Head of Compliance

Job Description: Head of Compliance & MLRO (Netherlands)

Location: Amsterdam, Netherlands (Hybrid)

Reports to: Global Head of Compliance

Incard Ltd – Company Profile

Incard is a fast-growing fintech platform headquartered in London, dedicated to empowering e-commerce entrepreneurs, digital agencies, and creators around the world. From our multi-currency business accounts to virtual and physical cards, real-time cash-flow insights, and seamless integrations with major e-commerce stacks (such as Shopify and Meta ad-spend), we aim to simplify how scaling online businesses manage their money.

As we expand our footprint in the Netherlands and the wider EU region, we are looking for ambitious, regulatory and compliance professionals to help shape our next chapter.

About the Role

We are seeking an experienced Head of Compliance & Money Laundering Reporting Officer (MLRO) to lead our Electronic Money Institution (EMI) licence application with the Dutch Central Bank (DNB) and establish a strong compliance and financial crime framework for our operations in the Netherlands and the wider EU market.

This role will suit a senior compliance professional with hands-on experience navigating complex regulatory environments, ideally within fintech or payments, and a proven track record of managing successful licensing applications. You will serve as both the strategic and operational lead for compliance and AML/CFT matters, ensuring the company's readiness for authorisation and long-term regulatory excellence.

Key Responsibilities

1. EMI Licensing Application (DNB)

• Lead and coordinate the full EMI authorisation process with De Nederlandsche Bank (DNB), acting as the primary point of contact with the regulator.
• Own all aspects of the licensing project: prepare and submit required documentation, manage responses to DNB queries, and ensure the timely progression of the application.
• Work closely with legal counsel, risk, product, and finance teams to ensure that governance, safeguarding, capital, and risk management frameworks meet DNB and PSD2/EMD2 standards.
• Develop and implement the compliance, AML, and operational policies required for licensing and regulatory approval.

2. Compliance Oversight

• Design, implement, and maintain a comprehensive compliance framework covering Dutch and EU regulatory requirements, including PSD2, EMD2, GDPR, and Wwft (Dutch AML Act).
• Conduct compliance risk assessments and ensure that internal controls are proportionate, effective, and documented.
• Provide expert compliance advice to management on new product launches, partnerships, and cross-border operations.
• Act as the liaison for DNB and AFM on all compliance-related matters and coordinate responses to inspections or information requests.

3. MLRO Responsibilities

• Serve as the appointed Money Laundering Reporting Officer (MLRO) for the Dutch entity.
• Oversee and continuously improve the AML/CFT programme, ensuring compliance with Wwft, Sanctions Act 1977, and EU AML Directives.
• Manage transaction monitoring systems, suspicious activity reporting (SARs), customer due diligence (CDD/KYC), and enhanced due diligence (EDD) processes.
• Deliver AML/CFT training to staff and maintain up-to-date knowledge of typologies, risks, and regulatory expectations.
• Serve as the key escalation point for suspicious activity and coordinate with FIU-NL where required.

4. Governance and Leadership

• Build, lead, and mentor a high-performing compliance and risk team in the Netherlands.
• Prepare and present regular compliance, AML, and risk reports to the Board and senior management.
• Promote a culture of ethics, transparency, and compliance across the organization.
• Support group-wide risk management, audit, and internal control functions.

Qualifications and Experience

• 8–10 years' experience in compliance, financial crime, or regulatory roles within fintech, payments, or e-money institutions.
• Proven experience leading a DNB or other EU EMI licence application from start to approval.
• Strong understanding of PSD2, EMD2, Wwft, Sanctions Act, and related EU regulatory frameworks.
• Familiarity with safeguarding requirements, capital adequacy, and outsourcing oversight relevant to EMIs.
• Experience in managing regulatory relationships and responding to supervisory requests.
• Excellent written and verbal communication skills in English; Dutch fluency is highly desirable.
• Demonstrated leadership capability, with the ability to operate strategically while remaining hands-on.

What We Offer

• Opportunity to lead a pivotal regulatory initiative and shape the company's European compliance function.
• Competitive compensation and benefits.
• Hybrid work model with an Amsterdam base.
• A dynamic, mission-driven fintech environment with international growth potential.

Our Culture

• Collaborative & Transparent Leadership – Our leadership team works openly with all functions, sharing vision, progress, challenges, and wins. We believe in 'one team, one mission.'
• Empowered Teams – Every team member takes ownership of meaningful projects, from regulatory submissions to product launches and compliance innovations.
• Learning & Growth – We encourage continuous development through certifications, attending regulatory/fintech conferences, internal training, and cross-functional learning.
• Open Communication & Respect – We foster a culture where diverse perspectives are valued, feedback flows both ways, and people feel comfortable speaking up — because great ideas can come from anyone.
• Flexible & Modern Working – We support hybrid working from our Amsterdam (and London) hubs, focusing on outcomes rather than hours. We value work-life balance and believe great work happens when teams are energized.
• Impact & Purpose-Driven – Joining Incard means you are part of our mission: helping creative, digital, and entrepreneurial businesses succeed globally. The regulatory and compliance function is a strategic pillar of our growth journey.