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Risk & Compliance Manager - US

New York City

We are The Mobile Bank.
Our vision is to build a bank the world loves to use.
Technology and design empower everything we do.

N26 offers an unparalleled banking experience and is recognized as a game changer in the banking industry. Founded in 2013 by Valentin Stalf and Maximilian Tayenthal, N26 has more than 380 employees and more than 850.000 customers in 17 countries. N26 has raised more than $215 million from investors including Allianz X, Tencent, Li Ka-Shing’s Horizons Ventures, Battery Ventures and Valar Ventures, in addition to members of the Zalando management board, Earlybird Venture Capital and Redalpine Ventures. We are seeking strong candidates to support our U.S. expansion.


  • You will be responsible for providing guidance on federal and state banking regulations and their associated impact on N26’s operations in the US, including:

  • Regulation CC (Federal Reserve)

  • Regulation DD

  • Regulation E

  • Regulation K (Federal Reserve)

  • Regulation P

  • Regulation Z

  • E-SIGN Act




  • Regulation B

  • Ensure that N26 has effective systems, procedures, and controls for risk & compliance with requirements and standards under the regulatory system

  • Lead the operational implementation of such systems, procedures, and controls

  • Identify gaps in risk & compliance, and address those by implementing systems, procedures, and controls and working with business systems to implement them

  • Provide guidance on other compliance and risk topics relevant to financial institutions and technology companies


  • 3rd Party Risk Management

  • Check fraud

  • ACH fraud

  • Anticipate the impact of financial regulatory change/amendments to N26’s policies and procedures

  • Maintain issuing bank relationship on compliance-related topics

  • Train and educate colleagues on compliance obligations

  • Address regulatory requests

  • Manage ongoing / monthly/annual compliance reviews

  • Report unusual activity

  • Establish relationships with relevant governing bodies, including but not limited to the CFPB, FDIC, Federal Reserve, and OCC

  • Review due diligence requirements for existing and new vendors

  • This is a unique opportunity to build N26 US’s risk & compliance team for bank operations/regulation from the ground up

  • Create a hiring plan and recruit top talent to support the risk & compliance team’s efforts

  • Have a direct role in developing the team’s culture


  • You have a minimum of 5 - 7 years of risk & compliance-related experience at a federally regulated bank, FinTech, or other financial institution subject to risk, regulatory, and compliance monitoring
  • You have advanced knowledge of compliance laws and regulations, banking operations and procedures, and security procedures
  • You are experienced with the development and operational implementation of risk and compliance policies, programs, and procedures, including regulatory risk assessments
  • You come with a strong hands-on mentality with a focus on execution, and high motivation to take an active role in our company
  • Excellent interpersonal and communication skills required, both verbal and written
  • You operate well under stress, even faced with tight timelines for ambitious deliverables
  • You have some international experience (study or work abroad) and thrive in a multicultural environment
  • BA or BS degree with strong academic performance; JD or LLM strongly preferred
  • Advanced industry certifications or certificates (e.g., CAMS) strongly preferred
  • You have or are eligible for US working authorization


  • Exciting and varied tasks, as well as great colleagues
  • A crucial role in a highly motivated, talented, and international team
  • High degree of autonomy
  • Flat hierarchies, as well as short and open channels of communication
  • Full-time role in NYC
  • Competitive remuneration