Head of Compliance, MLRO

Role Overview

• 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