About Incard
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.
Who We’re Looking For
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.
What You’ll Do
Own the EMI Licensing Journey (DNB)
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.
Who We’re Looking For
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.
What You’ll Do
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
- 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