Payment institution · Head of Compliance a.i.
Led the compliance function of a payment institution licensed by DNB. Linked the SIRA to monitoring rules and controls, and acted as point of contact for DNB.
Independent risk & compliance professional for the financial sector
Your partner in compliance, from advice to implementation.
My knowledge and expertise come from practice. I support banks, payment service providers, electronic money institutions, lenders and credit intermediaries, investment fund managers and leasing companies. I set up your compliance function, guide licence applications and your contact with the supervisor, and step in on an interim basis or strengthen your team. I also take on specialist assignments, such as implementing transaction monitoring, and provide training and advice.
As a partner, I am more than an adviser: I am your dedicated point of contact, I think along with you and I take responsibility where needed. In working together I am people-focused and professional, thorough in execution and sharp in analysis.
Quick insight, fast results, clear goals. That brings peace of mind.
A no-obligation conversation? Or would you rather email? ian@ikcomplianceadvies.nl
- 15+ yearslegal and compliance in payments, consumer and business credit, leasing and professional investment
- Ultimately responsibleas Head of Legal, Compliance & Security
- Hands-onfrom compliance framework and licence application to KYC, transaction monitoring and remediation, as project lead or within your team
- Continuity assuredcover arranged in advance through the Compliance & Risk Gilde
Clients
Financial institutions and automotive
I work for institutions supervised by De Nederlandsche Bank (DNB) and the Dutch Authority for the Financial Markets (AFM), and for companies in the automotive sector.
Payment service providers and EMIs
External compliance officer for PSPs, merchant onboarding, complex payment chains (from payfacs to acquiring schemes), transaction monitoring and sanctions screening. And preparing your organisation for PSD3 and the PSR.
Lenders
Consumer and business credit, including buy now, pay later (BNPL). Wwft, creditworthiness assessment and the new consumer credit rules (CCD2).
Leasing and automotive
Leasing companies, captive finance, importers and dealer groups. I spent years working in automotive finance myself.
Investment fund managers
External compliance officer for fund managers, Wwft set-up for funds and monitoring that fits your investment strategy.
Services
How I can help
From first analysis to a working process. I translate regulation into concrete steps in your organisation.
External compliance officer and interim
Outsourcing your compliance function to an experienced compliance officer who advises, monitors and reports. Or interim cover and extra capacity during peak periods, a departure or a project. Cover is arranged in advance through the Compliance & Risk Gilde.
More about this serviceWwft and AMLR
A systematic integrity risk analysis (SIRA), customer due diligence policy and a customer risk model that fit your business model. And a clear route to the AMLR, the EU Anti-Money Laundering Regulation that applies from 10 July 2027.
More about this serviceTransaction monitoring and FIU reporting
Monitoring rules and expected transaction profiles that reflect your risks, with clear arrangements for creating and adjusting rules. Including a working process for reporting unusual transactions.
More about this serviceSanctions screening
Screening of customers, ultimate beneficial owners and payments that catches the risks without a pile of false positives. From list selection to alert handling.
More about this serviceLicensing with DNB and AFM
Applications and extensions for payment institutions, electronic money institutions, lenders and fund managers, with a file that matches what the supervisor wants to see. Including the fit and proper assessment of directors and support with information requests and investigations by DNB and AFM.
More about this serviceDORA and AI governance
The EU rules on digital operational resilience (DORA) translated into concrete steps, from ICT risk management to the register of information on your ICT service providers. And control over AI in your monitoring, screening and credit assessment.
More about this serviceScope
Supervision
- De Nederlandsche Bank, the Dutch central bank
- Dutch Authority for the Financial Markets
- Dutch Data Protection Authority
- EU Anti-Money Laundering Authority
- European Banking Authority
- German Federal Financial Supervisory Authority
including the underlying guidelines, guidance and good practices
Financial and economic crime (FEC)
- Dutch Anti-Money Laundering and Anti-Terrorist Financing Act
- EU Anti-Money Laundering Regulation, from 10 July 2027
- Dutch Sanctions Act: compliance with national and EU sanctions
Financial legislation
- Dutch Financial Supervision Act
- EU Payment Services Directive
- Revision of the EU payment services rules
- Revised EU Consumer Credit Directive
- EU Alternative Investment Fund Managers Directive
- BaFin minimum requirements for risk management
Digital
- EU Digital Operational Resilience Act
- EU Artificial Intelligence Act
Way of working
How I work
Advice is only valuable once it works in your organisation. That is why I stay involved until it is in place.
- 1
Insight
I map where you stand: what the rules require, what the supervisor expects and where the gaps are.
- 2
Advice
I translate that into choices you can justify. Proportionate, defensible and suited to your organisation.
- 3
Implementation
I help build policies, procedures, monitoring rules and reports, together with your people in operations.
- 4
Embedding
I make sure it keeps working, through monitoring, training and, where needed, as your external compliance officer.
About me
I am Ian Kok
I have worked in compliance in the financial sector for more than fifteen years. I started at pension administrator PGGM, then worked as compliance officer at Volkswagen Pon Financial Services and spent more than five years as Head of Legal, Compliance & Security and member of the management team at DFM and Volkswagen Bank. As a senior consultant at Projective Group, I then advised and supported banks, payment institutions, leasing companies and fund managers.
As an adviser, project lead and interim, I see what organisations really need. I bring that experience to every assignment: I analyse what needs to happen, make it concrete and make sure it works, with an eye for the people in your organisation. Since 2026 I have been doing this through my own firm.
Lawyer (LLM, Utrecht University) · Certified Compliance Professional (NCI)
Committed · Pragmatic · Solution-oriented
Previously at
- PGGM
- Volkswagen Pon Financial Services
- DFM and Volkswagen Bank
- Projective Group
From practice
Recent assignments
Payment and credit provider · Transaction monitoring
Designed and implemented transaction monitoring for merchant payments and buy now, pay later, with expected transaction profiles per merchant and a register for tuning and decision-making.
Licence application · DNB and AFM
Drafted the SIRA and customer due diligence policy for licence applications as a payment institution and as a credit provider.
Curious where you stand?
Arrange a no-obligation introduction. We discuss your question and what I can do for you. I usually respond within one working day. Prefer email? ian@ikcomplianceadvies.nl