Banking Operations Analyst - Payments (German Speaker)

About the opportunity

We're looking for a skilled Banking Operations Analyst to contribute to our growing team. In this role, you will investigate payment issues, manage bank-to-bank communications, and uphold the integrity of our payment operations. You will also have the chance to engage with an incredibly dedicated team who puts the customer experience in the forefront of everything they do - and have fun while at it! Our team is dedicated, collaborative, and committed to excellence. We work together to achieve common goals, support each other’s growth, and maintain a high standard of performance. Our commitment to integrity and professionalism ensures that we consistently meet challenges with enthusiasm and a solution-oriented mindset. If you thrive in a high-impact role and approach challenges with a proactive, problem-solving mindset, we’d love to hear from you!

In this role, you will:

• Ensure the accurate and timely processing of payments across various banking networks, including SWIFT, SEPA.
• Investigate and resolve payment issues, including failed, delayed, or disputed transactions, by collaborating with internal teams and external banking partners.
• Manage bank-to-bank communications, ensuring smooth transaction flows and compliance with industry regulations.
• Monitor and analyze payment operations data, identifying trends, inefficiencies, and opportunities for process improvement.
• Work closely with compliance and risk teams to ensure adherence to AML, KYC, and regulatory guidelines related to payment processing.
• Support automation and process optimization efforts, reducing manual work and improving operational efficiency.
• Collaborate with cross-functional teams, including finance, technology, and customer support, to enhance payment workflows and address operational challenges.

What you need to be successful:

Professional Experience & Knowledge:

• 1-3+ years of experience in payment operations, transaction processing, or financial operations within a bank, fintech, or payment service provider.
• Familiarity with SWIFT, SEPA, or other payment rails.
• Understanding of banking regulations and risk management in payments.
• Experience handling payment investigations, reconciliations, and resolving discrepancies.

Technical & Analytical Skills:

• Data Analysis & Reporting – Proficiency in Google workspace, SQL tools for data analysis and reporting.
• Attention to Detail – Strong ability to spot errors, discrepancies, and anomalies in transactions.
• Automation & Process Improvement – Experience with process optimization, automation tools, or working with tech teams to enhance efficiency.

Soft Skills & Work Approach:

• Problem-Solving Mindset – Ability to think critically, troubleshoot payment issues, and propose solutions quickly.
• Adaptability & Resilience – Comfortable working in a fast-paced, high-pressure environment with tight deadlines.
• Strong Communication Skills – Ability to liaise with internal teams (finance, compliance, risk) and external stakeholders (banks, auditors, customers).
• Team Player with Independence – Works well in a team setting but can also take ownership of tasks independently.
• Language skills – excellent written and verbal communication skills in English and German. Another European language is a bonus.

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 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.  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? Apply now for this position.

Equal Opportunities:

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. 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.  Visit our website to learn more about Diversity, Equity, & Inclusion at N26.