Carel ter Ellen has extensive experience in the financial services industry, currently serving as Business Manager Legal Affairs and Program Manager for KYC Financial Institutions globally at Rabobank since January 2016. In this dual role, Carel leads a team responsible for reviewing the Client Due Diligence (CDD) process for financial institutions worldwide, focusing on anti-money laundering efforts. Carel's tenure at Rabobank International began in 1996, where responsibilities included Head of Private Investment Products Benelux, Senior Vice President of Structured Retail Products, and others, emphasizing structured products and private placements. Prior experience includes teaching business courses at NIBE-SVV and roles in trading at BNG. Carel holds a Bachelor's degree in Business Economics from The Hague University of Applied Sciences and has completed various professional education programs.