EU Market Access and Regulatory Liaison for non‑EU firms

Practical EU market entry, senior EU presence and regulatory liaison for fintech, payments, crypto, AI, high‑trust technology and manufacturing vendors

By Claude Daha, Dutch executive operator and regulatory liaison with experience as COO, VP Operations and Project Director delivering programmes and market expansion across the EU, the UK, the Middle East and Africa, Asia-Pacific and North America.

I support non‑EU founders and leadership teams with both regulatory coordination and practical EU market entry. I work with you to organise your EU market access effort. Together we build a clear, business friendly picture of how EU regulatory obligations affect your model, working alongside your legal and compliance specialists, and keep licensing and supervisory work structured and on track. In parallel, I act as your local EU counterpart, helping you assess market entry routes, prepare for conversations with banks and partners, and build a credible presence in Europe, including for manufacturers and defence‑adjacent vendors that need senior local representation.

  • Not a law firm. I coordinate legal, compliance and operational work.
  • Supporting fintech, payments, e‑money, crypto assets, AI‑driven services, high‑trust technology and manufacturing vendors.
  • Dutch operator based in Amsterdam, with experience as COO, VP Operations and Project Director delivering programmes in regulated and high-trust environments across multiple regions.
  • Previously supported the Middle East and Africa market entry of an Asian technology company from Dubai, preparing regional groundwork, coordinating pre-commercial deployment activity and building initial partner and stakeholder relationships across the Middle East and Africa.
  • Support for manufacturers, defence‑adjacent vendors and high‑trust hardware suppliers (including tactical gear, textiles and PPE, robotics, drones, sensors and industrial technology) navigating EU buyer expectations, risk checks and tender requirements.
  • A credible senior counterpart for conversations with regulators, banking partners and risk teams.
Trusted by teams operating in regulated fintech and payments, high‑trust cybersecurity and defence‑adjacent sectors, and manufacturing and tender‑driven environments.
Why this model

Why companies choose this EU Market Access and Liaison model

This model is for teams that want a single senior operator in the EU who connects regulatory work and market entry, and acts as a credible local counterpart for banks, partners, buyers, regulators and, where relevant, tendering bodies.

Why base your EU entry in the Netherlands?
A single owner for EU market access. You finally have one person who keeps the full picture. No more juggling law firms, compliance vendors and internal teams with conflicting assumptions about what supervisors and EU counterparties expect.
Regulatory and market entry support combined. Instead of splitting responsibility between a regulatory lead and a separate local representative, you work with one senior operator who connects legal obligations with EU buyer, banking and partner expectations in a single, workable plan.
Operator level execution, not consultancy slides. You work with a senior operator with COO and VP Operations experience who has run regulated and high‑trust, multi‑stakeholder programmes and understands what it takes to deliver.
Credible representation where it matters. A senior Dutch operator who has represented complex, high‑trust technology initiatives in conversations with regulators, public‑sector stakeholders, banks, partners and security‑sensitive buyers, including high‑trust manufacturers and defence‑adjacent vendors.
Dutch regulatory grounding with an EU outlook. Based in Amsterdam and anchored in the Dutch regulatory environment, known for clear expectations around governance and AML, while coordinating work across the wider EU with your specialists and reflecting the expectations of EU banks, PSPs, buyers and public‑sector tenders.
Predictable, scoped engagements. Fixed scope for mapping and planning, then clearly defined ongoing support. No open ended billable hours, no surprises. Working with me in a part‑time or fractional capacity means you gain a senior EU operator and general‑manager‑level presence without the cost and risk of hiring a full‑time country manager before the timing is right.
Context

The EU is one market. The rules are not simple.

Different regulations, supervisors and expectations collide once you bring a regulated, high‑trust or security‑sensitive product into Europe. Without a single owner, EU market access quickly becomes a risky side project that drags on for months and distracts from product and commercial work.

The problem

  • Fragmented rules across MiCA, e‑money and payment regulation, AML, data protection and AI.
  • Multiple supervisors and stakeholders with different expectations and timelines.
  • External advisors sending long memos that never translate into a practical plan.
  • EU buyers, tendering bodies and security‑sensitive clients expecting local presence, senior representation and practical documentation that are hard to provide from outside Europe.
  • Internal teams split across product, tech, legal, risk and operations with no single owner.
  • Founders pulled into regulatory detail while trying to scale product and commercial work.

How this model helps you enter Europe

  • Single point of coordination for your EU market access effort.
  • Business friendly mapping of which regimes apply, and which questions matter first.
  • Concrete roadmap that links legal obligations to product, operations and governance.
  • Independent orchestration of your chosen law firms, compliance partners and internal teams.
  • Senior local counterpart for EU buyers, partners, banks and selected tenders, especially for high‑trust vendors and manufacturers that may not need an EU financial licence but do need a credible presence.
Most non‑EU firms also need practical help with market entry. Local representation, EU readiness checks, support with banks and payment providers, partner vetting, tender guidance and basic opportunity scouting sit alongside the Regulatory Liaison role so that both regulatory and market realities are considered together.
Context

Why the EU and why the Netherlands

Entering Europe requires choosing a home base. The EU offers scale and harmonised rules, but individual member states vary in regulatory culture, ease of doing business and expectations from banks, PSPs, buyers and public-sector stakeholders. This section outlines why most non-EU firms benefit from establishing their EU effort through the Netherlands.

Why the EU

  • The largest regulated market in the world, with over 450 million people and harmonised product and consumer rules across 27 member states.
  • Predictable frameworks for payments, e-money, crypto (MiCA), AML, data protection and emerging AI requirements, reducing uncertainty for non-EU firms.
  • Scalability. Once established in one EU jurisdiction you can expand into other member states without starting from zero.
  • Access to banks, PSPs, enterprises and public buyers that expect EU presence, aligned documentation and clear operational governance.
  • Being EU-ready is often seen as a high-trust signal by partners, banks and strategic buyers in other regions.

Why the Netherlands

  • International and English-first. Dutch regulators, banks and public bodies are comfortable operating in English, which reduces friction and translation overhead.
  • Regulatory clarity and pragmatism, with internationally oriented supervisors and clearer expectations than many larger EU states.
  • Business-friendly and less protectionist than several other EU jurisdictions, with fewer bureaucratic obstacles than markets such as France or Germany.
  • Bank-friendly and PSP-friendly environment with more structured onboarding and more predictable risk requirements for non-EU firms.
  • A mature ecosystem in Amsterdam for fintech, payments, cybersecurity, AI and high-trust technology, with many EU and regional headquarters based locally.
  • Central access to Brussels, Luxembourg, Frankfurt, Paris and London, making in-person meetings and regulatory work more straightforward.
  • Operationally realistic governance and AML expectations, which makes it easier to map obligations and execute a practical EU market access plan.
Services

What I help you with

I focus on both regulatory coordination and practical EU market entry. You work with one senior operator who keeps regulatory work and market entry tasks aligned in a workable plan that your specialists can execute and your leadership can trust.

Regulatory Liaison
Discovery and mapping

Regulatory navigation and obligation mapping

Help you assemble a clear view of which EU regulatory regimes apply to your business, how they interact, and what this means in practice for your model and risk appetite, working alongside your legal and compliance specialists.

You receive a plain language overview plus a prioritised checklist for follow up with your legal and compliance specialists.

Planning

Market access plan and roadmap

Turn agreed obligations into a concrete plan. Clarify licensing options, sequencing and operational dependencies across product, customer operations, risk and compliance, in close collaboration with your legal and compliance specialists.

Includes a simple timeline, key milestones and a clear ownership model that shows who does what internally and externally.

Orchestration

Regulatory liaison and programme oversight

Act as your single contact for EU market access. Coordinate law firms, consultants and internal teams so that everyone works from the same plan and assumptions, bringing a fractional general‑manager‑level presence to your EU effort without hiring a full‑time local executive.

Track progress, resolve gaps and prepare you for licensing and supervisory conversations, as well as due diligence by banks or payment partners.

Execution

Operational readiness and governance

Bridge from policy to practice. Review how regulatory expectations affect customer onboarding, transaction monitoring, incident handling, reporting and governance.

Align your operational playbook with licence conditions and supervisory expectations, without over engineering your organisation.

EU Market Entry and Presence
Presence

Local representative and EU presence

For companies that need a trusted person on the ground. I act as a local point of contact and communication representative, coordinate meetings with banks, partners, regulators and vendors, and provide a senior face for EU stakeholders.

Distributors can support sales, but they cannot solve EU readiness, documentation, buyer expectations or trust. I fill the operator-level gap that distributors and resellers cannot cover.

This is operational representation, not a regulated entity, authorised representative or nominee director. Formal responsibilities stay with your company and its licensed professionals. For manufacturers, I can help coordinate work with your authorised representative, notified bodies and technical teams around documentation, CE and PPE‑related expectations at an operator level.

Market entry

Market entry analysis and EU readiness

Research and summarise market size, competitor landscape, pricing expectations, distribution channels, barriers to entry and local partner options for your segment.

Includes a simple EU readiness review of your website, product, messaging and documentation, so you know what to adjust before approaching banks, partners or early customers.

Network

Network, introductions and partner vetting

Help you identify and approach relevant law firms, compliance consultants, banks, PSPs, cybersecurity partners, distributors, resellers, integrators or potential hires, depending on your industry.

I support you with structured introductions, operator‑level vetting and context‑specific filtering, including for high‑trust and defence‑adjacent environments and relevant EU tendering bodies. Formal due diligence and legal checks remain with your specialists.

Access and opportunities

Banking, PSP and tender support

Support with banking and payment provider onboarding expectations, documentation preparation and process coordination. Help you understand what EU counterparties expect from non‑EU firms, including practical expectations around technical files, product documentation and basic eligibility requirements for tenders.

For manufacturers and defence‑adjacent vendors, I can also scout and filter relevant public tenders and opportunities. I do not write bids, but help you understand requirements and decide where to focus.

Productised packs
Pack

Regulatory Liaison Plus

Combines core Regulatory Liaison work with a light EU presence layer. Obligation mapping and planning, plus local representation for key meetings, EU readiness review and coordination with your law firms and advisors.

Designed for non‑EU fintech, payments, crypto and AI firms, as well as high‑trust technology and manufacturing vendors (including defence‑adjacent suppliers), who want a single operator to keep both regulation and execution aligned.

Pack

EU Entry Pack

Focused on understanding your EU opportunity and preparing your organisation. Market entry analysis, competitor and buyer expectations, and a simple go‑to‑market preparation plan tailored to your segment.

A good fit if you are still deciding whether to pursue a particular EU route or jurisdiction and want a clear view before committing.

Pack

EU Presence Pack

A bundle for companies that need an ongoing presence in Europe without building a full local team. Local representative support, partner and vendor vetting, structured introductions and basic tender and opportunity scouting.

Well suited to manufacturers, defence‑adjacent vendors and high‑trust technology firms who need a credible senior counterpart in the EU.

Important. I am not a lawyer, I do not provide legal opinions, and I do not act as a regulated financial intermediary or tender agent. I work with your legal, compliance and specialised advisors, internal or external, to make sure everyone shares the same picture, plan and progress, and that your EU market entry work stays coordinated and realistic.
Fit

Who this service is for and who it is not for

Being explicit about fit helps you decide quickly whether this EU Market Access and Liaison model is the right way to support your plans. Although I support multiple sectors, they share the same EU entry challenges: high trust expectations, fragmented rules, demanding buyers and the need for credible senior presence.

Who this is for

  • Non‑EU fintech, payments, e‑money and crypto firms planning EU entry or expansion.
  • AI and data companies whose products intersect regulated financial services, high‑trust decision making or sensitive EU data, and who need to align their model with emerging EU AI and supervisory expectations.
  • Manufacturers, especially from Asia or the Middle East and Africa (including industrial, smart‑device, textile/PPE and electronics producers), targeting EU tenders or supplying into regulated, critical‑infrastructure and defence‑adjacent sectors.
  • Non‑EU manufacturers and technology vendors with existing operations or partners in China or wider Asia who need a trusted, EU‑based counterpart to bridge expectations with European buyers, banks and public‑sector stakeholders.
  • Vendors working with distributors or resellers who still need EU readiness, documentation alignment, buyer expectations and credible senior representation beyond what a distributor can provide.
  • Defence and cybersecurity vendors that need a credible EU counterpart for market entry, opportunities and buyer interactions.
  • High‑trust engineering, drone, robotics, tactical technology, dual‑use, sensor, optics or critical‑infrastructure vendors that require senior EU representation and structured introductions.
  • High‑trust software vendors whose products intersect risk, security, analytics or regulated workflows, who need EU buyer alignment and credible local presence.
  • Founders and executives who want a single operational lead in Europe to keep market entry and regulatory work on track.

Who this is not for

  • EU based companies looking for generic legal advice or template documentation.
  • Organisations expecting a law firm, audit house or full‑service compliance provider.
  • Firms unable to commit internal time to regulatory work, governance improvements or execution support.
  • Situations that require formal legal opinions without broader operational coordination.
  • Companies that need a regulated local entity, nominee director or full‑time sales presence in the EU.
  • Purely theoretical or academic market studies with no real intention to enter Europe.
How it works

A clear and predictable engagement model

Whether you are exploring EU entry or already in motion, the process stays simple. We clarify your situation, set scope, do the work together, and then decide how much ongoing support you need. Typical engagements begin with a fixed‑scope mapping and planning phase, with optional monthly or project‑based support for ongoing liaison and EU presence.

Intro call

A 30–45 minute conversation to understand your business model, current regulatory footprint (if any), EU market ambitions and where you may need local presence or representation. We assess whether the best fit is Regulatory Liaison, EU Market Entry and Presence, or a combined engagement.

Scoping and proposal

Define the questions you need answered across regulation, market entry and EU presence, what work has already been done, and who else is involved. You receive a concise written proposal with scope, outcomes, fees and timelines for the relevant pack or combination, such as Regulatory Liaison Plus, EU Entry Pack or EU Presence Pack.

Assessment and mapping

Workshops and working sessions to map regulatory obligations (where relevant), stakeholders, EU-buyer expectations, banking and PSP requirements and local presence considerations, including for security-sensitive and high-trust contexts. The result is a structured EU market access and presence plan that you can share internally and with advisors.

Ongoing support and EU presence

Optional monthly or project‑based support that combines Regulatory Liaison with practical EU Market Entry and Presence work. This can include coordination of advisors and internal teams, support with regulators, banks and PSPs, and senior local representation for partners, buyers and selected tenders as your EU plans move into execution.

Expertise

Operator first. Regulatory liaison by design.

You work with someone who has run complex programmes in regulated environments. The focus stays on execution, alignment and realism, not on theoretical slides.

About Claude Daha

I am an executive operator with experience as COO, VP Operations and Project Director in cybersecurity and enterprise software. Over the past years I have led global operations and customer-facing organisations, including customer success, professional services, support, pre-sales, the partner network and programme management (PMO), delivering complex multi-stakeholder programmes for government and commercial clients.

My work has included global delivery of cybersecurity and high‑trust technology programmes supporting governments, Ministries of Defence, National Cyber Security Centres, intelligence and law‑enforcement‑adjacent environments, critical‑infrastructure operators and multinational enterprises, including national detection networks and early‑warning systems.

I have led delivery across the EU, UK, Middle East, Africa, Asia‑Pacific and North America, coordinating work across jurisdictions and stakeholder groups.

Before my executive roles I worked from Dubai supporting the Middle East and Africa market entry of an Asian technology company, including preparing the regional setup, coordinating foundational pre-commercial activities and developing local partner relationships. Earlier in my career I worked for a Shanghai-based international trade company servicing European retailers, coordinating commercial and operational activities for cross-border supply work and interfacing directly with Chinese manufacturing partners.

I am Dutch and based in Amsterdam, working natively in both Dutch and English. My work is anchored in the Dutch regulatory environment, which is internationally oriented and known for clear expectations around governance, AML and operational readiness.

This background makes me a credible counterpart for regulators, banking partners and risk teams. I know how to structure their questions, present your model clearly and reduce friction in high‑stakes conversations. This is particularly relevant for non‑EU cybersecurity, defence‑adjacent and high‑trust technology vendors who need a senior presence in Europe without hiring a full local team.

Through Marengo Ventures and EU Market Access I now focus this experience on helping non‑EU companies enter and operate in Europe in a structured, realistic way.

I hold a Bachelor of Business Administration (BBA) in Management, Economics and Law from HES Amsterdam, complemented by earlier studies in Computer Networking, IT Information Management and Application Management. I am certified in PRINCE2 Practitioner, Lean Six Sigma Green Belt, Customer Success (CCSMP), ITIL 4 and as an OKR coach.

This site describes my advisory work under EU Market Access. Separately, I also take on executive leadership roles (such as COO, VP Operations or General Manager) through Marengo Ventures where that is a better fit for a company’s needs.

View my full background and experience on LinkedIn .

What this means in practice

  • 15+ years in technology and services, including executive roles as COO and VP Operations in regulated and high‑trust environments.
  • Experience delivering complex programmes for governments, Ministries of Defence, national cyber security centres, intelligence and law‑enforcement‑adjacent teams, critical‑infrastructure organisations, enterprises and financial institutions across the EU, the UK, the Middle East and Africa, Asia-Pacific and North America.
  • Comfortable sitting between founders, engineers, legal teams and regulators, keeping decisions aligned and expectations realistic.
  • Fluent in the operational realities behind regulatory obligations, from onboarding and monitoring to incident handling and governance.
  • An independent operator who complements, rather than replaces, your specialist legal, compliance and risk advisors.
FAQs

Frequently asked questions

A few common questions about the Regulatory Liaison and EU Market Access model. Happy to discuss details on a call.

Are you a law firm or compliance consultancy?

No. I do not provide legal opinions and I am not a full‑service compliance provider. I act as an independent operator who coordinates the work of your legal, risk and compliance specialists and links their advice to your product and operations.

Which regulations do you cover?

I help you navigate how EU regulatory and high‑trust expectations affect your business model. This includes regimes such as MiCA, e‑money and payment services regulation, AML, data protection and emerging EU AI requirements, as well as buyer, tendering and supervisory expectations for high‑trust and security‑sensitive vendors. For detailed interpretation and formal opinions we work with your chosen legal and compliance experts.

How do you work with our existing advisors?

I work alongside them. My role is to connect their advice to a clear plan, keep assumptions consistent and ensure internal teams understand what is required. I do not replace your advisors and I do not take over their responsibilities.

How do you charge for your work?

For obligation mapping and market access planning I typically use fixed price packages, based on an agreed scope. For ongoing liaison and oversight I work on a monthly retainer or day rate. Fees are always agreed in writing before work starts.

Can you represent us directly with regulators?

I can help you prepare for meetings and draft materials, and I frequently join sessions alongside your executives and advisors as the senior operator who understands both your business and EU expectations. Formal submissions and legal positions remain with your company and with licensed professionals, but many founders rely on me as a credible counterpart in these conversations.

What is the best time to involve you?

Ideally before you lock in a specific EU entry route or make major hiring and vendor decisions. That way we can look at your options and design a realistic sequence. In practice I also work with firms that are already part way through their journey and need to bring structure and clarity.

Do companies work with you only for regulatory reasons?

No. Many manufacturers, defence-adjacent vendors, cybersecurity firms and high-trust technology vendors work with me primarily for EU presence, banking and PSP onboarding, partner vetting and tender support. The Regulatory Liaison pillar is one part of the work. The EU Market Entry and Presence pillar is equally important and builds on my background leading national-level cybersecurity and high-trust programmes for governments, Ministries of Defence, national cyber security centres and critical-infrastructure organisations.

Can you help us if we do not need an EU licence?

Yes. A significant part of my work is with high‑trust vendors and manufacturers who do not require an EU financial licence, but who do need credible senior representation in Europe, structured introductions and support in understanding what EU buyers, banks and public‑sector bodies expect.

Do you work across all EU member states?

I operate from the Netherlands and am based in Amsterdam, working primarily from the Dutch regulatory environment. Most coordination, analysis and documentation is done in English. Where local language or jurisdiction‑specific lawyers are needed, I coordinate with your chosen specialists or help you identify suitable partners.

Can you act as our local representative in the EU?

I can act as a senior local counterpart and point of contact in the EU, coordinate meetings with banks, partners and regulators, and represent your EU effort alongside your executives. I do not act as a regulated entity or nominee director. Formal responsibilities and sign‑off remain with your company and its licensed professionals.

Do you help with banks, PSPs and payment partners?

Yes. I support you in understanding what EU banks and payment providers expect from non‑EU firms, prepare documentation and onboarding materials with your team, and help coordinate the process. I do not hold client funds or act as an intermediary. Relationships are always directly between you and your counterparties.

Can you help with public tenders and opportunity scouting?

For manufacturers and defence‑adjacent vendors I can monitor and filter relevant tenders and opportunities in the EU, and help you understand the requirements at a practical level. I do not provide legal advice on procurement law or write bids, but I can help you decide where to focus and coordinate specialist support where needed.

Do you also take on COO or VP Operations roles?

Yes. The services on this site describe my advisory work under EU Market Access. In parallel, I also take on senior leadership roles (for example COO, VP Operations, General Manager or similar) via Marengo Ventures, on an interim, fractional or permanent basis where appropriate. If you are exploring a leadership hire, you can still contact me through this site.

Discuss your EU market access questions

If you are exploring or planning EU entry for a high‑trust technology, manufacturing business or regulated product, a short introductory call can help clarify your situation and which mix of Regulatory Liaison and EU Market Entry support makes sense for you. There is no obligation and no preparation required.

Send a short summary and I will get back to you to propose a time. You can also email me at info@eumarketaccess.eu.

Manufacturers and high‑trust vendors can also contact me specifically for EU presence, banking and PSP onboarding, and tender support.

Working with me in a fractional or part‑time capacity gives you senior EU operator and general‑manager‑level support without committing to a full‑time local hire before your EU opportunity is proven.

No marketing list. No automated follow up. Just a reply to your message.