Process/ Regulatory change Expert IV

ING; Amsterdam; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Competitive salary

Pension scheme

13th month salary

8% holiday allowance

Hybrid working options

Mobility card

Job summary

ING is seeking a Regulatory Change & Process Expert to translate regulatory requirements into scalable Lending processes. You will collaborate with Product Leads, Risk, Compliance and Technology to design future-proof solutions that enhance customer experience and strengthen controls.

You will lead end-to-end regulatory change efforts, drive process excellence, and enable operational efficiency across the Lending value chain in a data-driven, compliant manner.

Qualifications

• 5+ years of experience in Wholesale Banking, Lending, Risk, Regulatory Change, Process Management or a similar environment.
• Proven experience delivering complex change initiatives in a matrix organization.
• Experience working with regulatory requirements, audits, controls and remediation activities.
• Experience working in Agile and product-oriented organizations is preferred.

Responsibilities

• Lead the analysis and implementation of regulatory and policy-driven changes impacting Wholesale Banking Lending.
• Assess regulatory requirements and translate them into clear business, process and control requirements.
• Coordinate impact assessments across products, processes, systems and stakeholders.
• Drive implementation activities and monitor delivery of regulatory commitments.
• Support internal and external audits, inspections and issue remediation activities.
• Ensure regulatory requirements are embedded into day-to-day operations and product design.

Skills

Regulatory Change

Process Management

Stakeholder Management

Agile Methodologies

Education

Bachelor's degree in a relevant field

Tools

BPMN

Job description

The Team

At ING, we empower people to stay a step ahead in life and in business. Within Wholesale Banking, the Lending Tribe plays a crucial role in realizing our ambition to deliver a fast, seamless, personalized and data-driven lending experience for our customers.

Your Role

As a Regulatory Change & Process Expert, you will combine expertise in regulatory implementation, process management and operational design. You will play a key role in translating regulatory requirements and strategic objectives into scalable, efficient and compliant Lending processes.

You will work closely with Product Leads, Business Experts, Risk, Compliance, Operations and Technology teams to design future-proof solutions that improve customer experience, strengthen controls and enable operational excellence.

Key Responsibilities

Regulatory Change

• Lead the analysis and implementation of regulatory and policy-driven changes impacting Wholesale Banking Lending
• Assess regulatory requirements and translate them into clear business, process and control requirements
• Coordinate impact assessments across products, processes, systems and stakeholders
• Drive implementation activities and monitor delivery of regulatory commitments
• Support internal and external audits, inspections and issue remediation activities
• Ensure regulatory requirements are embedded into day-to-day operations and product design

Process Excellence & Operational Design

• Design and maintain end-to-end Lending process architecture, aligning business processes, operating models, controls, data flows and supporting technology capabilities
• Support the design and implementation of Target Operating Models (TOMs) enabling strategic transformation objectives
• Lead cross-functional initiatives that require alignment between Business, Risk, Compliance, Operations, Data and Technology stakeholders
• Identify process inefficiencies, operational risks and improvement opportunities through data-driven analysis
• Facilitate workshops with stakeholders to define future-state solutions and implementation approaches
• Drive process standardization, simplification and automation initiatives across the Lending value chain
• Ensure process design incorporates regulatory requirements, risk controls and auditability by design
• Define and monitor process performance indicators and support continuous improvement initiatives.
• Identify opportunities to leverage automation, AI and digital capabilities to improve process execution, knowledge management, control effectiveness and user experience

Stakeholder Management

• Act as a trusted advisor to Product Leads and senior stakeholders on regulatory change and process management topics
• Build strong relationships across Business, Operations, Risk, Compliance and Technology
• Communicate complex regulatory and process topics in a clear and actionable manner
• Facilitate alignment between strategic objectives, regulatory expectations and operational execution

What we are looking for

Experience

• 5+ years of experience in Wholesale Banking, Lending, Risk, Regulatory Change, Process Management or a similar environment.
• Proven experience delivering complex change initiatives in a matrix organization.
• Experience with process optimization, operational excellence or business transformation programs.
• Experience working with regulatory requirements, audits, controls and remediation activities.
• Experience working in Agile and product-oriented organizations is preferred.

Knowledge & Skills

• Strong understanding of Lending products, processes and operational workflows
• Strong stakeholder management and influencing skills
• Excellent analytical and problem-solving capabilities
• Ability to translate complex regulatory requirements into practical business solutions
• Strong process modelling and process improvement skills
• Experience with process mapping methodologies and tools (e.g. BPMN, ARIS, ArchiMate, Draw.io or similar)
• Knowledge of operational risk, non-financial risk and control frameworks
• Strong written and verbal communication skills
• Ability to work independently while managing multiple priorities

Personal Profile

You are:

• Curious and eager to understand how things work
• Structured and able to simplify complexity
• Proactive and delivery-focused
• Comfortable challenging the status quo
• Collaborative and able to build strong stakeholder relationships
• Driven to create sustainable and scalable solutions
• Passionate about improving customer journeys while ensuring compliance and control

Rewards and benefits

We want to make sure that it’s possible for you to strike the right balance between your career and your private life.

Find out more about our employment conditions.

The benefits of working with us at ING include:

• A competitive salary aligned with your skills and experience

• 25-28 vacation days depending on your contract

• Pension scheme

• 13th month salary and 8% holiday allowance

• Individual Savings Contribution (BIS), 3.5% of your gross annual salary

• Flexible working hours and hybrid working options

• A mobility card: choose your mode of transport for commuting each day, with free public transport on weekends.

• Personal growth and challenging work with endless possibilities

• An informal working environment with a diverse group of innovative colleagues

About us

Curious about how ING empowers people and businesses to move forward?

Discover what we do and what we can offer you

Questions

Please visit our Frequently Asked Questionssection to find some answers on questions you might have.