Ralph van Houten

Ralph van Houten is an experienced professional in the financial services sector, currently serving as a Senior Customer Journey Expert and Lead Product Owner at ING since May 2019, where responsibilities include managing the SEPA Credit Transfer payments engine and leading initiatives for Instant Payments. Prior to ING, Ralph held various roles at Aegon Asset Management, including Product Owner of Client Reporting and Senior Change Manager, where Ralph led a DevOps team in delivering significant reporting functionalities. Earlier experiences include portfolio management and project leadership at the Royal Bank of Scotland, management consulting at DCE Consultants, and business analysis at MTI Consulting, with a strong focus on strategic initiatives and operational improvements. Ralph holds a Master of Science in Business Sciences from Radboud University and possesses a diverse background in banking, asset management, and consulting.