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KYC Specialist
Department:Operations
Location:Madrid
About the opportunity
We are seeking an experienced KYC Specialist (EDD/ODD)
to join our expanding KYC team inMadrid
. This role focuses on handling the Enhanced Due Diligence (EDD) and Ongoing Due Diligence (ODD) processes for theGerman market
, with a particular emphasis on High-Risk Customers (HRC) and Politically Exposed Persons (PEP). Your expertise in these critical areas will play a vital role in strengthening N26's compliance culture and ensuring a seamless user experience for our customers.In this role, you will:
- Apply your knowledge of regulatory requirements and industry best practices in the execution of EDD and ODD processes for the German market.
- Leverage your expertise in managing complex KYC cases related to HRC and PEP customers, identifying and mitigating associated risks.
- Utilize your analytical and investigative skills to assess financial statements, transactions, and customer profiles, ensuring compliance with KYC, Anti-Money Laundering (AML), and Counter-Terrorism Financing (CTF) regulations.
- Proficiently use KYC tools, platforms, and software to manage EDD and ODD cases efficiently.
- Ensure compliance with local German regulations and international KYC standards.
- Foster a collaborative team environment, offering support and guidance to junior and experienced team members, while contributing to the ongoing improvement of KYC processes.
- Maintain a customer-centric approach, balancing the need for compliance with providing a seamless, user-friendly experience.
- Adapt to a fast-paced, evolving regulatory landscape, staying abreast of changes in the organization's priorities and incorporating new methodologies and technologies into the KYC workflow.
What you need to be successful:
- Hands-on experience in KYC, specifically in Enhanced Due Diligence (EDD) and Ongoing Due Diligence (ODD).
- Prior experience in finance or banking, ideally with exposure to the German market (preferred).
- Proven ability to manage complex KYC cases and make informed decisions efficiently.
- Strong knowledge of German banking regulations and KYC requirements.
- Proactive, detail-oriented, and capable of excelling under pressure.
- Strong analytical and problem-solving skills, with the ability to generate independent insights.
- Excellent interpersonal and communication skills, with experience supporting stakeholders through complex situation
Skills:
- Fluency in English as well as in one of the following French, Spanish, Italian, or German is mandatory. German Language skills preferred.
- Excellent interpersonal and communication skills, with experience supporting stakeholders through complex situation
- Analytical skills
- A team player with negotiation, communication and good interpersonal skills
- Proactive and detail oriented
- Able to maintain a positive mindset while working under pressure
What’s in it for you:
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 backgrounds.
- A relocation package with visa support for those who need it.