communications and documentation related to the FIU and other investigative bodies concerning AFC topics.</li>
<li>Provide support in advisory and guidance to AFC Ops &amp; KYC Ops Italy teams on standard processes and procedures.</li>
<li>Assist in the coordination efforts with other operational functions working for the Italian market.</li>
<li>Participate in the review of controls methodology, controls results, and action plans; conduct specific local controls as directed.</li>
<li>Support the Italian MLRO in various tasks, including the preparation of standard communications and the compilation of data for the annual self-assessment.</li>
<li>Participate in Global and local specific projects for the Italian branch, focusing on data gathering and execution tasks.</li>
<li>Assist in drafting and reviewing Policies &amp; Procedures concerning AML / TF, primarily focusing on formatting and cross-referencing.</li>
<li>Support the preparation and delivery of the training plan material and assist in continuously checking the adequacy of the material used.</li>
</ul>
<h2><strong>What you need to be successful:</strong></h2>
<ul>
<li>A university degree in economics, law, business, or other relevant areas.</li>
<li>1 to 3 years of professional experience gained in an anti-financial crime or compliance or risk management role.</li>
<li>Exposure to or basic understanding of the SARs filing process (<em>segnalazione di operazioni sospette</em>) with the Italian FIU is a plus.</li>
<li>A professional Financial Crime qualification (e.g., ICA, ACAMS) is welcome but not mandatory.</li>
<li>Foundational knowledge of European and Italian regulations on Financial Crime (AML/CTF, fraud, tax evasion).</li>
<li>You are fluent in English and Italian, both spoken and written.</li>
<li>Good communication skills, with an aptitude for relating clearly to internal teams.</li>
<li>Hardworking, team worker and highly attentive to detail (crucial for document review).</li>
<li>Strong analytical skills and willingness to learn quickly.</li>
<li>Basic knowledge of the Italian regulatory environment and relevant processes regarding topics such as KYC, financial crime risk assessment, and transaction monitoring.</li>
<li>You are detail oriented, diligent and reliable.</li>
<li>You have a hands-on mentality and take on ownership of assigned tasks.</li>
</ul>
<h2><strong>What’s in it for you:</strong></h2>
<ul>
<li>Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.</li>
<li>Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness &amp; wellness memberships, language apps and public transportation.&nbsp;</li>
<li>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.&nbsp;&nbsp;&nbsp;&nbsp;</li>
<li>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.&nbsp;</li>
<li>A relocation package with visa support for those who need it.</li>
</ul>
<h2><strong>Who we are</strong></h2>
<p>N26 has reimagined banking for today’s digital world. Technology and design empower<a href="https://n26.com/en-eu/blog"> everything we do</a> and it’s how we are building the global banking platform the world loves to use.</p>
<p>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.&nbsp;</p>
<p>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.</p>
<p><strong>Do you see yourself thriving in this role? </strong>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!</p>
<p><strong>Equal opportunities for all</strong></p>
<p>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.</p>
<p>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!</p>
<p>Discover more about Diversity &amp; Inclusion at N26:<a href="https://n26.com/en-eu/diversity-and-inclusion"> https://n26.com/en-eu/diversity-and-inclusion</a></p>

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