A

Angelique Schouten

Co-Founder

Amsterdam, North Holland, Netherlands21 yrs 4 mos experience
Most Likely To SwitchAI Enabled

Key Highlights

  • Built the world's first cloud-native core banking platform.
  • Launched a contract management tool in 112 countries.
  • Expert in scaling companies across diverse tech sectors.
Stackforce AI infers this person is a Fintech and SaaS expert with a strong focus on AI-driven solutions.

Contact

Skills

Core Skills

EntrepreneurshipAi SolutionsRecruitment TechnologyLeadershipProject ManagementBusiness StrategyInternational Business DevelopmentExecutive ManagementCoaching

Other Skills

fractionalAIRecruitmentFractional LeadershipMarketing StrategyInternational SalesExecutive CoachingSupervisory SkillsSupervisory ManagementNewTechStrategyManagementCampaign ManagementB2BConsultancy

About

What drives someone who grew up overcoming hurdles to spend her life building? For me, it started with curiosity. I wanted to understand how things worked: systems, people, products, and once I did, I fell in love with building them. Today, I’m a tech founder, operator, and creative problem-solver who turns complex ideas into products that actually work and companies that scale fast, even when resources are limited. Build where others hesitate.
 Execute when others debate.
 Use constraints as fuel for creativity. I helped build the world’s first cloud-native core banking platform (Ohpen --> $100B+ AuA), launched a contract management tool (6 months --> 112 countries, 6000 B2B customers), and scaled companies across fintech, low-code, SaaS, crypto, and now AI, and today I run 10x - where we bring human judgment and AI together to change how companies hire and operate. Execution is my edge.
Creativity is the engine behind it. I didn’t grow up in tech. I was a tall, shy, dyslexic kid in a small Dutch village who loved metal music, being outside, and building things with my hands. My mother was the entrepreneur in the family. My father vanished to a country without an extradition treaty, taking all her money with him. So I learned early: if you want something, you take charge and do it yourself. At 11, I was planting leeks to make ends meet.
 In my twenties, I graduated with over $115K in student debt. Working hard wasn’t optional. It was a must have. And somewhere in that chaos, I discovered that people who’ve been through something, the outliers, often bring the most creativity, grit, and originality. I’ve always felt part of that tribe. People sometimes call me a rebel in disguise. Maybe because I question everything. Maybe because I move fast. Or maybe because life taught me to rely on execution, not entitlement. I’m drawn to unusual thinkers; the ones who refuse to fit into boxes and build their own instead. My personal motto has never changed:
Life is not about fitting in, it’s about standing out. What I believe - Creativity is a super power - especially when budgets are thin.
 - Execution beats theory and ego every time.
 - Outliers bring the breakthroughs.
 - Tech only matters if it improves real lives.
 - You build the conditions you want, you don’t wait for them.
 - Culture is shaped by what you do, not what you say.
 - Standing out is earned. If you’re building, scaling, or rewriting the rules, DM me. I like working with people who carry a little fire… and use it well. p.s. Looking for a read: Check out Monkey Money Mind ;-)

Experience

21 yrs 4 mos
Total Experience
3 yrs 4 mos
Average Tenure
12 yrs 3 mos
Current Experience

Stealth ai startup

Founder

Apr 2025Present · 1 yr 1 mo

Joanna invests

Member of the Board of Advisors

Nov 2023Present · 2 yrs 6 mos · Amsterdam, North Holland, Netherlands · Hybrid

  • Joanna Invests is focussed on empowering female founders, and are breaking new ground in making startup investments accessible and inclusive. Did you know that female founders only receive 1% of venture capital funding?
  • Joanna Invests has already invested in companies such as We Are Eves, Quan - employee well-being, Ozarka B.V., tex.tracer and Peekabond. The company is is on a mission to raise 5 million EUR for female founders and offers investors to build their own start-up portfolio by investing €2,000 in a specific company or selecting a "package deals" which allows for investments in 5 diverse startup companies starting from €10,000.
  • This not only opens doors for new investors but also bolsters female entrepreneurship.

Ai.nl - the ai group

Member of the Board of Advisors

Apr 2023Present · 3 yrs 1 mo · Amsterdam, North Holland, Netherlands · Hybrid

  • Member of the Board of Advisors together with Hubert Deitmers (Founder Endeit Capital), Eva de Mol (Co-founder CapitalT), Gijs Nagel (Lenos Equity) and Daniel Gebler (CTO Picnic).
  • An optimistic view of the possibilities, a realistic view of the challenges.
  • Although AI is the most significant technological change since the advent of the internet, it is not a magic box that suddenly delivers value. Good leadership, sufficient knowledge and experience are needed to apply it correctly. We help you in this transformation.

Genexis group

Member of The Supervisory Board

Apr 2023Nov 2025 · 2 yrs 7 mos · Stockholm, Stockholm County, Sweden · Hybrid

  • Genexis and IOPSYS Software, develop fiber-speed Customer Premises Equipment (CPE) products and an open-source operating system for Broadband and IOT gateways for the fast-growing broadband market.
  • Genexis and IOPSYS are part of Genexis Group and there are subsidiaries and offices in Sweden, The Netherlands, Norway, Germany, Finland, Denmark, Belgium, Poland and the United Kingdom.
  • Amongst the shareholders of this EUR100+ (2022) revenue company are Stockholm based private equity firm Accent Equity, Simac Techniek N.V. and Unigestion S.A. The company is listed on NASDAQ.
  • The companies are among the market leaders and develop fiber-speed CPE products and hardware independent software platforms, all enabling added value for operators, network owners and service providers. The vision is obvious: Realizing the digital home.
  • Genexis believes that everyone deserves to be connected to fiber broadband at their home.
  • With fiber to the home, people are able to fully participate in the rising digital era where online services and applications have become essential.
  • By closely working together with their customers Genexis Group wants to innovate and revolutionize how fiber broadband can be realized in the home. Genexis Group designs and develops products and end-to-end solutions to make it easy for service providers, installers and end-users. Genexis Group enables fast and friendly fiber connectivity with the lowest cost of ownership and complete interoperability for every scenario. Ultimately to make end-users happy.
  • Genexis Group delivers a complete portfolio of products for fiber broadband in the home, including DIY fiber terminators, optical network units, full service network devices, and WiFi enabled residential gateways and access points. All these products are manageable, support industry standards and are designed for sustainability.

10x.team

Founder

Jan 2023Present · 3 yrs 4 mos · Hybrid

  • 𝟭𝟬𝘅 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝗳. 𝟭𝟬𝘅 𝗬𝗼𝘂𝗿 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀.
  • The world of work is evolving, and 10x is at the forefront. We're shaping the future of work by empowering both talent and teams by building solutions designed to unlock talent potential:
  • Officially launched ** 𝟭𝟬𝘅𝗛𝗶𝗿𝗲 – Our AI-powered Video Recruiter supercharges recruiters by taking over pre-sreening and first-round interviews, available 24/7 in multiple languages. It delivers smart candidate rankings and provides side-by-side comparisons. Say goodbye to repetitive screening calls and hello to pre-qualified candidates ranked and ready for your review. www.10x-hire.com
  • 𝟭𝟬𝘅.𝘁𝗲𝗮𝗺 – Our fractional professionals platform unites top fractional freelance leaders and professionals with ambitious companies and AI labs seeking exceptional outcomes focussed on training AI frontier and industry models. Connect with top fractional leaders and specialists who deliver 10x impact to your projects from day one. www.10x.team
  • Whether it's through providing the perfect people or the perfect tool to eliminate repetitive admin work for hiring teams, we help accelerate startups, scaleups and grown-ups by delivering the right solution, now. Ready to 10x your approach to talent? Contact us now.
  • 10x is founded by a team of former Ohpen colleagues who set out to build the world's first bank in cloud with over $120b Assets under Management supporting Robeco, Aegon, Volksbank, LeasePlan Bank, NN Bank (former ING), Knab, and many more.
fractionalEntrepreneurshipAI Solutions

Rising ai tech demystified

Book Author

Dec 2022Oct 2025 · 2 yrs 10 mos · Amsterdam, North Holland, Netherlands · Remote

  • A real-life experiment. My third book just got published. Third one? Why is it then an experiment? Because my co-author is Artificial Intelligence 'tool' ChatGPT. Written within 1 week after ChatGPT launched.
  • Given my background in FinTech and always seeking for ways that technology can improve our lives, plus the fact that I got hooked on AI/ML during my recent Innovation Circle trip to Seattle and the Bay Area, I wanted to write about this topic:
  • Rising AI Tech Demystified: Your guide to understanding Artificial Intelligence, Machine Learning, Blockchain, and Cryptocurrencies, and how these technologies come together in Algorithmic Crypto Trading.
  • It includes an evaluation of jointly writing a book with artificial intelligence as well as more unusual FinTech book content such as haikus, poems, a Metallica-style song, and a Star Wars-like excerpt movie script in an easy and lighthearted way.
  • This book is available as an eBook, paperback and hardcopy: https://a.co/d/4nrMNS3
  • Newsflash - the book is as good as ChatGPT was then... Not very ;-) Searching for a good read: check out Monkey Money Mind
Executive CoachingSupervisory SkillsSupervisory ManagementExecutive ManagementCoaching

3.14

Fractional CEO

Sep 2022Aug 2023 · 11 mos

  • Having built the first cloud-native core banking engine in the world with over $100bn Assets under Administration, it was time for the next challenge: building the first crypto-native fund management and accounting platform supporting all you need to create and manage your crypto investment funds: advanced algorithmic trading engine, scenario builder and optimiser, realtime NAV, complex ledger structure, integrations with crypto exchanges, all the decimals you need ;-)
  • Building the solution and company together with former colleagues in a fractional capacity.

Ace + company

Advisory Board Member

May 2022Present · 4 yrs · Amsterdam, North Holland, Netherlands · Hybrid

  • Applying GenAI to Regulatory, Compliance, Risk, (Reg) Data & (Reg) ESG.
  • ACE + Company: ACE Management Consulting, ACE Regtech Solutions and ATOMIC Interim Professionals specializing in Regulatory Change, Regulatory Intelligence, Risk, Finance, Compliance and data.
  • ACE Management Consulting is a high-end consultancy firm, dedicated to strategize, direct, facilitate and execute regulatory driven change in the financial sector. Our clients typically are financial institutions such as banks, insurance companies, asset managers and pension funds, as well as regulators and supervisors. We empower and assist them to understand, structure and internalise (new) regulations and directives, that through their inherent complexity impact all aspects of the organisation. Profound understanding of the challenges ahead, a sound regulatory change strategy as well as structured execution management are some things our clients appreciate in our approach.

Clevr

Chief Executive Officer

Feb 2021Aug 2022 · 1 yr 6 mos · Amersfoort, Utrecht, Netherlands

  • London-based Private Equity backed low-code and no-code Software-with-a-Service (SwaS) solutions provider and largest Mendix Expert partner worldwide with over 250 Imagineers with offices in the Netherlands, Germany, Norway, United Kingdom and Slovenia. Servicing over 400 customers in 18 countries including Continental, Achmea, eXp Realty, Siemens, Mondi Group, T-Systems.
  • At CLEVR we care about the digitalization and success of our customers and truly want to make a difference, by being clever. We will give it all to exceed expectations with our low-code and no-code expertise, industry leading products and specialized tooling. If you can image it, we can make it real.
  • CLEVR always strives to be smart, savvy, social and sustainable. In doing so, we combine high-tech and high-touch in what we call Software-with-a-Service. This will help people and businesses to let their software work for them.
  • Proudly supporting customers such as Continental, Andritz, ING, eXp Realty, Siemens, Canon, Rituals, Cargolux, VodafoneZiggo, Achmea, Euronics, Nutricia, Louwman, Van Bommel, Etos, Eneco, Stella Fietsen, Mondi Group and T-Systems. Backed by Volpi Capital since 2019.
  • History:
  • MANSYSTEMS was one of the first to recognize the power of low-code software. In 2020 the company merged with FLOWFABRIC (FD Gazellen Award winner) resulting in the largest global Mendix-partner with over 200 people in the Netherlands and Germany. Together with its Betty Blocks label specialized no-code label BLOCKBRAINS, and the in September 2021 acquired Digitread (Platinum Siemens PLM specialist) the four labels were merged into CLEVR and the company services over 400 customers in 18 countries with its heavy industry specific sector and technological advanced low-code and no-code solutions and services.

Techleap

Scaleup & Internationalization Expert

Jan 2021Present · 5 yrs 4 mos · Amsterdam, North Holland, Netherlands · Hybrid

  • Volunteer as an expert as part of Techleap's Rise program. Helping founders scale their organization and international roll-out.
Business StrategyMarketing StrategyInternational SalesInternational Business Development

Holland fintech

Non Executive Board Member

Jan 2021Apr 2024 · 3 yrs 3 mos · Amsterdam, North Holland, Netherlands

  • Largest independent association of financial services companies, FinTech solutions and advisory firms in The Netherlands uniting over 300 members. Representing incumbents, challengers, start-ups.
  • General Non Executive Board member
  • Board representative "Borderless FinTech" working group
  • Board contact Dutch Ministry of Finance
  • Publisher of Dutch FinTech Map
  • Organiser Amsterdam FinTech Week

Monkey money mind - a forbes books publication

Author of the Monkey Money Mind Book

May 2019Jan 2021 · 1 yr 8 mos · The Randstad, Netherlands

  • In Monkey Money Mind - a Forbes Books publication, Chris Zadeh & Angelique Schouten explore why we stop thinking when we start spending. Feat. interviews with Nobel Prize winner Dr Harry Markowitz, Osher Gunsberg, Pat Williams & more. All proceeds go to The Gorilla Organization.

Idc

Advisory member Cloud Research Innovation Council

Sep 2018May 2023 · 4 yrs 8 mos · London Area, United Kingdom

The wealthtech book

Co-Author of The WealthTECH Book

Apr 2018Apr 2019 · 1 yr · London Area, United Kingdom

  • The WEALTHTECH Book offers essential updates, critical thinking and actionable insight globally from start-ups, incumbents, investors, tech companies, advisors and other partners in this evolving ecosystem, in one volume. For some, Investment & Wealth Management are either facing an existential threat; for others, it is a sector on the brink of transforming itself. Either way, business models, value chains, customer understanding and engagement, organisational structures and even what Investing and Client Advisory are for, is never going to be the same. Be informed, be part of it. Http://thewealthtechbook.com

Ohpen

5 roles

Executive Board Member

Nov 2017Feb 2021 · 3 yrs 3 mos

  • The world's first API- & cloud-native SaaS core banking platform (since 2009). Supporting savings, investments lending, mortgages and payments front-, mid- and back offices for top and mid tier banks, asset managers, insurers, pension providers and brokers. 350 people, $100bn assets under management, offices in the Netherlands, Belgium, United Kingdom, Spain and Slovakia.
  • Private Equity backed (NPM Capital & Amerborgh).
  • Responsibilities include (CCO & CHRO):
  • Product Management & Marketing
  • Marketing, Branding, Communications, PR
  • Sales, Business Development
  • Talent Acquisition & Development, Human Resource Management
  • Strategic Projects (incl. M&A e.g. acquisition of loans & mortgages company Davinci)
  • Facility & Office Management
  • Proudly supporting customers like Aegon, Knab, Robeco, Link Asset Services, Volksbank, LeasePlan Bank, NN bank, CMIS Group, Merius, Vesting Finance, SNS Bank, RegioBank, TKP, ASN Bank, BLG Wonen and RNHB.

Founding CEO Ohpen UK (CF1)

Jan 2016Mar 2018 · 2 yrs 2 mos

  • About Ohpen UK:
  • Ohpen UK helps financial services providers such as retail banks and asset managers do business better, providing them with the best outsourced front-, middle- and back office facility for the administration of their retail savings and investment accounts. Outsourced services are based on the FinTech solution of Ohpen: a ruthlessly effective cloud-based core-banking and investment engine.
  • Responsibilities:
  • As founding Chief Executive Officer (CF1) responsible for the British SaaS & BPO-activities of Ohpen. Within the UK Board responsible for the front & middle office (operations), account management, legal & compliance, risk, implementations, sales and marketing activities.
  • Main achievements:
  • Founded Ohpen UK & created fully operational BPO-organisation
  • Recruited a high performing local UK team with diversity at its core
  • Acquired regulator (FCA) Approval within little over 6 months
  • Signed & implemented first UK-based clients (multi-million, multi year contracts)
  • Responsible for localisation platform (incl. regulatory compliancy)
  • Received promotion to join the overall executive board and after initial phase, company re-focused on Dutch implementation and M&A activities.

CMO & HR

Promoted

Mar 2015Oct 2016 · 1 yr 7 mos

  • As Chief Marketing Officer responsible for the overall Marketing & Sales activities, the Internationalization of Ohpen and Human Resource Management:
  • Marketing
  • PR
  • Communications
  • Branding
  • Sales
  • Human Resource Management

Director of Business Development

Nov 2013Mar 2015 · 1 yr 4 mos

  • Responsible for the commercial activities of the Software Division of Ohpen:
  • Sales
  • International business development
  • MarCom

Director of Retail (D2C)

Jun 2012Jan 2015 · 2 yrs 7 mos

  • Responsible for setting up and running one of the first direct-to-consumer robo-investors of the Netherlands.
  • Marketing (strategy, above & below the line campaigns)
  • Communications
  • PR
  • Customer Service
  • Operations
  • Legal & Compliance retail
  • Fund management

Cloudtract

Co-founder & CEO

Dec 2014May 2017 · 2 yrs 5 mos · The Randstad, Netherlands

  • Cloudtract is a safe and simple online tool for entrepreneurs and businesses that lets you store contracts and receive alerts in time. Signed up 6.000+ SMEs in 117 countries within 6 months (minimal marketing budget). Sold company after initial phase.

Sportz guru

Non-Executive Director & co-founder

Mar 2014Dec 2020 · 6 yrs 9 mos · Amsterdam, North Holland, Netherlands

  • Sportz Guru reviews sports tickets and hospitality packages all over the world to provide you with all the insights needed to pick your next sports event (for business or personal trips).

Trailblazings

Founder

Feb 2014Present · 12 yrs 3 mos

  • Starting, scaling & trailblazing. That's what Trailblazings does. We specialize in the unexpected.

Robein

2 roles

Director of Retail

Jan 2012Jan 2014 · 2 yrs

  • Medium-sized Dutch life assurance company and bank that specialises in annuities, wealth creation and management. Managed by a team of 80 professionals.
  • Responsible for the commercial activities of Robein: Marketing, PR, Sales, Fund Management, Discretionary Asset Management, Operations, Product management & Customer Service.
  • Implemented turn-around strategy for this traditional insurance company & wealth manager.

Manager Marketing & Communicatie

Jul 2010Jun 2012 · 1 yr 11 mos

  • Responsibilities:
  • Initiate, develop, determine and implement the strategic, tactical and operational marketing strategy and achieve objectives;
  • Coordinate and organize all marketing and communication activities;
  • Maintain contact with internal (directors, managers and employees) and external (advertising, research, studios, suppliers, publishers, etc.) parties;
  • Program and project management;
  • Member of Management Team;
  • Manage, coach and develop Marketing & Communications team.
  • Activities:
  • Develop & implement new brand strategy, online strategy (including social media), communication, PR planning, relationship marketing, DM, CRM Strategy, (New) Business Development, Product Management, Campaign Management, Marketing Intelligence / Database Management (internal and external analysis ).

Aon

Manager Marketing

Aug 2009Jul 2010 · 11 mos

  • Responsible for:
  • Develop and execute Marketing plan (incl. annual planning, Out-of-Pocket and IT budget);
  • Initiate and evaluate sales & marketing campaigns, marketing strategy, distribution marketing (PMC’s and new distribution-, partners and channels), branding, database marketing (e.g. Salesforce.com), market research, online marketing, website analytics, SEM, communication and materials (incl. generating Free Publicity and sponsorship a.o. Manchester United);
  • EMEA: online/offline strategy, marketing strategy and metrics;
  • Global: implement global marketing strategy in Dutch market (e.g. strategic sponsorships);
  • Manage team; hierarchical 5 FTE, functional 15 FTE; matrix organization and teams).
  • Member Management Team Aon Consulting and Client & Business Development.
  • Work closely with Shared Services, Lines of Business, EMEA network and Global Marketing team.

Ing nederland

Marketing Manager (numerous marketing/sales/change/program & project management positions)

Jan 2005Aug 2009 · 4 yrs 7 mos

  • Worked for muliple brands within ING e.g. NN group, WestlandUtrecht Investment Bank (D2C and Intermediated services)
  • 1. Manager Product Management Banking
  • (Securities, Mortgages, Savings)
  • 2. Manager Distribution Management a.i. Insurance Division
  • (Distribution/Growth Strategy, Sales strategy)
  • 3. Marketing & Sales Executive Assistant Insurance Division
  • (Distribution Management, Marketing Intelligence, Sales Support,
  • Sales Academy, Projects-Requirements & Control, CRM)
  • 4. Line of Business Manager Customer Contact Insurance & Pension Division
  • (Front Office Development, Service Concepts, Performance
  • Management, Quality Management)
  • 5. Channel Manager Insurance & Pension Division
  • (Customer Contact Strategy 2015)
  • 6. Program/ Project & Change Manager Insurance & Pension Division
  • (Numerous projects; marketing, process improvement, IT, sales, strategy)

Dce consultants

Management Consultant

Jan 2005Sep 2006 · 1 yr 8 mos

  • Management Consultant in market group ‘Financial Services’ (marketing, strategy, sales, front office solutions, IT, process improvement and program/ project management).

Various companies and industries

Consultant

Jan 1999Jun 2004 · 5 yrs 5 mos

  • (Part-time) projects at several industries and companies (B2B and B2C) a.o.:
  • Reed Business Information
  • Koninklijke Peijnenburg B.V.
  • Pyramisa Isis Hotel (Egypt)
  • InternetCamerasDirect B.V.
  • Rockwool Benelux B.V.
  • Coolen Dekzeilen
  • BAHCO Tools B.V.
  • Walker Magnetics Europe B.V.
  • Leen Bakker
  • Develop and implement strategic & technological customer contact strategy 2015 (including operational concepts);
  • Develop and implement marketing assessment model benchmark mortgage sector (Netherlands, Belgium and UK);
  • Develop strategic E‐business/E‐commerce advice;
  • Establish (strategy) and manage marketing‐, public relations‐, communication‐, and guest relations department (Egypt);
  • Customer satisfaction and market surveys (preparation, execution and advice);
  • Managing start‐up the Netherlands (e‐business);
  • Develop export strategy;
  • Optimize product portfolio.

Education

Nyenrode Business University

Master of Science — Business administration/ General management

Jan 2003Jan 2004

ING Business School

Manager of Managers

Jan 2009Jan 2009

TIAS School for Business and Society

Strategic Marketing Management

Jan 2008Jan 2008

Fontys University of Applied Sciences

Bachelor — Commercial Economics/ Marketing Managment

Jan 1997Jan 2003

Lean/Six Sigma

Green belt — Lean/Six Sigma

Jan 2005Jan 2005

Various courses

Certificates — Various courses

Jan 1997Jan 2002

University of Cambridge

CEIBT — Cambridge English International Business & Trade

Jan 2000Jan 2000

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Angelique Schouten - Co-Founder | Stackforce