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Senior Change Risk Associate


About the opportunity

Are you ready for your next career step? We are seeking a Senior Change Risk Associate to join our Risk Management team. This is a unique opportunity to play a pivotal role in safeguarding N26's continual drive for integrity and dependability in the financial industry. This position is an opportunity to be at the forefront of non-financial risk management, ensuring that we are in full compliance with MaRisk AT 8.1, AT 8.2, and AT 8.3 regulations. You will be an integral part of our commitment to operational excellence, working closely with various stakeholders and driving continuous improvement in our risk management processes.

In this role, you will:

  • Continuously develop the adjustment & change risk framework to ensure operational resilience, process efficiency, and adherence to the latest legal and regulatory requirements. 
  • Ensure that processes for MaRisk AT 8.1, AT 8.2, and AT 8.3 are implemented and maintained according to regulation.
  • Develop our New-Product-Processes (NPP) based on the MARisk AT guidelines for our innovative products.
  • Accompany single adjustments & changes, providing expert guidance throughout the process.
  • Serve as the Single Point of Contact (SPOC) for non-financial risk management, fielding and answering general process questions from adjustment owners.
  • Collaborate with a diverse range of stakeholders (Product Management, Project Management, CEO Office, Compliance, Anti-Financial Crime, Information Security Management, Business Continuity Management, Outsourcing, etc.) to facilitate effective risk management.
  • Continuously improve adjustment & change processes to provide management and advisory board with actionable insights on N26’s overall risk profile
  • perform process risk and control assessments for new and changed processes in our organisation

What you need to be successful:


  • A Bachelor’s or Master’s degree in Business Administration, Economics, or other relevant areas.
  • 3+ years of professional experience in Non-Financial Risk Management, preferably gained in banking/financial services or in a consulting firm.
  • Experience in or sound knowledge of MaRisk Adjustment processes and standards applicable to the financial industry.


  • Strong understanding of banking operations and regulations.
  • Excellent communication skills, effective both on technical and managerial levels.
  • Analytical abilities to assess and manage risks, complemented by strong analytical and conceptual skills.
  • Creativity and critical thinking, with the ability to identify problems and propose solutions.
  • Sound knowledge of relevant legal and regulatory requirements and common industry standards.
  • Proven track record in project delivery.
  • An entrepreneurial vision, an autonomous attitude, and a ‘get things done’ approach.
  • Hands-on approach and eagerness to tackle new topics, demonstrating quick conceptual and strategic thinking.
  • Fluency in English is required; German is a plus.


  • Independent, able to work autonomously and make decisions.
  • Curious, always looking for ways to improve processes.
  • Collaborative, able to work well with teams and stakeholders.
  • Strong topic ownership and a bias for action.
  • Critical thinking and a drive to improve the status quo.
  • Passion for risk management, internal controls, and complex problem-solving.
  • Both attention to detail and strong conceptual thinking.
  • Flexibility in a fast-changing and agile environment.
  • Actively help oneself and the team to be successful.
  • Willingness to continuously learn and act upon direct feedback.

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.    
  • Vacation days vary depending on your location of work. 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. 

Founded in 2013, N26 now has more than 8 million customers in 24 markets. 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.

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.