Expert on Consumer Protection

The European Insurance and Occupational Pensions Authority (EIOPA) is an independent European Union Authority established on 1 January 2011 by Regulation (EU) No. 1094/2010 of the European Parliament and of the Council of 24 November 2010.

EIOPA is at the heart of insurance and occupational pensions in the EU.

Our mission is to contribute to a sound, effective and consistent level of regulation and supervision of insurance and occupational pensions sectors in Europe, and to promote transparency, simplicity and fairness in the market for consumer financial products or services across the internal market for the benefit of EU citizens. Through our activities we help protect insurance policyholders, pension scheme members, customers and consumers and other beneficiaries. We furthermore play a key role in supporting the stability of the financial system, transparency of financial markets and products, and we contribute to strengthening coordination among financial supervisors at the international level.

EIOPA is part of the European System of Financial Supervision (ESFS) which includes the European Banking Authority (EBA), the European Securities and Markets Authority (ESMA) and the European Systemic Risk Board (ESRB).

Further information on EIOPA is available on EIOPA’s website: https://www.eiopa.europa.eu/

As an European Union Authority, EIOPA is committed to fostering an inclusive and dynamic working environment, providing equal opportunities to all its employees and applicants. EIOPA is committed to ensuring gender equality and to preventing discrimination on any grounds. EIOPA actively welcomes applications from all qualified candidates from diverse backgrounds, across all abilities, without any distinction on any ground such as sex, race, colour, ethnic or social origin, genetic features, language, religion or belief, political or any other opinion, membership of a national minority, property, birth, disability, age, marital status or family situation or sexual orientation.

Job Purpose

Major purpose

EIOPA is launching a call for candidates with the intention to create a reserve list of candidates. The successful candidate will be a member of EIOPA’s Consumer Protection Department, which consists of two teams a unit: the Conduct of Business Policy Team and the Conduct of Business Oversight Team and the Digital Transformation Unit.

The successful candidate will organisationally belong to one of the two teams, and the majority of tasks will pertain to the activities formally being part of the portfolio of that team. However, flexibility will be required so that some tasks will come from the other team sometimes in the form of joint projects.

As a member of the Conduct of Business Policy Team, the Expert will be expected to provide advice with regard to deliverables under the EU Retail Investment Strategy such as implementing measures relating to amendments of the Insurance Distribution Directive (IDD) and the Regulation on Key Information Documents for Packaged Retail and Insurance-based Investment Products (PRIIPs), either in the format of technical advice and technical standards to the European Commission, and EIOPA Guidelines. Policy work is also conducted, for instance, in relation to the follow-up to supervisory convergence work such as thematic reviews or mystery shopping. All activities are evidence-based with a view to ensuring smart regulation and supervisory standards.

As a member of the Conduct of Business Oversight Team, the Expert will be expected to work on new supervisory convergence, risk assessment and oversight tasks arising from the Retail Investment Strategy such as development of Union supervisory value for money benchmarks, monitoring the use of national value for money benchmarks, participating in Cross-Border Collaboration Platforms of national competent authorities (NCAs) or Joint Onsite Inspections together with other NCAs concerned in the home or host Member State. While the Expert in the longer text is expected to focus on Oversight work arising from the Retail Investment Strategy, in an initial phase the Expert may also be tasked to support the Conduct of Business Policy Team in providing advice with regard to the specific policy deliverables envisaged under the EU Retail Investment Strategy.

Main Responsibilities

As part of the Conduct of Business Policy Team, driving forward EIOPA’s policy agenda on conduct of business regulatory files, based on handling data in various formats including by means of surveys to relevant stakeholders. Deliverables will be in the form of technical advice, technical standards, reports, opinions, guidelines or best practice reports.
As part of the Conduct of Business Oversight Team, driving forward EIOPA’s work on conduct of business supervision to ensure that insurance and pension products deliver value for money for consumers across the EU. This is done through market monitoring activities to identify and monitor risks in the market, using tools such as EIOPA’s value for money benchmarks and retail risk indicators, consumer reports and surveys, thematic reviews and mystery shopping;
Assisting in advising EIOPA’s decision-making bodies in the field of conduct of business regulation and supervision;
Within own areas of expertise, contributing technical advice to internal stakeholders and national supervisory authorities;
Liaising with internal and external stakeholders (EIOPA staff members, EIOPA Working Groups and Committees, national supervisory authorities and industry);
Working across the Consumer Protection Department and EIOPA as a whole;
Participating and representing EIOPA in different international fora;
Any other tasks as required.

Eligibility Criteria

Thorough knowledge of one of the languages of the Union and a satisfactory knowledge of another language of the Union;
Be a national of a Member State of the European Union, Norway, Iceland or Liechtenstein;
Be entitled to their full rights as a citizen;[1]
Have fulfilled any obligations imposed by the applicable laws on military service;
Be physically fit to perform the duties linked to the post.[2]

[1] Prior to the appointment, the successful candidate will be asked to provide a Police certificate confirming the absence of any criminal record.

[2] Before being engaged, a candidate shall be medically examined by one of the institution’s medical officers in order that the institution may be satisfied that he fulfils the requirements of Article 12 (2)(d) of the Conditions of Employment of Other Servants of the European Communities.

Essential Skills and Knowledge

Qualification:

a) a level of education which corresponds to completed university studies, preferably in Economics, Actuarial Studies, Political Science, Law, or a related field attested by a diploma, when the normal period of university education is four years or more; or

b) a level of education which corresponds to completed university studies, preferably in Economics, Actuarial Studies, Political Science, Law, or a related field attested by a diploma and appropriate professional experience of at least one year, when the normal period of university education is at least three years.

Have at least three years of proven full-time professional experience in a field relevant for this position acquired after the qualification required under a) or b) above;

Note: Your professional experience will be counted from the time you obtained the certificate or diploma required for admission to the selection procedure. Part-time work will be taken into account in proportion to the stated percentage in relation to full-time work. In case of internship, only paid internship is considered. In case of a doctorate/PhD 50% of the actual duration of the studies will be taken into account as professional experience, subject to an upper limit of three years, on the condition that the candidate was paid during the period of his/her PhD studies, the PhD studies have been completed and a diploma was awarded.

Proven experience of drafting documents for decision making bodies;
Proven experience and knowledge of conduct of business including financial innovation;
Very good command of oral and written English including excellent drafting skills;
Working knowledge of MS Office, in particular Word, Excel and PowerPoint.

Desirable Skills and Knowledge

Proven work experience in a multicultural environment;
Work experience in a public institution or a trade association e.g. an Industry or Consumer association, dealing with consumer protection policy issues relating to retail financial services;
Work experience in the insurance and/or pensions industry, particularly in the area of product development;
Work experience in financial conduct of business regulation or supervision;
Proven experience in using EIOPA’s supervisory tools either envisaged in EIOPA’s Founding Regulation or developed by EIOPA;
Knowledge of EU financial services law, in particular familiarity with EU Directives in the insurance and pensions sectors.
Knowledge of a third EU language.

Behavioural Competencies required

For the above position, the following behavioural competencies have to be fulfilled:

Flexibility in terms of openness to taking over other tasks within EIOPA in view of the dynamic and evolving institutional environment;
Excellent team player sharing relevant information and supporting team members without taking over responsibility for their work, able to work in different teams with different levels of stakeholders in a multicultural environment;
Being able to have and express a critical view towards own performance and open to learn from experience;
Anticipates possible conflicts between goals, requirements and priorities and prioritizes effectively when faced with limited resources or time pressure;
Takes personal responsibility for the quality, precision and timeliness of own work, and achieves results with minimal supervision.
Knows when to involve others, providing on-going feedback when necessary to ensure that everyone is on the same page;
Understands the key organisational goals and the wider context in which we work;
Being able to quickly familiarize oneself with new topics and issues, even under time pressure;
Delivers results within tight time frames identifying possible hurdles in advance and takes mitigating action.

Contractual conditions

Place of employment

Frankfurt-am-Main, Germany.

Function group and grade

TA AD6

Monthly basic salary

TA AD6 Step 1: 6,961.29 EUR

TA AD6 Step 2: 7,253.84 EUR

plus specific allowances where applicable*.

Envisaged start date

1 January 2027

Contract type and duration

Successful candidates may be offered an employment contract for three years as a Temporary Agent. The contract may be renewed for a second fixed-term period, and upon its second renewal converted into a contract of indefinite duration.

Reserve list

Possibility of reserve list with validity until 31 December 2027 with possibility for extension.

*Summary of Conditions of Employment

1. Successful external candidates will be classified in step 1 or 2.

Function Group /Grade^[1]

Monthly basic salary^[2]

Monthly net salary, excluding allowances

Monthly net salary, including specific allowances ^[3]

AD 6 Step 1

6,961.29 EUR

5,425,08 EUR

7,815.11 EUR

AD 6 Step 2

7,253.84 EUR

5,627.12 EUR

8,082.47 EUR

[1] Implementing rules concerning the use and engagement of temporary agents

[2] The basic salary weighted by the current correction coefficient for Germany (102.7%)

[3] An estimation of net salary, including the deduction for tax and social security and adding the allowances (this estimation has been calculated with expatriation allowance, household allowance and with one dependent child allowance). Allowances depend in any case on the personal situation of the candidate.

2. Salaries are subject to a Union tax deducted at source and are exempt from national taxation.

3. Depending on the individual family situation and the place of origin, the successful jobholder may be entitled to: expatriation allowance (16% of the basic salary), household allowance, dependent child allowance, education allowance, pre-school allowance, installation allowance, reimbursement of removal costs, initial temporary daily subsistence allowance, and other benefits.

4. Annual leave entitlement of two days per calendar month plus additional days for grade, distance from the place of origin and in addition on average 15 EIOPA holidays per year;

5. EU Pension Scheme (after 10 years of service);

6. EU Joint Sickness and Insurance Scheme (JSIS), accident and occupational disease insurance coverage, unemployment and invalidity allowance and travel insurance;

7. General and relevant technical training plus professional development opportunities;

8. Modern and flexible working conditions, combining presence in the office and teleworking opportunities (some geographical restrictions apply).

Information reserved for applicants employed under Article 2(f) of the CEOS, in EU Agencies other than EIOPA:

According to EIOPA Management Board decision EIOPA-MB-15-072 adopting the implementing rules on the procedure governing the engagement and use of temporary staff under Article 2(f) of the CEOS, and in particular Article 12 (2), if a successful applicant from this external procedure, on the closing day for applications, as well as on the day of taking up duty at EIOPA:

is a member of temporary staff under Article 2(f) of the CEOS, and

is employed within their agency in function group and grade within the range “AD5-AD7”,

EIOPA shall offer the applicant, in writing, the opportunity either:

a) to be assigned to the post by means of internal mobility, as per Article 10 of EIOPA-MB-15-072. In this case the contract at EIOPA will be in continuity with the contract of the previous agency (namely with regard to grade, step, seniority in step, and duration)

OR

b) in case the eligibility, qualification and professional experience requirements for the grade indicated in this external vacancy notice, (AD6) are met, to be assigned to the post on the basis of a new contract (first fixed-term) of three years duration, subject to the probationary period of 9 months, at the grade indicated in the external vacancy notice (AD6).

Recruitment procedure

The recruitment process will include a panel interview and a written test. In addition, there may be a pre-screening exercise.

Applicants are required to act with the highest standards of integrity through the whole selection procedure.

The online application form should be submitted in English language.

(1) Curriculum Vitae clearly indicating (among all):

Qualifications (please list exact dates of your academic qualifications gained)

Responsibilities, experience and skills gained in previous positions (please list exact dates of your work experience gained)

Nationality/Citizenship

Language skills

(2) Motivation explaining why you are interested in the post and what would be your added value you would bring to EIOPA if selected.

Applicants will be assessed on the basis of the eligibility and selection criteria specified in the vacancy notice and these must be met by the closing date of the vacancy notice.

Only information included in the Curriculum Vitae or in the Motivation are assessed.

Deadline for application is 23:59 CET on 28 September 2026.

The successful candidate will be required to make an annual declaration in respect of any interests which might be considered prejudicial to his/her independence. Before recruiting a member of staff, EIOPA’s Executive Director will examine whether the successful candidate has any personal interest which may impair his/her independence or any other conflict of interest. To that end, the successful candidate, using a specific form, shall inform the Executive Director via the Ethics Officer of any actual or potential conflict of interest.

For more information on the selection process of contract agents and on the contractual and working conditions, please, refer to: