About Marjolein
I help fintechs and SMEs build practical, scalable risk frameworks that enable growth and regulatory alignment. With 10+ years of experience in Financial Services (American Express) and Fintech (Paystrax, Mercuryo), I bring a proven track record of delivering complex change programmes and building Enterprise Risk Frameworks from the ground up.
Highlights of my expertise include:
- Designing and embedding enterprise risk frameworks from scratch
- Leading FCA licence applications and regulatory remediation programmes
- Managing risk and regulatory change projects impacting millions of customers
- Building governance structures, risk committees, and third-party risk frameworks
- Partnering with cross-functional teams to translate complex regulation into actionable solutions
I’m known for clarity, collaboration, and outcome-driven delivery — whether supporting startups through their first regulatory application or helping established firms reducing their risk exposure.
I like simplicity and won't overwhelm you with complex frameworks and tools you don't need - let's work together to understand what good enough looks like for you.
English
Native or bilingual
Dutch
Native or bilingual
French
Native or bilingual
Can work on-site
Brighton (up to 50km)
Experience
- American ExpresContractor - Risk Mitigation ProjectsBANKING AND INSURANCESeptember 2024 - Today (1 year and 9 months)Brighton, Brighton and Hove, UKConduct Risk - Created a misconduct assessment and consequence management framework, reducing Misconduct rates by 50% internationally and reducing the Company's reputational risk exposure.Privacy Risk - Led multi-market (10+) project in response to compliance failures in how the Company collects and honours Merchant marketing choices, bringing the Co into compliance with Privacy laws.Privacy Risk - Led a remediation strategy across 5 million customers to collect up-to-date marketing preferences, increasing marketable populations internationally whilst closing compliance gaps.
- Monetley Ltd (Mercuryo Group)Head of RiskBANKING AND INSURANCEApril 2024 - September 2024 (5 months)London, UKEstablished the Risk function, created the ERM framework, including Risk Registers, Risk Management policies, and a Risk & Audit Committee.Strengthened operational resilience though creation of BCPs for critical processes and scenario testing.Fostered a strong risk aware culture within the company by creating trusting relationships, educating, and collaborating with multidisciplinary teams and senior leaders.
- Paystrax LtdHead of RiskBANKING AND INSURANCEJuly 2022 - April 2024 (1 year and 9 months)Brighton, Brighton and Hove, UKBuilt the Company's Enterprise Risk Framework from the ground up (including Risk management policies, Risk Register, Risk Committee), significantly strengthening risk governance and oversight.Successfully led the Company's FCA application. Led the transition of UK contracts from the Lithuanian entity to the UK entity - Enabling the company's establishment into the UK market.Created and implemented a Third-Party Risk Management framework, addressing regulatory findings by the Bank of Lithuania and reducing the Company's overall risk exposure
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Education
- Bachelor's in European studies(Maastricht UniversityBachelor's in European studies
- Baccalauréat Général Littéraire (A-levels)(Lycée Madame de StaelBaccalauréat Général Littéraire (A-levels)