Agenda

We would like to invite you to the General Meeting of Members (“ALV”) on Thursday, 11 June 2026, at the Huis van de Stad Naarden. The ALV will take place prior to the Summer Event and is accessible to members only. Registration is possible via MijnVCO. If you are unable to attend and would like to authorise another member to cast your votes, please notify the secretariat via info@vco.nl.

Click here to register

Agenda:

1. Opening & Welcome

2. Adoption of the agenda

3. Adoption of the minutes of
16-01-2025 and 12-06-2025

4. Financial statements & accountability
a. Board report 2025
b. Annual accounts 2025
c. Report of the Audit Committee
d. Discharge Board members
e. Discharge Audit Committee members

5. Appointment Audit Committee 2026

6. Update – Vacancies Chair and Secretary

7. Update – Foundation National Register EICP

8. Updates from the Advisory Board

9. Any other business

10. Closure

The Expert Group on Financial Economic Crime invites you to a webinar on a rapidly emerging threat to digital identity integrity: Account & Document Farms. The webinar, held in English, will take place on 19 May 2026 from 17:00 to 18:00 (CET).

Criminals have found a new way to exploit the financial system: Account & Document Farms. These organised networks open large numbers of bank accounts through online onboarding, using purchased, stolen or synthetic identities combined with professionally forged documentation. The fully set‑up accounts — including login credentials and supporting documents — are then sold on social platforms for a few hundred euros. The result is “banking‑as‑a‑service” for criminals, without any reliance on traditional money mules.

This webinar highlights a rapidly growing phenomenon that has major implications for KYC processes, onboarding, transaction monitoring and fraud detection within financial institutions.

What to expect

We approach this topic from practical experience and international expertise, with speakers specialising in behavioural biometrics, document fraud and the abuse of online onboarding channels. They will provide deep insights into:

• how Account & Document Farms operate
• which technologies they use (AI, deepfakes, device spoofing)
• how large‑scale and professional these networks have become
• which detection strategies are being applied internationally

The introduction and Dutch context will be provided by Albert Stoetzer, who will address:

• relevance for Dutch financial institutions
• recent case studies and supervisory developments
• implications for onboarding and monitoring processes

Webinar content

• operating model and business model of Account & Document Farms
• vulnerabilities in current KYC and onboarding processes
• the role of AI, deepfakes and synthetic identities
• indicators and red flags for detection
• potential mitigation strategies and process adjustments

Why you shouldn’t miss this webinar

Account & Document Farms represent a new generation of identity fraud that puts traditional gatekeeper controls under significant pressure. This webinar will equip you with the insights needed to recognise emerging risks, strengthen your processes and prepare your organisation for what lies ahead.

Register now

• The webinar is open to all VCO members.
• Do you know someone who would like to join but is not yet a VCO member? They are welcome to attend as well. Please use this link to register: Registration form

The Expert Group on Financial Economic Crime invites you to a webinar exploring key financial crime developments where crypto assets are involved: Crypto Developments & Financial Economic Crime – illicit flows, scams, sanctions and new regulation.

The webinar, held in English, will take place on 21 April from 17:00 to 18:00 (CET).

Cryptocurrencies are playing an increasingly significant role in financial‑economic crime. Recent reports show that both the scale and sophistication of crypto‑related criminal activity continue to rise. TRM Labs identified a record $158 billion in illicit crypto flows in 2025, a 145% increase compared to 2024. Chainalysis expects crypto scams to exceed $17 billion in 2025, driven by a surge in impersonation scams and AI‑enabled fraud. AMLBot reports that 65% of analysed crypto incidents originate from social engineering, with investment scams and phishing as dominant attack vectors.

At the same time, the regulatory landscape is shifting rapidly. Within the EU Markets in Crypto-Asset Regulation (MiCAR) has entered into force, alongside​​​​​​​ new AML rules, imposing stricter requirements on crypto service providers and financial institutions regarding customer identification, transaction monitoring and risk management. The EU AML Authority continues to classify crypto as a high‑risk sector, with expanding obligations for CASPs and financial institutions.

These developments make it essential for compliance and FEC professionals to update their knowledge and strengthen their detection and mitigation strategies.

Why you should attend

Participants will gain a clear overview of the most important crypto trends affecting FEC, including:

• emerging forms of crypto fraud and scams
• the role of AI in amplifying impersonation and fraud
• shifts in money‑laundering techniques, including mixers, stablecoins and cross‑chain laundering
• sanctions evasion through crypto rails
• the impact of MiCA, the Travel Rule and new EU AML regulations
• implications for KYC, onboarding, monitoring and investigations

Register now

• The webinar is open to all VCO members.
• Do you know someone who would like to join but is not yet a VCO member? They are welcome to attend as well. Please use this link to register: Registration form

The Expert Group on Financial Economic Crime invites you to a webinar on a rapidly emerging threat to digital identity integrity: Account & Document Farms. The webinar, held in English, will take place on 21 May 2026 from 17:00 to 18:00 (CET).

Criminals have found a new way to exploit the financial system: Account & Document Farms. These organised networks open large numbers of bank accounts through online onboarding, using purchased, stolen or synthetic identities combined with professionally forged documentation. The fully set‑up accounts — including login credentials and supporting documents — are then sold on social platforms for a few hundred euros. The result is “banking‑as‑a‑service” for criminals, without any reliance on traditional money mules.

This webinar highlights a rapidly growing phenomenon that has major implications for KYC processes, onboarding, transaction monitoring and fraud detection within financial institutions.

What to expect

We approach this topic from practical experience and international expertise, with speakers specialising in behavioural biometrics, document fraud and the abuse of online onboarding channels. They will provide deep insights into:

• how Account & Document Farms operate
• which technologies they use (AI, deepfakes, device spoofing)
• how large‑scale and professional these networks have become
• which detection strategies are being applied internationally

The introduction and Dutch context will be provided by Albert Stoetzer, who will address:

• relevance for Dutch financial institutions
• recent case studies and supervisory developments
• implications for onboarding and monitoring processes

Webinar content

• operating model and business model of Account & Document Farms
• vulnerabilities in current KYC and onboarding processes
• the role of AI, deepfakes and synthetic identities
• indicators and red flags for detection
• potential mitigation strategies and process adjustments

Why you shouldn’t miss this webinar

Account & Document Farms represent a new generation of identity fraud that puts traditional gatekeeper controls under significant pressure. This webinar will equip you with the insights needed to recognise emerging risks, strengthen your processes and prepare your organisation for what lies ahead.

Register now

• The webinar is open to all VCO members.
• Do you know someone who would like to join but is not yet a VCO member? They are welcome to attend as well. Please use this link to register: Registration form

On Friday, 19 June 2026, the annual VU Compliance Symposium will take place.

This year’s theme is: “In Turbulent Times Compliance Counts!”

Increased geopolitical tensions, expanding sanctions regimes, and rapid technological change are profoundly reshaping compliance and integrity risks for organisations operating across borders. Companies face growing exposure to third-party misconduct, cyber vulnerabilities, disrupted supply chains, and restrictions on data and technology.

This symposium examines how legal, compliance, and risk professionals can reinforce integrity, trust, and resilience in an increasingly volatile and fragmented environment.

The symposium will take place at VU Amsterdam and is organised by the VU Executive Master of Compliance & Integrity Management and the VU FEC Risk expert programme in collaboration with the Journal Compliance, Ethics & Sustainability (CES), De Brauw Blackstone Westbroek, PwC and the Association of Compliance Professionals (VCO).

📅 Friday, 19 June 2026
📍 VU Amsterdam
💶 Participation fee: €40 (proceeds will be donated to charity)
🎓 3 PE credits

Secure your place! – Pre-register here

As the New Year’s event could not take place this year as per usual, we want to ensure that the members are well informed about the plans and budget for 2026. Understanding the choices and financial framework for the year ahead is important to all of us.

To achieve this we will organise an online member information session:

Date and time: Tuesday 10 February 2026, 19:30 – 20:30

Location: Online via Microsoft Teams

During this session, the Board will present the budget and planned activities for 2026. There will be an opportunity to ask questions and share comments before the plans are finalised.

Would you like to join the session? Please register via this link.
You will then receive the Teams link. If you have questions or specific points you would like to raise during the session, please send an e-mail to info@vco.nl.

On Thursday, 29 January 2026, we will organise a gathering to honour Michelle and share the memories together. All VCO members are warmly invited to attend.

Date and time: Thursday 29 January 2026, 16:00 – 18:00

Location: Rosarium, Amstelpark 1, Europaboulevard, Amsterdam

This will be a moment to reflect on what Michelle meant to each of us and to our profession, a time for connection and remembrance.

Would you like to speak or share a memory during the gathering? Please send an e-mail to info@vco.nl in advance so we can prepare the programme.

We hope to welcome many of you on this special occasion. If you intend to come, please register via this link.

DATE: 13 november 2025 | 16:00 – 19.15
Location: KPMG Headquarters, Amstelveen

The compliance landscape in financial services is evolving rapidly. Before delving into the specific challenges facing payment service providers (PSPs), the seminar will start with a broad overview of the key AML & FEC developments currently shaping compliance agendas across financial institutions. Following a review of major trends in anti-money laundering (AML) and financial economic crime (FEC), the focus will shift toward the increasingly complex environment in which PSPs operate.

PSPs are subject to heightened regulatory scrutiny under Dutch law. They face strict AML obligations, practical challenges when monitoring payments handled through agents, and additional layers of customer due diligence (CDD) imposed by their banking partners.

PSPs are subject to heightened regulatory scrutiny, facing strict AML obligations under Dutch law, the practical challenges of monitoring payments conducted through agents, and additional layers of customer due diligence (CDD) required by the banks that maintain their accounts.

This event is designed to be forward‑looking and practical. Participants will gain a clear understanding of the main compliance priorities for 2026 and beyond, along with actionable insights for managing current challenges in the payments landscape. The seminar also provides an excellent opportunity to exchange perspectives with industry peers and subject‑matter experts.

The event will take place on Thursday 13 November 2025, and will be conducted in English.

Program:

From 16.00 hrs.              Registration
16.30 hrs.                         Opening by seminar chair, Evelyn Bell
16.35 hrs.                         Welcome and announcements by Michelle Fisser, Chair of the VCO
16.40 hrs.                         Outlook 2026 and beyond: FEC developments in the financial sector – Frank Basjes
16.55 hrs.                         The Fintech Fraud Frontier: Risks, Rules, and Reality – Anjeni Pancham (Head of Compliance Pay, board member VBIN)
17.20 hrs.                         FEC Challenges for banks dealing with Payment Service Providers – Floor Knuiman, (Specialist KYC guidance, ABN AMRO)
17.45 hrs.                         Panel discussion – Anjeni Pancham, Floor Knuiman, Paul Koetsier (KPMG) moderated by Evelyn Bell
18.15 hrs.                         Wrap up
Until 19.15 hrs.               Networking drinks

Registration:

• We have availability for a maximum of 50 participants. VCO members have free admission.
• Register now for the seminar here. Full = Full!

SPEAKERS AND PANEL MEMBERS:

Frank Basjes works as an independent consultant and interim manager in the field of anti-money laundering, compliance and integrity. He started his own company in 2017 after a 20-year career at financial institutions both in the Netherlands and abroad. In recent years, he has served in various interim leadership roles, including Head of CDD/KYC at a Dutch private bank, Chief Operating Officer at a consultancy company specializing in compliance and integrity, and Lead Quality Improvement for the CDD processes for Corporate & Institutional clients at a major bank.

Anjeni Pancham works as an Executive Board member of CM Payments B.V. (part of CM.com AEX) with a special focus on Compliance. Besides her position within CM Payments B.V., she is also a board member of the Verenigde Betaal Instellingen Nederland (VBIN). VBIN serves as a unified voice for its members (Payment Institutions and Electronic Money Institutions), engaging with key stakeholders including De Nederlandsche Bank (DNB), the Ministry of Finance, and the Dutch Authority for the Financial Markets (AFM).

Floor Knuiman works as a Policy Specialist at ABN AMRO, where she develops AML/CFT and sanctions policies for innovative sectors such as payment service providers and crypto asset service providers. Previously, she worked as Global Compliance Monitoring Officer for wholesale banking at another major Dutch financial institution. With an academic background in criminal law, she is a Certified Compliance Officer and entrepreneur, having run a legal advisory practice and a restaurant. Her creative and pragmatic approach is shaped by diverse experiences, including a lifelong dedication to playing piano.

Paul Koetsier