Jos Heuvelman has been a member of the Executive Board of the Dutch Authority for Financial Markets from 1 September 2018 till 1 September 2026. Within the board, he was responsible for the AFM’s supervision of the retail market. The retail market includes loans, savings, investments, insurances and pensions. He was also responsible for AFM’s supervision of Asset Management, retail and institutional.
Jos served as member of the Board of Supervisors as well as the Management Board of ESMA. He also chaired the standing committee Senior Supervisors Forum.As of September 2026, Jos was appointed Senior Advisor of the Executive Board of the AFM. In that capacity he is alternate member of the Board of Supervisors of ESMA and chair of the SSF.
Jos worked at the Dutch Central Bank (DNB) as central banker and as supervisor of the financial sector for (nearly) 33 years. Prior to his appointment at the AFM, Jos was the division director of the Supervision of European Banks. Within the Single Supervisory Mechanism, his division at DNB was responsible for the day-to-day supervision of the six big Dutch banks. Jos held a range of management positions in different supervisory divisions, at both national and international level. In these positions, he dealt with banks, insurers, pension funds, investment companies and portfolio managers, among other things. Jos played an instrumental role in various major changes within DNB, including the introduction of the European banking union. He also headed up various international working groups.
Jos studied econometrics in Groningen, economics in Amsterdam and obtained a Master’s degree in financial risk management at the NYU Stern School of Business.