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Nikki de Kloe is a seasoned professional in digital transformation and product management, currently serving as the Director (Tribe Lead) for Digital Channels Personal Banking at ABN AMRO Bank N.V. since July 2022. Prior experience includes leading mobile and conversational initiatives at Vattenfall, and holding various digital product roles at Nuon and ING, where Nikki successfully optimized customer journeys and contributed to Agile transformations. With a strong educational background in International Business and languages from Inholland University and further studies at Rotterdam School of Management, Nikki has demonstrated expertise in navigating complex digital landscapes and delivering strategic business solutions across diverse sectors.