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Product & Customer Risk Expert ING NL - Job Opportunity at ING Bank N.V.

Amsterdam, NL

Full-time

Mid-level

Posted: June 3, 2025

Hybrid

EUR 55,000 - 70,000 annually based on mid-level risk management roles in Amsterdam banking sector, with ING's market position typically offering competitive compensation in the upper range plus comprehensive benefits package

Benefits

Flexible 36-40 hour work week with work-life balance optimization, providing significant scheduling autonomy compared to traditional banking roles

Competitive salary package with performance-based compensation structure tailored to individual qualifications and market positioning

Hybrid work arrangement with home office flexibility, offering cost savings and improved work-life integration

Comprehensive commuting allowance reducing personal transportation costs

Above-average vacation entitlement of 24-27 days depending on work schedule, exceeding Dutch statutory minimums

Additional leave options providing enhanced time-off flexibility beyond standard vacation

Robust pension scheme ensuring long-term financial security

13th month salary providing additional annual income equivalent to 8.3% salary boost

Individual Savings Contribution (BIS) of 3.5% gross annual salary as additional compensation

8% holiday payment supplementing vacation time with extra income

Extensive personal and professional development opportunities within global COO organization

Agile working methodology fostering innovation and rapid career advancement

Access to international banking network for career mobility and exposure

Key Responsibilities

Drive strategic control and resilience frameworks across business domains, directly impacting organizational risk posture and regulatory compliance outcomes

Lead implementation roadmaps for new risk requirements, translating complex regulatory changes into operational business solutions that ensure competitive advantage

Design and execute first-line monitoring systems and data-driven evaluation methods, establishing the foundation for enterprise-wide risk management capabilities

Engage senior tribal leadership to embed control and resilience principles into core business processes, influencing organizational culture and operational excellence

Manage specialized IOBA and IIP frameworks representing 30-40% of role focus, overseeing critical payment infrastructure that affects customer experience and regulatory standing

Shape control and resilience agenda through data analytics and reporting, driving executive-level decision making and strategic business direction

Enable cross-functional collaboration between business lines and assurance operations, optimizing organizational efficiency and risk mitigation effectiveness

Provide expert consultation to second and third line of defense colleagues, establishing yourself as the subject matter authority for product and customer risk domains

Build and maintain strategic relationships with senior management across business domains, positioning yourself as a trusted advisor for complex risk and compliance challenges

Requirements

Education

Master/Bachelor degree

Experience

up to 3 years relevant experience, preferably within the Private Individuals domain

Required Skills

In-depth knowledge of, or ability to quickly master, ING NL products and processes Fluent in English and Dutch Strong communication skills: written and oral Good knowledge of (and practical experience) in NFR Framework, monitoring and reporting Good analytical skills Proven planning & organizational skills Driven and customer focused, loving to collaborate with different people You are a team player, but are able to deliver individually in close cooperation with other ING colleagues Making things happen thanks to your 'can do' attitude Problem solving Actively ask for help and feedback, but also dare to give feedback/Speak Up A pragmatic, thorough and result driven approach The capacity to quickly learn new content and acquire new networks Strong organization sensibility and stakeholder management skills You are able to act and perform successfully in an agile environment

Sauge AI Market Intelligence

Industry Trends

Digital banking transformation is accelerating regulatory complexity, with financial institutions investing heavily in integrated risk management platforms that combine traditional banking oversight with fintech innovation capabilities. This creates growing demand for professionals who can bridge regulatory compliance with digital product development. ESG (Environmental, Social, Governance) integration into banking operations has become a critical differentiator, with European banks leading global initiatives to embed sustainability metrics into core risk assessment frameworks. This trend is driving significant demand for risk professionals with ESG specialization. Customer data protection and accessibility requirements are evolving rapidly across EU markets, with banks needing specialists who can navigate GDPR, PSD2, and emerging digital rights legislation while maintaining competitive customer experience standards. Agile methodology adoption in banking risk management represents a fundamental shift from traditional waterfall approaches, requiring risk professionals who can operate effectively in fast-paced, iterative environments while maintaining rigorous compliance standards.

Role Significance

Typically operates within 8-12 person expert team structure, collaborating across multiple business domains and tribal units representing hundreds of employees in matrix organization

Mid-level strategic role with significant cross-functional influence, operating as subject matter expert and trusted advisor to senior management while building expertise for future leadership positions in enterprise risk management

Key Projects

Implementation of new regulatory frameworks affecting customer onboarding and product suitability assessments ESG integration initiatives connecting sustainability metrics with customer risk profiling and product development Digital payment infrastructure risk management for ING's proprietary banking and payment solutions Cross-border compliance harmonization projects supporting ING's European banking operations

Success Factors

Ability to translate complex regulatory requirements into practical business solutions that enable rather than constrain commercial objectives, demonstrating both compliance expertise and business acumen Strong relationship building capabilities with senior stakeholders across diverse business domains, requiring diplomatic communication skills and credibility establishment in high-stakes environments Rapid learning agility to master evolving regulatory landscapes, new financial products, and emerging risk categories while maintaining expertise depth in core specialization areas Data-driven decision making capabilities that combine quantitative analysis with qualitative risk assessment, enabling evidence-based recommendations for complex business challenges Cultural adaptability to thrive in agile, fast-paced environments while maintaining the thoroughness and precision required for enterprise risk management responsibilities

Market Demand

High demand driven by regulatory complexity, digital transformation requirements, and specialized ESG expertise needs in European banking markets

Important Skills

Critical Skills

NFR Framework expertise is essential as this represents the core methodology for risk management across ING's operations, and mastery of this framework directly determines your ability to contribute meaningfully to strategic risk decisions and implementation success Stakeholder management capabilities are crucial given the role's requirement to influence senior management across multiple business domains without direct authority, making diplomatic communication and relationship building fundamental to role success Agile methodology proficiency is vital as ING's organizational transformation depends on professionals who can operate effectively in fast-paced, iterative environments while maintaining the precision required for enterprise risk management

Beneficial Skills

Advanced data analytics skills including Python, R, or similar tools would significantly enhance your ability to drive data-driven risk decisions and position you for leadership roles in increasingly quantitative risk management environments Regulatory technology (RegTech) familiarity would provide competitive advantage as banks increasingly adopt automated compliance solutions, making professionals who understand both regulatory requirements and technology implementation highly valuable International banking experience would accelerate career progression given ING's global operations and the increasing importance of cross-border regulatory harmonization in European banking markets

Unique Aspects

Specialized focus on ING Owned Bank Accounts (IOBA) and ING Initiated Payments (IIP) provides deep expertise in proprietary banking infrastructure that few professionals globally possess, creating significant career differentiation

Direct engagement with tribal leadership structure represents exposure to cutting-edge organizational design principles being adopted by leading financial institutions worldwide

Combination of traditional banking risk management with ESG and accessibility requirements positions you at the forefront of next-generation banking compliance requirements

Role bridges first, second, and third line of defense functions, providing comprehensive enterprise risk management perspective rarely available in single positions

Career Growth

3-5 years to senior management roles given the strategic nature of current position and accelerated learning opportunities within ING's global organization

Potential Next Roles

Senior Risk Manager positions with expanded portfolio responsibility across multiple risk domains and larger geographical scope Head of Product Risk roles leading entire risk management functions for specific business lines or product categories Regulatory Affairs Director positions focusing on government relations and regulatory strategy development Chief Risk Officer track positions in smaller financial institutions or specialized fintech companies

Company Overview

ING Bank N.V.

ING Bank N.V. stands as one of Europe's largest and most digitally advanced banking institutions, with over 38 million customers globally and a particularly strong presence in retail and commercial banking across Netherlands, Belgium, Germany, and other European markets. The bank has established itself as a leader in digital banking innovation while maintaining traditional banking stability and regulatory compliance excellence.

Top-tier European banking institution with significant market share in home markets and growing digital banking presence, consistently ranked among the most innovative banks globally with strong financial performance and regulatory compliance record

This Amsterdam-based role positions you at the heart of ING's European operations hub, with direct influence on policies and procedures affecting millions of customers across multiple countries and access to international career opportunities within the global ING network

Progressive, digitally-focused banking culture that emphasizes agile methodologies, innovation, and employee empowerment while maintaining the professional standards and risk consciousness essential to successful banking operations

Apply Now

Product & Customer Risk Expert ING NL - Job Opportunity at ING Bank N.V.

Benefits

Key Responsibilities

Requirements

Education

Experience

Required Skills

Sauge AI Market Intelligence

Industry Trends

Role Significance

Key Projects

Success Factors

Market Demand

Important Skills

Critical Skills

Beneficial Skills

Unique Aspects

Career Growth

Potential Next Roles

Company Overview

ING Bank N.V.

Data Sources & Analysis Information

Job Listings Data

Sauge AI Market Intelligence