Head of Transaction Monitoring AML

International Card Services (ICS) is a payment service provider and the market leader in issuing credit cards in the Netherlands. For more than 30 years, we have issued, promoted, administered and processed payments for Visa and Mastercard credit cards under our own brand and in partnership with co-branding partners, serving both Consumer and Commercial clients. In addition, we offer various other financial services and products and are a 100% subsidiary of ABN AMRO Bank N.V., with our own independent banking licence.

As Head of Transaction Monitoring AML, you will lead a team of subject matter experts and drive strategic initiatives that strengthen IC’S ability to detect and mitigate financial crime risks in a rapidly changing regulatory environment. You are responsible for shaping and continuously improving the effectiveness of the IC Transaction Monitoring landscape.

To achieve this, you will:

• Define and execute the Transaction Monitoring strategy and roadmap, ensuring alignment with the IC Client Integrity strategy and regulatory expectations.
• Lead the continuous improvement of Transaction Monitoring through Backtesting, Coverage Assessments, Feedback Loop governance, TM metrics and risk-based steering.
• Drive the Transaction Monitoring Risk Based Approach (RBA) and translate emerging integrity risks, SIRA insights and external developments into sustainable monitoring capabilities.
• Provide leadership on scenario design, scenario refinements, threshold reviews and monitoring portfolio optimisation.
• Act as a trusted advisor to senior management and governance forums on TM effectiveness, risk mitigation, strategic dilemmas and decision-making.
• Lead cross-functional change initiatives across Business, Operations, Compliance, Data and IT to further strengthen the Transaction Monitoring landscape.
• Develop and coach a team of experts while building a culture of ownership, continuous improvement and fact-based decision making.
• Ensure that IC remains demonstrably effective, controlled and future-ready in its role as a gatekeeper of the financial system.

You will work at the intersection of Client Integrity, Compliance, Operations, Data and IT. We are based in Diemen and have a hybrid working culture, combining office and remote working. Our purpose, “Carefree Payments”, is at the heart of everything we do. ICs operates in a highly regulated environment where financial crime risks, customer behaviour, technology and regulatory expectations are continuously evolving.

The team ensures that integrity risks are translated into effective monitoring capabilities and that the Transaction Monitoring framework remains risk-based, effective, explainable and compliant with regulatory expectations. It owns key Transaction Monitoring processes and capabilities, including Transaction Monitoring Effectiveness, the Risk Based Approach (RBA), Coverage Assessments, Backtesting, the TM Feedback Loop and Transaction Monitoring governance. Together with stakeholders across ICs, ABN AMRO, Compliance, Audit and Operations, the team continuously strengthens the organisation’s ability to detect and mitigate financial crime risks.

We are looking for an experienced leader and subject matter expert who combines deep Transaction Monitoring expertise with the ability to drive strategic change in a complex stakeholder environment. You have a proven track record in Financial Economic Crime and are able to translate regulatory expectations into practical, effective and sustainable solutions.

Do you recognize yourself in the profile below?

• Master's degree or equivalent level of thinking and working.
• At least 10 years of relevant experience in Financial Crime, AML/CTF,…