About the opportunity

We are seeking a Product Compliance Manager / Senior Analyst to join the PTX (Product, Technology, and User Experience) Risk & Compliance team within PTX Operations. 

The PTX Risk and Compliance Team is focused primarily on assisting PMs with risk assessments and implementations for new products, compliance initiatives and audit findings. 

This role enables a compliance-oriented professional to help unblock key deliverables and new products by streamlining and coordinating requirements stemming from senior stakeholders across our four main markets (Germany, Spain, Italy, and France), as well as tackle large proactive regulatory initiatives like EU AI Act readiness, DORA implementation, and other relevant MaRisk updates. The ideal candidate will have both a growth and regulatory mindset, enabling senior stakeholders to define the risk appetite for new products and allow N26 to grow in a sustainable and compliant way.

In this role, you will:

• Support PTX segments in conducting discovery risk assessments for new products.
• Coordinate PTX segments during the NPP (New Product Process) Risk and Functional assessment processes and liaising with 2LoD (Line of Defense) for requirements.
• Support PTX and Business Unit with discovery for non-NPP compliance and consumer protection implementations
• Act as a liaison between 1LoD and 2LoD for any PTX implementations.
• Assist PTX with any compliance and consumer protection requirements and implementations for regulatory or audit remediation.
• Enable visibility for the 2LoD on PTX implementations and new products in our pipeline
• Conduct CSRD (Corporate Sustainability Reporting Directive) analyses for PTX
• Conduct gap analysis on new legislation to understand potential PTX responsibilities and subsequent requirements for implementation
• Encourage greater understanding and ownership of risks within the 1LoD
• Strong integration within PTX segments, becoming a trusted point of contact for Product Managers and Engineers

What you need to be successful:

• Three years (five years for manager) working in compliance, product development, risk or strategy at any highly regulated area including but not limited to FinTec, banking, investments, insurance, financial services etc.
• Ability to navigate the regulatory landscape and thoroughly understand the relevant regulations.
• Experience in translating regulatory requirements into actionable compliance measures, ensuring that products meet all legal and regulatory standards.
• Ability to perform risk assessments, identify potential compliance risks, and assist with implementing mitigation strategies.
• Experience in managing complex projects, particularly those involving cross-functional teams and multiple stakeholders.
• Strong understanding of the banking sector, especially understanding of BaIT, Consumer Protection and MaRisk requirements.
• Ability to communicate clearly with peers, as well as stakeholders of all levels within the organization.
• Willingness to grow within the team and develop professionally
• Fluency in English is a must, German language knowledge a plus. Spanish, Italian and/or French are also advantageous but not required.

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, experiences, and backgrounds. 
• A relocation package with visa support for those who need it.

Who we are

N26 has reimagined banking for today's digital world. Technology and design empower everything we do and it's how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do. 

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Sounds good?

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

Equal opportunities for all

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

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

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