After obtaining her master’s degree in Dutch Law from the University of Amsterdam, Annerie Vreugdenhil started her career as Account Manager Large Corporates with the Nederlandse Credietbank NV in 1987. In 1992 Annerie Vreugdenhil started at ING and held various positions, which revolved around maintaining and expanding relationships with clients in ING’s Wholesale Banking division, before being appointed as Head of Innovation Wholesale Banking in 2018. In the latter role she has been able to use her ability to see opportunities in all kind of situations, to challenge the status quo and to rethink services and processes. Since January 1st 2021, Annerie Heads the new business area ING Neo and acts as Chief Innovation Officer.