Complaints Compliance & Prevention Manager

N26; Berlin (NH); On-site; USD 138,000 - 207,000; Full time

Benefits offered by this job

Relocation package

Work from home budget

Premium N26 account subscription

Fitness and wellness discounts

Job summary

N26 seeks an analytical, regulatory-minded Complaints Compliance and Prevention Manager to lead compliance governance, audit remediation, and preventive controls within our Complaints Management and Prevention department. You will own planning and execution of remediation roadmaps across markets, ensuring data quality and operational integrity.

You will establish a BaFin-compliant RCA framework, manage Written Orders, and engage with 2LoD/3LoD and external regulators while leading a

Qualifications

• 5+ years of proven experience in compliance controls, assurance, banking operations or complaints management in German financial space.
• Full working proficiency in German language.
• Experience leading people or major workstreams within complaint management or dispute resolution.
• Deep knowledge of European and German banking regulations (MaBeschwer, MaComp, MaRisk, PSD2).
• Experience in executing regulatory remediations and cross-functional projects.
• Experience communicating with senior stakeholders across an organization.

Responsibilities

• Lead the end-to-end regulatory remediation roadmap and milestone governance.
• Build and scale the preventive RCA framework and triggers beyond volume.
• Own CMP’s Written Orders, procedures, and work instructions across markets.
• Serve as primary contact for 2LoD/3LoD and external regulators.
• Direct and mentor team members in matrixed, cross-functional settings.

Skills

Regulatory compliance

Complaint management

Banking operations

Leadership

German language

Job description

About the Role

N26 is seeking an analytical, regulatory-minded Complaints Compliance and Prevention Manager to lead compliance governance, audit remediation, and the preventive control framework within our Complaints Management and Prevention department. Reporting directly to the head of the department, you will own the end-to-end planning and execution of our regulatory remediation roadmap, separating administrative control and preventive functions from operational case handling. In this role, you will establish a robust, BaFin-compliant preventive Root Cause Analysis (RCA) framework and oversee CMP s Written Orders (SfO) to ensure full operational integrity, data quality, and compliance across all active N26 markets.The role combines a compliance mindset with deep understanding of operations specificity.

What You Will Do

Regulatory Remediation and Governance: Lead the end-to-end delivery of the regulatory remediation roadmap, managing Test of Design (ToD) and Test of Effectiveness (ToE) milestones in alignment with BaFin MaBeschwer, MaComp, MaRisk, and general KWG expectations.

Preventive Framework and RCA: Build, govern, and scale the preventive RCA framework (MaBeschwer Tz. 18), establishing risk-based selection triggers beyond volume (e.g., PSD2, WpHG, financial loss, reputational risk) to eliminate systematic product and process defects.

Written Order (SfO) Ownership: Maintain, update, and own CMP’s Written Orders, procedures, and work instructions for structural compliance, process consistency, and cross-market operational alignment.

Control Function and Stakeholder Interface: Serve as the primary operational contact for 2LoD (Compliance, Risk Management), 3LoD (Internal Audit), and external regulatory stakeholders.

Team Leadership and Performance: Direct and mentor Associate/Specialist team members in the matrix structure and cross-functional alignment with Product, Tech (PTX), Legal, and CS.

What You Will Bring

Minimal requirements:

5+ years of proven experience in compliance controls, assurance, banking operations or complaints management in German financial space,

full working proficiency in German language.

Background and Experience: Professional experience in banking operations, regulatory compliance, or audit remediation, with at least 2+ years leading people or major workstreams within complaint management or dispute resolution in a regulated financial institution.

Regulatory Expertise: Deep knowledge of European and German banking regulations, including MaBeschwer, MaComp BT 12, MaRisk AT 4.3.4 / AT 7.1, and PSD2 Article 101.

Project and Risk Leadership: Proven track record of executing complex regulatory remediations, implementing internal control systems (ICS), and managing cross-functional projects.

Senior Management Exposure: Experience in communicating with senior stakeholders, addressing their requests, and comfortable interacting across all levels of the organisation.

Data and Technical Literacy: Understanding of the cases processing technology, customer interfaces, and ticketing platform, as well as operation indicators.

Languages: Professional fluency in English and German.

What’s in it for you:

Accelerate your career growth by joining one of Europe’s most innovative banks.
Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness and 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.
Vacation days vary depending on your location of work. 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.
Founded in 2013, N26 now has 7 million customers in 24 markets. We employ more than 1,500 employees across 3 office locations in Berlin, Vienna and Barcelona.

N26 is an equal opportunity employer and values diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status or disability status.