Lead Product Manager - Customer Due Diligence

N26; Barcelona; Presencial; EUR 110.000 - 140.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Personal development budget

Work from home budget

Fitness & wellness discounts

Language apps

Public transportation

Premium N26 account

Descripción de la vacante

N26 is seeking a Product Lead for Customer Due Diligence to own end-to-end vision across data collection, AI-powered KYC operations, and risk-based EDD. You will interface with MLROs, Compliance, Legal and engineering to scale compliance across Europe while minimizing user friction.

Ideal candidates bring 6+ years in product management, with strong domain expertise in regulated environments and a track record of shipping in-house automation and AI/ML tooling.

Formación

• 6+ years in product management with 2+ years in a leadership role.
• Regulated fintech/banking experience with KYC/AML/EDD exposure.
• Demonstrated ability delivering in-house automation or AI/ML workflows.
• Partnering with MLROs, Compliance, Legal and auditors to translate regulation into product roadmaps.
• Strong data-driven approach with metric ecosystems and decision defence.
• Excellent written and verbal English, able to align cross-functional teams.

Responsabilidades

• Own a defined capability area with roadmap and outcomes.
• Lead discovery from data, client voice, and operations to inform problems.
• Understand evolving regulations (e.g., AMLA) and roadmap compliance requirements.
• Instrument area with key metrics and counter-metrics to justify priorities.
• Collaborate with operations, MLROs, and product teams to solve real problems.
• Design for auditability and client protection; close audit findings.
• Manage PMs and Business Managers, shaping their roadmaps and growth.

Conocimientos

Product leadership

Regulated environments

AI & automation

Regulatory governance

Data fluency

Executive presence

Herramientas

In-house automation tools

AI/ML workflows

Descripción del empleo

About the opportunity

Customer Due Diligence is how N26 keeps millions of accounts safe and compliant without slowing down our customers' everyday banking.

Our ambition is trust at scale: seamless compliance that operates continuously in the background, protecting the bank while keeping user friction to an absolute minimum. We build our core compliance infrastructure in-house, owning our orchestration, verification workflows, and AI automation rather than relying on off-the-shelf vendor limitations, and the group is now evolving from static onboarding checks to an intelligent, real-time lifecycle system.

As Product Lead for Customer Due Diligence, you will own the end to end product vision and strategy across four critical domain streams: automated data collection (tax, address, AML questionnaire), AI-powered KYC operations, risk-based Enhanced Due Diligence (EDD), and the ongoing Customer Identity Lifecycle (re-verification and eligibility). Working at the intersection of applied AI, financial crime regulations, and core product UX, you will lead the teams’ shipping capabilities that keep N26 fully compliant across Europe, without customers ever feeling the complexity behind it.

In this role, you will:

• Own a capability area: Take full product ownership of a defined slice of the programme, for example Customer Identity Lifecycle, including its roadmap, delivery and outcomes.
• Ground everything in evidence: Lead discovery on regulatory requirements and conversion rates; building problem statements from data, client voice and operational data rather than assumption.
• Understand the regulatory landscape: Especially with the new regulations coming up such as AMLA, understand what is needed, and build a roadmap to achieve what’s absolutely necessary to stay compliant.
• Own your numbers: Instrument your area with your key metrics and the counter-metrics that prove prioritisation decisions. You should be able to defend every figure you present.
• Work the interfaces: Collaborate with operations, MLROs, and peer product teams so that what you ship solves real problems.
• Build for a regulated bank: Design compliance, auditability and client protection into every capability from the start. Own your audit findings and ensure timely closure.
• Manage product & business managers: You will oversee a small team of PMs and Business & Steering Managers, owning their product roadmaps & strategies while growing and mentoring the team to deliver value.

What you bring:

• Product Leadership & Impact: 6+ years in product management, including 2+ years in a product leadership role with at least one shipped product or major capability owned end-to-end, alongside a proven track record of managing, coaching, and mentoring PMs & Business Managers.
• Domain Expertise in Regulated Environments: Deep experience operating within regulated fintech or banking environments, with direct domain exposure to KYC, AML, Enhanced Due Diligence (EDD), or identity lifecycle systems.
• Applied AI & Automation Experience: Demonstrated capability delivering in-house automation, internal operational tools, or applied AI/ML workflows that streamline complex operations while minimizing customer friction.
• Regulatory Navigation & Governance: Proven ability to partner directly with MLROs, Compliance teams, Legal, and auditors: translating evolving regulatory frameworks (e.g., EU AML directives, AMLA) into scalable product roadmaps and closing audit findings.
• Data Fluency & Strategic Rigor: High analytical rigor with a track record of instrumenting complex metric ecosystems (balancing conversion rates with counter-metrics like risk exposure and operational cost) to defend strategic decisions.
• Executive Presence & Stakeholder Alignment: Exceptional written and verbal communication skills in English, with the versatility to influence executive leadership, align cross-functional stakeholders (Ops, Legal, Tech), and go deep with engineering teams.

Nice to have:

• Hands-on experience scaling in-house verification workflows or identity orchestration systems across multiple European markets.
• Background in operational process optimization and AI-driven case management tooling.

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, experiences, and backgrounds.
• A relocation package with visa support for those who need it.