Viktoria Reiniger
Head of Business Risk Management and Governance @N26 Group
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WORK HISTORY
Head of Business Risk Management and Governance @N26 Group
Berlin, DE
Head of Business Risk and Governance Functions at N26 focused on:a) Proactive Risk Management in Front OfficeDriving proactive risk management by implementing effective risk tools to identify, assess, monitor, and mitigate risks, thereby enhancing internal controls and reducing risk exposure.b) SPOC for the 2nd Line of Defense (2LoD)Serving as the single point of contact for the 2LoD, streamlining coordination and operational efficiency across 2LoD programs. Managing the audit remediation process for the COO Area and European Markets.c) Advising Senior ManagementProviding expert advice and guidance to Senior Management on risk and compliance-related matters, ensuring informed decision-making and alignment with regulatory requirements.d) Driving Governance at N26 GroupLeading the governance function to uphold high governance standards across all business areas. Overseeing the design, implementation, and ongoing refinement of governance frameworks to ensure compliance with regulatory standards, industry best practices, quality requirements and internal policies.
EDUCATION
Institute of Banking Business
Risk Management Qualification, Risk Management: management of banking risks
Shangdong University of China
Chineese language scholarship
Euromoney
Operational Risk Manager Qualification, Operational Risk Management
Business Continuity Management Institute, London
Certified Business Continuity Manager (CBCI), Business Continuity Management
PMEXPERT: Professional Project Management School
PME Certification (РМЕ®), 1-year course in Project Management based on International Project Management standards (PMP)
British Standards Institute (BSI)
BCM Implementation and Internal Auditor, Business Continuity Management Systems: Implementation and Internal Audit
International Peoples Friendship University
PhD, Political Science and Governance
ABOUT VIKTORIA REINIGER
Risk & Governance Leader | Building Trusted Digital Banking | Driving Resilient Business Cultures I’m a risk and governance leader with over 15 years of experience helping organizations turn regulatory headwinds into business opportunities. My focus is on non-financial risk, governance, and internal controls — building frameworks that don’t just meet compliance standards, but also enable growth and resilience.I’m passionate about protecting great businesses from failure, uncovering hidden flaws, and fostering risk cultures that customers can trust. For me, risk management isn’t just about avoiding problems — it’s about enabling innovation safely.Today, I lead the development of Business Risk Management and Governance functions at a leading European digital bank in Berlin, shaping how modern banking can be both digital-first and resilient.My vision is to inspire others through the impact and value of my work — proving that strong governance is not a barrier, but a foundation for sustainable success.
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