KYC Specialist

About the opportunity

We are seeking an experienced KYC Specialist (EDD/ODD) to join our expanding KYC team in Madrid. This role focuses on handling the Enhanced Due Diligence (EDD) and Ongoing Due Diligence (ODD) processes for the German 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:

• 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. 
• Come together with your team in the office for a dedicated day of teamwork each week, plus another day of your choice, and enjoy the flexibility of remote work the rest of the time. Some roles may require additional in-office presence.
• 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 [email protected]. 

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

Please submit your CV in English!