Jobs at N26

Lead the vision, roadmap, architecture, and execution strategy for a centralized machine learning platform at a digital bank. Own enterprise MLOps infrastructure, model evaluation, monitoring, governance, and high-volume real-time decisioning for fraud, credit risk, and operations. Partner with engineering, data science, security, legal, and regulatory stakeholders while mentoring product managers and establishing platform standards.

Lead the vision, roadmap, architecture, and execution of a centralized machine learning platform for high-volume banking applications. Own MLOps infrastructure, model evaluation, governance, monitoring, retraining, and real-time inference capabilities. Partner with engineering, data science, security, legal, and regulatory stakeholders to ensure resilient, explainable, compliant systems. Lead multi-squad initiatives, establish product practices, and mentor other Product Managers.

Drive strategy and execution for N26’s Customer Risk Lifecycle and anti-financial-crime initiatives. Responsibilities include defining segment strategy, monitoring KPIs and SLAs, optimizing workflows, evaluating business cases, managing vendors, coordinating cross-functional projects, and aligning Product, Technology, Data, Growth, and Finance stakeholders. The role requires data-driven analysis, SQL proficiency, process automation knowledge, project management skills, and comfort with compliance and regulatory topics.

Drive strategy and execution for N26’s Customer Risk Lifecycle and Anti-Financial Crime initiatives. The role develops KPIs, analyzes workflows and performance data, improves processes through automation, manages vendors, builds business cases, and coordinates cross-functional projects across Product, Technology, Data, Finance, and Growth. It also supports compliance-related initiatives, customer risk optimization, operational scalability, and business resilience.

Create and deliver internal communications across email, newsletters, presentations, intranet content, and video. Manage content planning, hybrid meetings, analytics, intranet migration, and operational communications. Partner with senior leaders and cross-functional teams on HR, change, business strategy, product, and emergency messaging. Support events, gather employee feedback, and ensure communications meet regulatory, entity-specific, and Works Council requirements.

Lead strategy, design, and enterprise adoption of Agentic AI, hyperautomation, process mining, and internal tooling to optimize banking operations. Drive end-to-end AI workflows, integrate with Salesforce and AWS, measure ROI, ensure regulatory compliance (GDPR, EU AI Act), and coordinate cross-functional readiness and change management to scale operations without proportional headcount growth.

Lead strategy, design, and enterprise adoption of Agentic AI, hyperautomation, process mining, and internal tooling to transform banking operations. Drive E2E workflow re-engineering, integrate AI agents with Salesforce and AWS, measure ROI (FTE impact, handling times, error rates), and ensure regulatory compliance and operational readiness.

Support the Investments team in shaping product roadmaps and delivering financial features. Conduct user research, technical scoping, stakeholder coordination, go-to-market planning, and post-launch iteration. Collaborate with engineering, design, compliance, legal, marketing, finance, data, and external partners. Use investment data, market trends, and customer insights to improve adoption, retention, and product growth while ensuring regulatory compliance.

Supports Internal Audit operations through governance, quality assurance, reporting, data analytics, systems administration, findings monitoring, and audit process support. The role manages Audimax and Jira Audit, analyzes audit trends and remediation progress, coordinates with stakeholders, and helps maintain audit methodologies, controls, and reporting for senior management. Banking, regulatory, internal audit, data analytics, and process optimization experience are important.

Conduct risk-based internal audits across N26, with emphasis on Spain’s branch, banking regulations, business operations, and controls. Responsibilities include planning audits, leading audit cycles, preparing reports, supervising junior auditors, monitoring remediation of findings, supporting regulatory engagement, and contributing to strategic projects while maintaining independence and professional standards.

Manages risk-based internal audits across business functions, subsidiaries, and contractors in a regulated banking environment. Responsibilities include audit planning, conducting audits, preparing defensible reports, tracking remediation of findings, assessing operational and financial controls, supporting projects, and maintaining independence and compliance with professional standards. The role requires strong stakeholder management, audit leadership, reporting expertise, and knowledge of banking laws, online banking, retail products, and banking IT systems.

Owns all German tax matters end to end, including strategic tax advice for products and expansion, tax audits, authority relationships, CIT, VAT and withholding tax filings, stakeholder guidance, and process automation. The role partners with Product, Legal, Finance, Regulatory, Marketing, and Accounting teams while building scalable tax controls and workflows. German Steuerberater certification, at least five years of experience, German and English fluency, and strong Excel and financial systems skills are required.

Design, develop, test, deploy, and maintain high-volume payment and card transaction systems. Collaborate with the Tech Lead on architecture and feature delivery, uphold technical and code quality standards, mentor junior engineers, and contribute to a cross-functional team. The role requires JVM and Spring Boot development experience, microservice architecture knowledge, database expertise, and familiarity with modern cloud architecture, preferably AWS.

Investigate and assess complex anti-financial crime cases involving AML, terrorist financing, sanctions, KYC, fraud, and tax evasion. Review escalations for quality, identify typologies and process improvements, enhance transaction-monitoring procedures, and draft Suspicious Activity Reports and authority requests for Italian financial intelligence authorities. The role requires banking AFC experience, knowledge of European and Italian regulations, analytical skills, confidentiality, and fluency in English and Italian.

Manage treasury operations, liquidity, cash reserves, investments, money market portfolios, central bank accounts, and payment systems. Execute and record trades, oversee Repo and Reverse Repo activity, monitor liquidity KPIs, support audits and regulatory compliance, and maintain First Line of Defense risk controls. Lead new product implementations, vendor onboarding, core banking enhancements, and automated SQL reporting while coordinating across Risk, Accounting, and Regulatory Reporting.

Build and maintain Android payment and card transaction experiences within cross-functional teams. The role involves Kotlin development, reactive programming with Flows and Coroutines, testable software design, dependency injection, and collaboration using Agile methodologies. Engineers are expected to take product ownership, contribute to knowledge sharing, write well-tested and documented code, and work effectively in a hybrid Barcelona or Berlin environment.

Coordinates anti-financial crime operations for the French MLRO function. Reviews AML-CFT investigations, complex cases, sanctions screening, enhanced due diligence, authority requests, and suspicious activity reports. Acts as Declarant Tracfin, ensures SAR quality, guides AFC and KYC analysts, supports customer communications, and improves local procedures in line with French and European financial crime regulations.

Develop, test, deploy, and maintain backend software for customer incentives and engagement features. Manage project priorities and deliverables collaboratively, contribute to technology discovery and innovation, and maintain well-tested, documented, and secure code. The role requires JVM and Spring Boot development experience in large-scale production systems, microservices knowledge, relational and non-relational database experience, and familiarity with AWS cloud architecture.

Design, develop, test, deploy, and maintain backend services supporting N26 premium memberships and subscriptions. Implement customer-facing features, collaborate with engineers and cross-functional partners, participate in code reviews, troubleshoot production issues, and improve system reliability. The role requires understanding of APIs, databases, distributed systems, relational databases, microservices, cloud platforms, and clean coding practices.

Build and maintain scalable backend systems throughout the feature lifecycle, from discovery and design through development, testing, deployment, and maintenance. Partner with product, technology, and design teams to deliver customer-focused features. Manage project priorities, contribute architectural ideas, stay current with technology, and use AI development tools while maintaining strong standards for security, testing, documentation, ownership, and collaboration.