Every user who joins bunq deserves a secure, fast, and frictionless onboarding experience. As an Onboarding Risk Analyst, your mission is twofold: stop fraudsters before they enter, and optimize the flow for legitimate users so they breeze through in minutes. You’ll use data, intuition, and collaboration to design smart defenses that don’t slow down honest customers. Help us protect bunq while keeping our 5-minute onboarding promise.

Up for this?

Kick off your application by taking our assessment and find out if bunq is your perfect match! 🚀

Take ownership:
Own the risk–friction balance:

Continuously refine onboarding flows to reduce false positives and eliminate unnecessary steps for good users.
Tune rules and checks to auto-deny bad actors while minimizing manual reviews and delays for legitimate ones.

Prevent fraud at the door:

Design and implement strategies to detect and block fraudulent signups (e.g., synthetic identities, device spoofing, multi-accounting).
Respond quickly to emerging fraud patterns with updated rules and decision logic.

Act on data, fast:

Use SQL, Excel, dashboards, and risk tooling to track onboarding KPIs like false positives, time to onboard, manual review rate, and fraud rate.
Run experiments (e.g., A/B tests) to measure the impact of changes on both fraud prevention and user conversion.

Collaborate across the company:

Work closely with Product, Compliance, and Engineering to implement effective and user-friendly onboarding checks.
Optimize performance of KYC and fraud vendors (e.g., Onfido, Incode) and push for faster, more accurate results.

Requirements

You have fraud expertise: Deep knowledge of onboarding fraud tactics like synthetic IDs, stolen identity fraud, and device farms.
You have analytical mindset: Ability to work with data tools (SQL, Excel) and use metrics to drive decisions.
You have bias for impact: You focus on what moves the needle — improving security and conversion.
You have hands-on experience: Familiarity with KYC/fraud detection platforms and building rules/logic.
You are a clear communicator: Strong cross-functional collaboration with risk, product, compliance, and ops teams.
You are organized and adaptable: Able to prioritize and move fast in a dynamic environment.

Your space to perform

We give you the space and the tools you need to succeed 💪🏼

＄ A base salary between lev6,692 - lev7,198 gross per annum

🎯 Profit sharing based on the impact you make and bunq's performance

🤟 Great, international colleagues who share your mindset

👩‍💻 Hybrid setup: after 3 months in-office, work 2 days remote, 3 days in-office weekly.

🧳 Digital Nomad program: work remotely 1 week per quarter after 1 year and 3 weeks per quarter after 2 years

📚 We support your growth with bunq Academy and 1500 EUR annual learning budget

💻 A Macbook to keep with you while you're with us

🚴‍ A MultiSport gym card for your health and wellbeing

🚌 Travel expenses are covered whether you come walking or by bike, bus or car (though we prefer green choices 🌳)

🍪 Lunch and snacks at the office

⚕️ Private health insurance, just in case

💸 Monthly contribution to your phone and internet bills

🍻 Friday drinks and other celebrations - bunq style