Type · algorithm
Given a list of financial transactions, each with a timestamp and an amount, write a function to calculate the running total of all transactions up to any given point in time. Consider efficiency for a large number of transactions.
How to Pass the Achmea Software Engineer Interview in 2026
Enterprise · Software Engineer Interview Guide
Headquartered in NetherlandsInterview language: English
The Achmea DNA (TL;DR)
The "Achmea Samen" principle guides hiring, assessing how individuals contribute to collective goals across diverse business units like Zilveren Kruis and Centraal Beheer. Interviewers seek evidence of navigating complex organizational structures and driving initiatives that benefit the broader institution, not just a single team.
The Achmea Interview Loop
Your onsite loop will typically consist of 5 rounds.
- 1
Round 1
Recruiter ScreenMotivation, role fit, logistics. - 2
Round 2
Coding ScreenLeetCode-medium algorithmic problems under time pressure. - 3
Round 3
System DesignDistributed systems, trade-offs at scale, architecture under constraints. - 4
Round 4
Onsite CodingLeetCode-hard problems, reasoning about defects, code clarity, edge cases. - 5
Round 5
Behavioral / LeadershipPast evidence of ownership, influence, resolving conflict.
The Danger Zone: Top Reasons Candidates Fail
Based on our database of Achmea interview outcomes, avoid these common traps:
- Giving a generic answer not specific to Achmea or the finance industry.
- Overlooking the importance of auditability and data accuracy in financial systems
- Failing to explain how the solution benefited the institution as a whole
- Not considering distributed rate limiting across multiple servers.
Test Yourself: Real Achmea Questions
Three real prompts pulled from our database.
Type · design
Design a system to process and aggregate real-time insurance claims data from various sources. The system needs to handle high throughput and ensure data consistency for fraud detection.
Type · debugging
A critical batch process for calculating daily interest accruals is failing intermittently. Here's the relevant code. Debug and identify the root cause, considering potential race conditions or data inconsistencies.
+ many more questions, signals, and worked examples
Sign up to unlock the full Achmea grading rubric
Achmea Interview Question Bank
A sample from our database, grouped by round. Sign up to see the full set.
9 of 11 questions shown
1
Recruiter Screen
1- 1
Type · motivation
What interests you about working at Achmea, specifically within our finance technology domain?
2
Coding Screen
2- 2
Type · algorithm
Given a list of financial transactions, each with a timestamp and an amount, write a function to calculate the running total of all transactions up to any given point in time. Consider efficiency for a large number of transactions. - 3
Type · algorithm
Implement a function that takes a list of stock prices for a given day and returns the maximum profit that could have been made by buying and selling the stock once. Assume you must buy before you sell.
3
System Design
3- 4
Type · design
Design a system to process and aggregate real-time insurance claims data from various sources. The system needs to handle high throughput and ensure data consistency for fraud detection. - 5
Type · design
Design a rate limiter for API requests to our customer portal. This should prevent abuse and ensure fair usage for all customers, considering different tiers of service. - + 1 more questions in this round (sign up to unlock)
4
Onsite Coding
2- 6
Type · algorithm
Implement a function to find the k-th smallest element in a large, unsorted array of customer account balances. Optimize for performance, especially when k is much smaller than the array size. - 7
Type · debugging
A critical batch process for calculating daily interest accruals is failing intermittently. Here's the relevant code. Debug and identify the root cause, considering potential race conditions or data inconsistencies.
5
Behavioral / Leadership
3- 8
Type · ownership
Tell me about a time you encountered a significant technical challenge in a project that was critical for the business. How did you take ownership and ensure its successful resolution? - 9
Type · conflict-resolution
At Achmea, we often balance the specific needs of a brand like Zilveren Kruis with the central IT architecture requirements. Tell me about a time you proposed a technical path that conflicted with a local business unit priority. How did you align your technical strategy with the broader Achmea Samen goal? - + 1 more questions in this round (sign up to unlock)
Unlock all 11 Achmea questions, free
No credit card. Every question with its framework, the grading signals interviewers score against, and a worked answer for each.
Interview tracks at Achmea
How Achmea's DNA translates across functions. Pick your role.
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Practice Achmea interviews end-to-end
Achmea Mock Interview
Run a live mock interview with our AI interviewer using Achmea-style prompts. Get scored on structure, signal, and answer length - exactly how the real loop grades you.
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STAR Stories for Achmea Behavioral Rounds
Build a Story Bank of your past wins, mapped to the leadership signals Achmea interviewers grade on. Reuse them across every behavioral round.
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Achmea Interview Prep Hub
The frameworks behind every Achmea round: CIRCLES for product sense, hypothesis-driven debugging for analytical, STAR for behavioral. Learn each one in 10 minutes.
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Interview Frameworks
CIRCLES, STAR, AARRR, RICE, MECE. The exact frameworks that make Achmea interviewers nod instead of frown. Step-by-step playbooks with the moves and the pitfalls.
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Sample answers
What a strong answer to these Achmea interview questions shows.
Given a list of financial transactions, each with a timestamp and an amount, write a function to calculate the running total of all transactions up to any given point in time. Consider efficiency for a large number of transactions.
A strong answer shows: Proposes a solution with O(1) or O(log n) query time after an initial O(n) preprocessing step.; Handles edge cases gracefully.; Writes clean, readable code..
Design a system to process and aggregate real-time insurance claims data from various sources. The system needs to handle high throughput and ensure data consistency for fraud detection.
A strong answer shows: Proposes a distributed architecture (e.g., microservices, message queues).; Discusses trade-offs in data consistency models (e.g., eventual consistency vs. strong consistency).; Addresses scalability, fault tolerance, and monitoring..
Frequently asked questions
How long does the Achmea interview process take?
Most candidates spend between 4 and 8 weeks from recruiter screen to offer. The onsite loop itself runs in a single day or is split across two half-days, with debrief and offer typically within 5 business days after.
How should I prepare specifically for Achmea?
Focus on three things: (1) the company DNA shown above - what they actually grade for, (2) the rounds in your loop, especially the round most candidates underestimate, and (3) drilling on the question types in this guide using a structured framework like CIRCLES or STAR.
Does this apply to engineering or design roles at Achmea?
The DNA stays the same - what changes is the round mix. SWE candidates face coding screens instead of Product Sense; designers face portfolio reviews and design exercises. The "what they value" and behavioral signals carry across all functions.
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