Incard

• 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

• Own Incard’s growth strategy across the full funnel: acquisition, activation, retention, and monetisation • Build and scale repeatable growth loops with a strong focus on ROI and payback • Own and scale Incard’s acquisition channels, including: • Paid acquisition (Meta, Google, YouTube; TikTok where relevant) • SEO & content-driven growth • Partnerships, affiliates, and communities • Build a continuous experimentation framework across ads, funnels, offers, and landing pages • Own growth analytics and performance tracking • Build a clean, reliable attribution and tracking stack • Work closely with Product, Design, and Brand to: • Start hands-on, then progressively build and lead a high-performing Growth team