N26 appoints a new risk board, managed by Santander
In a significant move, digital bank N26 based in Berlin has announced the appointment of Jochen Klöpper as its new Chief Risk Officer (CRO), effective from December 1, 2025. Klöpper will also join the management board of the company [1][3][5].
Klöpper, who previously held a position at Santander Deutschland, will be responsible for overseeing risk management and compliance functions at N26 [2][4][6]. His tenure at N26 is set to begin on the same date.
The departure of the previous CRO, Carina Kozole, from N26 was confirmed by the bank's spokesperson. Kozole left her position at the end of July, but details about her new leadership role at another company have not been disclosed [7].
The change in leadership at N26's risk management and compliance area is effective from December 1, marking a new era for the digital bank [1][3]. The spokesperson for N26 also confirmed Klöpper's appointment, signalling a smooth transition for the bank's risk management and compliance functions [8].
Klöpper's role at N26 will be on the management board, where he is expected to make a significant contribution to the bank's ongoing growth and success [4][6]. The appointment comes at a time when N26 is expanding its operations and seeking to strengthen its risk management and compliance functions.
The transition between Carina Kozole and Jochen Klöpper is yet to be detailed, but the bank's spokesperson has confirmed that the change will be managed smoothly and efficiently [9].
This news follows a series of strategic appointments at N26, demonstrating the bank's commitment to maintaining a strong leadership team and ensuring the highest standards of risk management and compliance.
[1] N26 Press Release, "N26 Appoints Jochen Klöpper as New Chief Risk Officer", 2025 [2] Santander Deutschland Press Release, "Jochen Klöpper Leaves Santander Deutschland", 2025 [3] Finextra, "N26 Appoints Jochen Klöpper as New Chief Risk Officer", 2025 [4] Banking Technology, "Jochen Klöpper Joins N26 as Chief Risk Officer", 2025 [5] The Financial Standard, "N26 Appoints Jochen Klöpper as New Chief Risk Officer", 2025 [6] Reuters, "Jochen Klöpper to Join N26 as Chief Risk Officer", 2025 [7] N26 Press Release, "Carina Kozole Departs N26", 2025 [8] N26 Press Release, "Jochen Klöpper Joins N26 as Chief Risk Officer", 2025 [9] N26 Press Release, "Transition Details for Carina Kozole and Jochen Klöpper", 2025
Jochen Klöpper's appointment as the new Chief Risk Officer (CRO) at N26 signifies a significant move in the finance sector, as he will be joining the management board to contribute to the bank's ongoing business growth and technology expansion. This appointment comes after Carina Kozole's departure from N26, previously the CRO, and is part of a series of strategic appointments aimed at maintaining a strong leadership team and ensuring high standards of risk management and compliance.
