Head of Compliance & MLRO (Netherlands)

Incard’s mission is to build the financial operating system for entrepreneurs.

We are focused on creating a system where business banking, financial tools, and application logic are coordinated into a single control layer.

Through the app store, entrepreneurs and developers can build industry-specific functionality as their business evolves.

We’re looking for a Head of Compliance & Money Laundering Reporting Officer (MLRO) to lead Incard’s Dutch Electronic Money Institution (EMI) licence and build a best-in-class compliance and financial crime framework for the Netherlands and wider EU.

This is a senior, high-trust leadership role. You’ll act as the regulatory owner for the Netherlands, working directly with the Dutch Central Bank (DNB) and internal leadership to secure authorisation and establish long-term regulatory excellence.

This role is ideal for an experienced compliance leader with hands-on EMI licensing experience, strong AML expertise, and the ability to operate both strategically and operationally.

• 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

• 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

• Owner mentality — you take full responsibility for regulatory outcomes

• High integrity, independence, and sound judgement

• Comfortable operating in complex, regulated environments

• Clear, structured communicator trusted by regulators and leadership

• Low ego, collaborative, and mission-driven

• Builder mindset — you create systems that scale, not just policies

• 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