Regulatory Compliance - Senior Associate

About the opportunity

Are you passionate about navigating the ever-evolving landscape of financial services regulation and driving excellence in Compliance? Our Regulatory Compliance Function is seeking a talented individual to join the team as Senior Associate - Regulatory Compliance. This is your chance to be at the forefront of developing the Compliance Management System for N26, leading to compliance innovation while ensuring operational activities not only meet but exceed regulatory standards.   Our Group Compliance - Regulatory Compliance team manages the Compliance Risk Management Lifecycle in accordance with MaRisk AT 4.4.2 and thus serves as the backbone of Regulatory Compliance. We proactively identify emerging risks through horizon scanning, conduct in-depth analyses and assessments, execute controls with purpose and provide stakeholder adapted information. From prudential banking requirements underpinning our core business and treasury activities to safeguarding customer rights, we tackle it with strategic foresight and integrity. As a team, we contribute to group-wide initiatives and engage with stakeholders at every level of the organisation. Join us as we further grow our Compliance Function. Expect demanding, impactful work with daily interactions across the organization.  

In this role, you will:

• Contribute to the design, implementation, and execution of a robust second-line Regulatory Compliance framework in accordance with the requirements of MaRisk AT 4.4.2., including horizon scanning, risk assessments, control activities and reporting.
• Conduct compliance assessments on a broad range of regulatory topics and for a variety of material business initiatives across N26.
• Play a key role in delivering on regulatory initiatives of the compliance roadmap including the enhancement of the customer protection framework as well as the compliance culture and awareness program.
• Support the compliance management of the branches of the bank, pursuing group-wide standards for an effective alignment and leveraging synergies in joint initiatives.
• Uphold highest standards of compliance and conduct.
• Become a trusted advisor for First Line business units and other key stakeholders.

 

What you need to be successful: 

• Bachelor's degree in business administration, economics, law, or an equivalent field. 
• An additional qualification e.g. a Master's degree in a relevant field or a compliance qualification e.g. Certified Compliance Professional is a strong plus.
• 3+ years of experience in Compliance, Audit or Risk Management, ideally in Banking or Payments within an international environment.

• Robust knowledge of applicable European and German laws and regulations (e.g. CRR / CRD, KWG, MaRisk, PSD2).
• Good understanding of the three lines of defense model and Compliance Risk Assessments.
• An analytical mindset and experience in successfully executing (Second Line) control and monitoring or advisory activities.
• Fluent in English (German is a plus).

 

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.