Senior Banking Operations Lead - ACH

| Greater NYC Area

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 is Europe’s first Mobile Bank with a full European banking license. We have 2.4 million customers across 24 markets. Our team of over 800 employees in 3 locations is concentrated on reinventing the banking experience for the digital generation. Valentin Stalf and Maximilian Tayenthal founded N26 in 2013 and launched the initial product in early 2015. Since January 2015, N26 has been available for Android, iOS, and desktop. N26 has raised more than $500 million from investors including Insight Venture Partners, GIC, Tencent, Allianz X, Peter Thiel’s Valar Ventures, Li Ka-Shing’s Horizons Ventures, Earlybird Venture Capital, Greyhound Capital, Battery Ventures, in addition to members of the Zalando management board, and Redalpine Ventures.

Do you have a knack for strategy and building? N26 US is seeking an ACH Expert who will be key to our US Payments Operations and will be instrumental in establishing our ACH offering by collaborating with our CS and Ops team to help establish our ACH Operations from scratch. This is an exciting opportunity to join N26 from the ground up as we move closer to our US launch and beyond! 

Once Here You Will

  • Establish N26’s ACH Center of Excellence by developing, iterating and implementing ACH and carry out ACH processes within our US Operations Department.
  • Act as Internal leader/SME with expertise across all ACH topics.
  • You will be the point person for all ACH related topics cross-functionally and will drive the development of our ACH strategy, solutions and operations
  • Recommend and implement innovative and compliant processing methods to allow improved operating efficiency and customer service.
  • Liaise with other areas of N26 to ensure compliant and seamless department operations.
  • Build ACH processes through multiple channels, resolve exceptions and ensure compliance to NACHA rules, regulation, policy and procedures.
  • requests and customer research requests.
  • Stay abreast of NACHA rules and other applicable regulations to ensure continued compliance.
  • Manage and oversee the ACH and Payment Services related functions as needed.
  • Additionally, you will provide support on a range of processes across Payment and Banking Operations (including claims, insolvencies, ACH payment investigations and disputes, account closures, returned cards, reconciliation, reporting)

What You Will Bring Along

  • Accredited ACH Professional (AAP).
  • 5+ year expertise in all aspects of ACH.
  • NACHA certification preferred upon hire
  • Expertise in NACHA rules, guidelines and banking regulations.
  • Expertise  in ACH and other financial payment systems (e.g., familiarity SWIFT, Fedwire, CHIPS knowledge is not required, but nice to have) in order to establish and carryout ACH processes.
  • Expert understanding and knowledge of banking/payments operations, policies and procedures.
  • Entrepreneurial with the ability to think strategically and execute.

What we offer

  • Working with diverse, highly engaged peers
  • Exciting and varied tasks
  • A crucial role in a highly motivated, talented and international team
  • Getting things done attitude
  • High degree of autonomy
  • Flat hierarchy and open communication
  • Full-time role in NYC
  • Self-improvement budget to spend on attending conferences, taking courses, and purchasing books
  • Competitive remuneration
  • Find a career path. Not just a job. Some of our benefits and rewards can be found on our careers website

Meet the Team

The N26 US team is a group of unique and talented people consisting of alumni from Stanford, Northwestern, University of Chicago, Duke, Syracuse, Villanova, and University of California, just to name a few! Many of us have gained our previous work experience at companies like Airbnb, Dow Jones, The New York Times, Expedia, PwC, J.P. Morgan, Etsy and Morgan Stanley.

As far as fun facts go, our team is comprised of two NYC marathon finishers, a former sushi chef, a former competitive wakeboarder, and a certified yoga instructor. Collectively, we speak English, German, Greek, French, Spanish, Italian, Cantonese, Portuguese and Hebrew.

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Technology we use

  • Engineering
    • JavaLanguages
    • JavascriptLanguages
    • KotlinLanguages
    • PythonLanguages
    • RubyLanguages
    • ScalaLanguages
    • SwiftLanguages
    • FluxLibraries
    • jQueryLibraries
    • ReactLibraries
    • ReduxLibraries
    • FlaskFrameworks
    • FlexFrameworks
    • HadoopFrameworks
    • SparkFrameworks
    • SpringFrameworks
    • TensorFlowFrameworks
    • MySQLDatabases
    • Neo4jDatabases
    • PostgreSQLDatabases
    • RedisDatabases

Location

We are in Hudson Square. It's clean, new, and there is great food all around us!

An Insider's view of N26

What are some social events your company does?

We've had quite a few social events so far, from lunches and happy hours on rooftops to Escape the Room challenges here in our NYC office. In a particularly adventurous outing, the team went to Sleep No More at the McKittrick Hotel. We are a pretty adventurous bunch so we're always coming up with interesting ideas for places to go!

Amaan

Associate Product Manager

What does your typical day look like?

In the mornings, our Berlin and NYC offices are available in both of our timezones. We usually catch up and hold meetings including daily stand-ups. The team typically grabs lunch together around noon. In the latter part of the day, it's usually distraction-free work time; I feel more productive later in the day, so this is great!

Foti

Senior Software Engineer

How does the company support your career growth?

Each employee receives a personal development budget, which we can use for professional development in our fields or in another N26 work field. Whether it’s a marketing conference in LA or a local class on coding, it’s a perk N26 gives us that can help us grow and become a stronger, more productive employee.

Francisco

Talent Sourcing Specialist

How do you empower your team to be more creative?

I think people are inherently creative, but some have been told "no" too many times, where they evolve to be pragmatists. (Not necessarily a bad thing) You encourage the recovery of creativity by not saying no, by listening even to the the most outlandish ideas and taking the time to walk through those ideas with the person, and challenging yours.

Helen

Product Lead

What are N26 Perks + Benefits

Culture
Eat lunch together
Open door policy
Open office floor plan
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Team workouts
N26 Loves to workout: We do monthly group workouts at the coolest studios!
Retirement & Stock Options Benefits
401(K)
Company Equity
Child Care & Parental Leave Benefits
Flexible Work Schedule
Acme Co. provides employees with a flexible work schedule that includes Flexible start and end times.
Vacation & Time Off Benefits
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Stocked Kitchen
Some Meals Provided
Happy Hours
Pet Friendly
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
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