Head of Compliance, MLRO
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Job Description
Head of Compliance & MLRO at Incard ensuring regulatory excellence in the Netherlands and building a financial crime framework. Leading the EMI licensing journey with DNB and overseeing compliance operations.
Responsibilities:
- Own the EMI Licensing Journey (DNB)
- Lead and coordinate the full EMI authorisation process with De Nederlandsche Bank (DNB)
- Act as the primary point of contact with the regulator
- Own licensing documentation, submissions, responses, and timelines
- Partner with Legal, Risk, Product, Finance, and Engineering to ensure readiness across governance, safeguarding, capital, and risk management
- Ensure alignment with PSD2, EMD2, and DNB supervisory expectations
- Design, implement, and maintain a comprehensive compliance framework covering Dutch and EU regulations
- Ensure ongoing compliance with PSD2, EMD2, GDPR, Wwft, and related EU frameworks
- Conduct compliance risk assessments and maintain effective internal controls
- Provide compliance guidance on new products, partnerships, and cross-border expansion
- Act as liaison with DNB and AFM for ongoing supervision and inspections
- Serve as the appointed MLRO for the Dutch entity
- Own and continuously improve the AML/CFT programme
- Oversee transaction monitoring, SAR reporting, CDD/KYC, and EDD processes
- Act as escalation point for suspicious activity and coordinate with FIU-NL
- Maintain up-to-date knowledge of financial crime typologies and regulatory expectations
- Deliver AML/CFT training across the organisation
- Build, lead, and mentor a high-performing compliance and risk team in the Netherlands
- Prepare and present regular compliance, AML, and risk reports to senior leadership and the Board
- Promote a strong culture of ethics, transparency, and accountability
- Support group-wide risk management, audit, and internal control initiatives
Requirements:
- 8–10+ years of experience in compliance, financial crime, or regulatory leadership
- Proven experience leading an EMI licence application with DNB or another EU regulator
- Strong knowledge of PSD2, EMD2, Wwft, Sanctions Act, and EU AML directives
- Experience with safeguarding, capital adequacy, and outsourcing oversight
- Demonstrated ability to manage regulatory relationships and supervisory reviews
- Strong leadership skills with the ability to be strategic and hands-on
- Excellent written and verbal communication skills in English
- Dutch fluency highly desirable
Benefits:
- Competitive cash-based compensation
- Incard stock options
- 25 days of paid time off per year, plus bank holidays and your birthday off
- Global health insurance and unlimited paid sick leave
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