We are looking for a talented and enthusiastic Legal Expert to join our Retail Banking Legal Team. The responsibility of this team is supporting the Head of Department, team members, and internal clients to identify and mitigate legal risks across ING’s operations.

Your key responsibilities

As a Legal Expert in the Retail Banking Legal Team you will:

• Provide expert legal advice, guidance, and support to ensure legal and reputational risks are identified, reported, and mitigated.
• Act as legal advisor to the retail banking business, working closely with relevant teams.
• Advise and support business colleagues across product lines, helping to formulate, coordinate, and communicate policies, procedures, and controls to manage legal risk effectively.
• Engage and manage external counsel, reviewing their advice and documentation.
• Draft, review, manage, and negotiate a wide range of commercial and outsourcing agreements, ensuring compliance with regulatory requirements for credit institutions.
• Deliver practical, solution-oriented legal advice on banking and investment matters.
• Stay current with changes in laws and regulations affecting the banking sector.

The main challenges you will face in this team are

• Adapting work style to handle complex and varied workloads.
• Prioritizing tasks based on legal risk and commercial considerations.
• Navigating a complex financial regulatory environment.
• Maintaining knowledge of ING’s operations and policies.
• Deepening expertise in specialized areas and anticipating legal developments to provide forward-looking advice.
• Increasing ability to manage complex tasks independently.
• Building strong relationships with senior management and inspiring stakeholder confidence.
• Balancing the need for thorough analysis with timely decision-making under commercial pressures.

What are we looking for?

Want to know if this job is made for you? These are some of the qualities that we value the most for this role.

• Law degree from an accredited institution; qualification to practice law in Spain is desirable.
• 5–7 years of relevant experience at a law firm, fintech, and/or financial institution with regulatory exposure.
• Essential regulatory expertise: banking and investment products, particularly MIFID, Payments regulations, IDD, or lending regulations.
• Desirable expertise: digital innovation, data protection and KYC.
• Excellent organizational and prioritization skills; ability to manage competing priorities effectively.
• Proven ability to meet tight deadlines and adapt to changing priorities in a fast-paced, dynamic environment.
• Fluent in English (including drafting legal documents) is essential.
• Proactive attitude and readiness to embrace change and new challenges.

What do we offer?

At ING we want your work to fulfill you in every way, and that is why we take care of even the smallest details.

• Be flexible: Our model is all about flexibility and accountability.
• Restaurant card.
• Office amenities: electric mobility solutions, doctor, hairdresser, gym, and more.
• Health insurance for you and your family.
• Life insurance.
• Flexible remuneration for services such as nursery, transport card, and training aids.
• Free company shuttle with 6 routes in Madrid.
• Banking benefits: special loans, mortgage conditions, and pension plan.
• Vitality and belonging: physiotherapy, gympass, and employee networks.

Get to know Us

We are a team of more than 1700 people sharing one idea: doing our bit in helping our clients create a better future for themselves. We are a fully online bank where technology, innovation, simplicity and transparency are the main ingredients. We are proud to have a diverse team, and we are committed to continue developing a culture of Diversity, Inclusion and Belonging. Making things happen, helping others be successful, always being one step ahead—that’s our DNA.