Onboarding Risk Analyst

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.