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Carlo Smits is an accomplished professional with extensive experience in risk management, operational management, and compliance across various organizations, particularly within the banking and insurance sectors. Currently serving as Manager Risicomanagement en Programma Business/IT at VCN Verzekeringen, Carlo oversees quality management and relationship management with insurance partners while advising the executive board. Previous roles include Operationeel Directeur VCN, Directeur Bedrijfsvoering en Particulieren at Rabobank, and various directorial positions at multiple Rabobank branches. Carlo holds an MBA from Nyenrode Business University and has undertaken further education at prestigious institutions such as HEC Paris and London Business School. Knowledgeable in GAAP, IFRS, governance, and risk regulations, Carlo has a proven track record of improving financial performance and successfully managing change initiatives within organizations.