Bart Horsten is Chief Operations Officer Netherlands at Rabobank and is a member of the Retail NL Management Team. Previously he was a.o. responsible for customer services and advise for 8m private clients in the Netherlands. In his current role, he is responsible for all operational activities for both private and business clients in all product domains. Bart plays a central role in the ongoing simplification and digitalization of Rabobank’s Dutch retail organization. With a strong focus on customer centricity and process optimization, he is driving efforts to realize a near-zero touch operations organization.