Risk and Compliance Manager

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.

Our app attracts over 10,000 new users every day, primarily through word of mouth. 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.

N26 has international offices in Berlin, Barcelona, New York and Vienna.

About the opportunity

In this role, you will:

  • Be responsible for providing guidance on federal and state banking regulations and their associated impact on N26’s operations in the US, including:
    • Regulation CC
    • Regulation DD
    • Regulation E
    • Regulation K)
    • Regulation P
    • Regulation Z
    • E-SIGN Act
    • UDAAP
    • BSA/AML
    • KYC/CIP
    • Regulation B
  • Ensure that N26 has effective systems, procedures, and controls for risk & compliance with requirements and standards under the regulatory system
  • Lead the operational implementation of such systems, procedures, and controls
  • Identify gaps in risk & compliance, and address those by implementing systems, procedures, and controls and working with business systems to implement them
  • Provide guidance on other compliance and risk topics relevant to financial institutions and technology companies
    • PCI-DSS
    • 3rd Party Risk Management
    • Check fraud
    • ACH fraud
  • Anticipate the impact of financial regulatory change/amendments to N26’s policies and procedures
  • Maintain issuing bank relationship on compliance-related topics
    • Train and educate colleagues on compliance obligations
    • Address regulatory requests
    • Manage ongoing / monthly/annual compliance reviews
    • Report unusual activity
    • Track and respond to regulatory complaints
  • Establish relationships with relevant governing bodies, including but not limited to the CFPB, FDIC, Federal Reserve, and OCC
  • Review due diligence requirements for existing and new vendors

What you need to be successful:


  • 5 - 7 years of risk & compliance-related experience at a federally regulated bank, FinTech, or other financial institution subject to risk, regulatory, and compliance monitoring


  • Advanced knowledge of compliance laws and regulations, banking operations and procedures, and security procedures
  • Experienced with the development and operational implementation of risk and compliance policies, programs, and procedures, including regulatory risk assessments
  • A strong hands-on mentality with a focus on execution, and high motivation to take an active role in our company
  • Excellent interpersonal and communication skills required, both verbal and written
  • Operate well under stress, even faced with tight timelines for ambitious deliverables
  • International experience (study or work abroad) and thrive in a multicultural environment
  • BA or BS degree with strong academic performance; JD or LLM strongly preferred
  • Advanced industry certifications or certificates (e.g., CAMS) strongly preferred

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.