Treasury Senior Associate

About the opportunity

As Senior Associate, Treasury, you will autonomously drive core treasury operations, liquidity and cash management, and investments (with a primary focus on public sector financing). Operating with high autonomy, you will manage the short term Treasury book, central bank operations, assess bank’s liquidity position and monitor key KPIs. Acting as a crucial bridge across Group Risk, Accounting, and Regulatory Reporting, you will also as 1 LoD maintain audit readiness to ensure complete operational stability.

In this role, you will:

• Trade Execution & Portfolio Management: Evaluate potential investment opportunities, then price (Bloomberg experience required), execute, and log transactions across Front Office tools, focusing primarily on public sector financing and short maturities. Proactively manage money market products and the short-term book, including Repo and Reverse Repo portfolios.
• Liquidity & Reserve Management: Oversee key liquidity functions, including Bundesbank cash pooling, Eurosystem minimum reserve requirements, overnight deposits, credit lines, and short-term portfolio hedging.
• Payment Systems & Central Bank Operations: Serve as the primary deputy for key payment and settlement infrastructure (Target, ESMIG, MACCS) and oversee central bank account management.
• Audit, Compliance & Governance: Support internal and external audits, enforce compliance with key banking regulations, and drive First Line of Defense (1LoD) risk management.
• Product & Tech Initiatives: Lead New Product Process (NPP) implementations, vendor onboarding, core banking system enhancements, and automated reporting solutions using SQL.

What you need to be successful:

• Experience: Strong background in bank treasury operations, liquidity management, and money markets, with a preference for hands-on Repo/Reverse Repo and hedging experience.
• Technical & System Expertise: Solid familiarity with Treasury Front Office tools (Bloomberg experience required), payment and settlement systems (Target, ESMIG, MACCS), and data querying skills (SQL).
• Regulatory Knowledge: Deep understanding of financial markets combined with a sound grasp of Eurosystem frameworks, reserve requirements, and key European banking regulations (including MaRisk, CRR III, and KWG).
• Ownership: Proven ability to drive cross-functional projects, step in as a trusted deputy across core functions, and operate autonomously in a fast-paced environment.

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.

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.

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!

Equal opportunities for all

At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.

We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!

Discover more about Diversity & Inclusion at N26: https://n26.com/en-eu/diversity-and-inclusion