Compliance Officer

Job Description:The (Senior) Compliance Officer will play a central role in ensuring the company meets its regulatory obligations as a licensed Payment Institution in the Netherlands, supporting operations across the EEA and cross border outside the EEA. This position is ideal for a compliance professional who thrives in a fast-moving, startup-style environment and brings strong expertise in KYC/AML, international payments, FX, and regulatory interaction (particularly with DNB).The role requires both strategic insight and hands-on execution, including ownership of compliance processes, KYC/AML platform improvement, and collaboration across product, tech, and operations teams. The ideal candidate is a strong communicator, self-starter, and confident in managing complex compliance topics without excessive hierarchy.Key objectives:Ensure compliance with Wwft, Sanctions Act, PSD2, and other (upcoming) Dutch/EU regulations.Own and continuously enhance KYC/AML compliance frameworks, including process and platform improvements.Act as a key contact for DNB, supporting inspections, reporting, and correspondence.Provide compliance oversight for international payment flows and FX transactions.Maintain internal controls, policies, and monitoring processes in a way that supports growth and scalability.Key responsibilities:Lead execution of risk-based KYC/CDD processes for onboarding and monitoring of corporate clients and partners.Contribute to the design and iterative improvement of our internal KYC/AML tech platform, working with product and tech teams to ensure functionality and regulatory alignment.Review and respond to transaction monitoring alerts related to payments and FX activity.Collaborate with internal teams (Legal, Product, Operations) on new initiatives to ensure compliance is built into design and launch phases.Stay abreast of regulatory developments (DNB, EBA, FATF) and ensure business impact is assessed and communicated.Prepare and submit required reports to DNB and support audits, thematic reviews, and internal assessments.Skills and Qualifications:5+ years of experience in compliance within a licensed payment institution, fintech, or bankStrong understanding of Wwft, PSD2, the Sanctions Act, and EBA AML guidelinesHands-on experience engaging with regulators, particularly DNB (e.g. reporting and supervision)Familiar with KYC/AML platforms, with a strong interest in enhancing compliance tooling in collaboration with product teamsFamiliar with FX and cross-border payment flows and associated risksFluent in English; Dutch and Mandarin speaking is highly preferredIndependent, proactive, and solution-oriented mindset with strong collaboration skills