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Jochen Klopper joins N26 as CRO and MD

July 1 2025

N26 appoints Jochen Klöpper as Chief Risk Officer and Managing Director

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N26 is planning changes to its leadership team. Effective 1 December 2025, Jochen Klöpper will be appointed Managing Director and assume responsibility for risk management and compliance functions at N26. The Jochen Klopper N26 appointment marks a strategic move for the digital bank’s leadership team. He replaces Carina Kozole who will leave the company effective 31 July 2025 to take on a new professional challenge.Jochen Klöpper has been serving for several years as Chief Risk Officer of Santander Consumer Bank AG.

Prior to taking on this role in 2015, he worked for BAWAG PSK AG in Vienna, most recently also as CRO and member of the Management Board. Before that, he gained around 20 years of experience within the Deutsche Bank Group, including as Chief Credit Officer of Deutsche Bank in Italy. With this Jochen Klopper N26 leadership role, the bank aims to elevate its risk and compliance frameworks.

Marcus W. Mosen, Chairman of the Supervisory Board of N26: “We’re delighted to have gained Jochen Klöpper, an outstanding leader, for the position of Chief Risk Officer. With his many years of experience in consumer banking, he will make a significant contribution to further strengthening our risk management and future-proofing our organization. We’re looking forward to working together. At the same time, we thank Carina Kozole for her commitment and dedication over the past years.”

 Valentin Stalf, founder and CEO of N26: “Jochen Klöpper stands for strategic thinking, deep expertise, and a modern perspective on risk management. He brings decades of experience in top management at banks, with a particular focus on retail banking. His appointment follows the strategic expansion of our lending business.”

Jochen Klöpper: “N26 is without doubt one of the most interesting companies in Germany and transforms retail banking for millions of customers every day. I’m very much looking forward to contributing my experience and further developing the company’s risk management together with the existing team.”

The Jochen Klopper N26 appointment underscores the company’s commitment to strong risk management in a dynamic fintech environment. Until her departure, Carina Kozole will continue to work closely with a group of experienced experts from the N26 team.

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Valentin Stalf, N26 | Fintech Finance

Valentin Stalf

N26
Marcus W. Mosen

Marcus W. Mosen

N26
Jochen Klöpper

Jochen Klöpper

N26

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N26
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