Head of Transaction Monitoring AML

At a glance

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.

Your job

As Head of Transaction Monitoring AML, you will lead a team of subject matter experts and drive strategic initiatives that strengthen ICS’ 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 ICS Transaction Monitoring landscape.

To achieve this, you will:

• Define and execute the Transaction Monitoring strategy and roadmap, ensuring alignment with the ICS 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 ICS remains demonstrably effective, controlled and future-ready in its role as a gatekeeper of the financial system.

Working environment

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.

Your profile

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, Transaction Monitoring, Compliance, Risk Management or Consulting.


• Demonstrated experience in leading expert teams and driving complex change initiatives across multiple functions and stakeholders.


• Strong expertise in Transaction Monitoring methodologies, Risk Based Approaches, scenario design, effectiveness measurement and regulatory risk mitigation.


• Proven ability to influence senior stakeholders and governance bodies through data-driven insights and well-founded recommendations.


• Excellent communication skills in both Dutch and English, with the ability to communicate effectively at expert, management and executive levels.


• Strong stakeholder management skills and the ability to build alignment across Business, Operations, Compliance, Data and IT.


• A natural leader who creates an environment in which experts can excel, while fostering ownership, collaboration and continuous improvement.

We are offering

We believe it is important to be a good employer. Joining us means stepping into a role with impact, supported by excellent employment conditions that foster your job satisfaction, development, and wellbeing.

In addition, we offer:

• An attractive gross monthly salary based on a 36-hour work week, including holiday allowanceand a flexible benefit budget.


• An excellent pension scheme, ensuring that you are well prepared for the future.


• Flexibility in working: working from home is possible in consultation with your team and depending on your role. We will provide an ergonomic home office setup for you.


• Plenty of room for relaxation with five weeks of vacation per year, supplemented by two mandatory days off. You can also purchase up to four additional weeks of vacation annually.


• Five “Banking for better days”: extra days off that you can use for personal development or volunteer work.


• Personal development is key: you receive a development budget of €1,000 per year, which can accumulate up to €3,000.


• An annual public transport pass with free public transportation throughout the Netherlands for both business and private use.

You can find more information about our employment conditions and salary scales in our Collective Labour Agreement (CLA), which applies to this vacancy.

Interested?

Still here? And interested? Please apply to this vacancy online and include your resume and motivation letter. If you would like to know more about this vacancy, please contact Frank Schermerhorn at [email protected].

Your Future: Inclusive, Innovative, Sustainable

At ABN AMRO, we believe in "Banking for better, for generations to come." Equal opportunities for everyone are a crucial foundation, as we strive for an inclusive culture where all employees feel seen, heard, and valued. Our vision of being a personal bank in the digital age aligns perfectly with the demand for surprising insights and innovative solutions, born from a diverse interplay of cultures and experiences. We focus on customer experience, sustainability, and building a future-proof bank, conducting annual reviews to ensure equal pay for equal work. Join a bank that embraces ingenuity and ambition, and make an impact with us for a better future.

If you want to apply for the B-Able or Reboot program, make sure to mention it both in the title and the content of your resume.

Disclaimer external recruitment agencies

External recruitment agencies need to have a signed agreement with ABN AMRO BANK N.V., executed by a Talent Acquisition Specialist, when submitting a resume to a vacancy.
No unsolicited services or offers, please.

Use of AI in our application process

You’re welcome to use AI to help write your CV or cover letter, as long as it reflects your own story.
We review every application personally and without AI.
During interviews, real time AI tools may not be used. With your permission, interviews can be recorded and supported by AI. This helps us keep the process fair, careful, and transparent.