Legal Account Restriction Lead

Ready to get shit done?

Legal Account Restrictions Lead, your mission is to protect both bunq and our users by applying legal restrictions the right way—fast, fair, and crystal clear. You'll lead the team that makes sure users are informed, secure, and never left in the dark.

Why this matters:

At bunq, our mission is to Make Life Easy — for our users, our teams, and the world around us. The Legal Account Restrictions team makes this happen by following legal orders with precision while keeping users informed and empowered.

As Legal Account Restrictions Lead, you’ll ensure we follow the law to the letter—without creating friction for our users. You’ll lead with care, build efficient systems, and drive impact with smart automation.

Take ownership:

As a Legal Account Restrictions Lead, you’ll take charge of key responsibilities that directly impact bunq’s risk management, compliance standards, and users’ trust when legal issues arise.

Your key responsibilities:

• Ensure fast and accurate legal account restrictions by applying regulatory requirements with precision.

• Lead and coach a high-performing team, ensuring ownership, speed, and empathy in every case.

• Use AI to scale operations, improve accuracy, and reduce manual work without compromising compliance.

• Design clear, user-first processes that meet legal obligations while keeping Eva informed every step of the way.

• Maintain compliance excellence, keeping all documentation and trainings up to date.

What you’ll work on right away:

• Legal Account Restrictions Handling → Automate detection and application of restrictions, and notify users with meaningful updates via our AI agent.
• Escalation Management → Investigate escalated cases, decide the right course of action, and communicate it clearly and empathetically.
• Audit Trail & Communication → Keep clear logs, follow up with authorities, and auto-unblock when legally allowed.
• Quality Control & Coaching → Sample resolved cases weekly, share top learnings, and lead biweekly micro-trainings.
• Process Optimization → Identify gaps, improve internal tools and documentation, and manage team capacity to ensure timely and high-quality case handling.

This challenge is perfect for you if

Do you have what it takes?

• Strong operational leadership → You’ve built and led high-performing teams in fast-paced environments.
• Regulatory mastery with business acumen → You bring expert knowledge of legal account restrictions such as bankruptcy, garnishments, and guardianship, applying legal frameworks in a way that’s both watertight and user-friendly. No unnecessary red tape—just clear, compliant action.
• Execution-focused → You break down big goals into clear systems and processes.
• Compliance meets care → You apply the law precisely and treat users with empathy.
• Automation-first mindset → You use AI to scale, speed up, and improve outcomes.
• Zero tolerance for confusion → You make complex things simple and clear for users and your team.

Checking If We’re a Match

Finding the right fit is a two-way street. At bunq, we offer a wealth of opportunities and perks, but we also expect commitment and excellence in return. Our "Get Shit Done" culture isn’t for everyone, and that’s okay.

What’s in it for you?

• 💶 Salary of €4,244 and the opportunity to receive a bonus up to 25% of your monthly salary each quarter, depending on your and bunq's performance.
• 🤟 Join forces with great colleagues across the globe to truly make life easy for our users banking
• 🌟 Make lasting impact by working on complex & exciting challenges
• 👩‍💻 Hybrid setup: after 3 months in-office, work 2 days remote, 3 days in-office weekly
• 🧳 Digital Nomad program: 1 week/quarter after 1 year, 3 weeks/quarter after 2 years
• ✈️ Carousel program: work from other bunq offices based on your performance and tenure
• 📚 Accelerate your career growth with bunq Academy and €1500 annual learning budget
• 🏖️ 24 days of paid leave after onboarding additional 3 days of study leave for personal development
• 🚴 Urban Sports Club discount to stay fit and healthy
• 🚌 Contribution to travel expenses— whether you walk, bike, take the bus, or drive (we love green choices 🌳)
• 💻 A MacBook while you're with us so you can Get Shit Done
• 🥗 Fresh, delicious lunches from our in-house chefs (vegan & vegetarian options too!)
• 💰 Optional pension plan with monthly contributions from bunq
• 💸 Monthly contributions to your phone and internet bills
• 🍻 Friday drinks and other bunq-style celebrations