Rost van Tonningen: “It’s about having the right conversation.” Posted on March 3, 2025 at 1:35 pm.Written by Roeland Jongejan Laws and regulations are constantly changing. The context is dynamic. Situations frequently arise where a careful and explainable decision must be made, considering all stakeholders. But how do you put this into practice, especially in the financial sector? By Roeland Jongejan According to Françoise Rost van Tonningen, the new chair of DSI’s Integrity Advisory Committee and former Head of the Global Ethics Office (formerly Ethics Office) at Rabobank, integrity is not just about following rules. It is primarily about having the right conversation. “Both complying with regulations and encouraging discussions about dilemmas contribute to creating more ethical organizations.” Rost van Tonningen takes over the role from Jos Hillen, who has fulfilled the position with dedication in recent years. DSI thanks Jos Hillen for his active contribution, using his knowledge and experience to help advance integrity within the sector. Françoise Rost van Tonningen, Chair of the DSI Integrity Advisory Committee The power of ethical reflection Rost van Tonningen views integrity and ethics as an ongoing process. “Integrity is about acting honestly, reliably, and responsibly. In addition to complying with laws and regulations, fostering ethical reflection is crucial. It means actively discussing dilemmas and considering moral choices. What is possible and permissible—but is it also desirable? It is precisely in gray areas that organizations have the opportunity to demonstrate their values. This also applies to new developments without a legal framework, where a position still needs to be taken.” An effective way to strengthen this culture is to encourage dialogue and awareness. “Many organizations have ethics committees and hotlines where employees can seek advice. Additionally, structured approaches, such as dilemma training and case discussions, help employees develop ethical decision-making skills. Prior ethical deliberation, or moral consultation, creates ‘moresprudence’—a valuable collection of insights that guide future decisions on similar issues.” According to Rost van Tonningen, this approach fosters a more ethical organization. “Not by dictating what is right or wrong, but by facilitating conversations. It is through these discussions that the best course of action becomes clear. By first making all perspectives and arguments explicit, well-considered decisions can be made. Sometimes, this process also reveals that certain policies or procedures are difficult to implement in practice. These conversations help find workable solutions.” Current challenges: responsible AI and geopolitics The challenges facing the financial sector have evolved significantly in recent years. Digitalization and responsible AI introduce new ethical questions. “If an investment fund is fully managed by an algorithm, who holds the responsibility? Who asks the ethical questions?” Geopolitics also plays an increasingly significant role. “Ten years ago, the ethical implications of investments or business presence in certain countries were barely discussed. Now, these issues are firmly on the boardroom agenda. Banks and investment funds must not only consider what is legally possible and permissible, but also what is ethically desirable. This is an ongoing ethical conversation that organizations must engage in.” Where is the biggest resistance? Although more companies recognize the importance of integrity, real-world practice remains challenging. “Pressure to meet targets, high workloads, and the drive for commercial success often make it difficult to address ethical dilemmas. If employees are only required to tick boxes, there is little room for reflection. Yet, reflection is essential for making well-informed decisions that can provide financial benefits or positively impact an organization’s reputation.” Collaboration across departments is crucial. “Different perspectives and responsibilities must be considered. The key is to ensure there are no silos, allowing for a holistic approach to ethical conduct. This is also essential for the organization’s long-term success. To inspire employees, it helps to share best practices.” DSI’s role: dialogue as the key Rost van Tonningen sees a vital role for DSI in facilitating discussions on integrity within the financial sector. “DSI is uniquely positioned to bring the industry together. Certification and professional competence provide the foundation, but the real impact comes from creating space for honest conversations about integrity in daily work.” How does DSI contribute? “What I appreciate about DSI is that they go beyond certification. Professionals affiliated with DSI are required to complete an integrity module as part of their certification. This ensures that knowledge and experience with integrity dilemmas are not just part of professional competence but also a structured topic of discussion within the industry. That is essential because ‘one individual may be certified and motivated to act with integrity, but if the organizational culture does not support this, it becomes much more difficult,’ says Rost van Tonningen. Addressing current integrity challenges She notes that DSI has become increasingly active in facilitating discussions on pressing integrity issues. “Last year, DSI focused on greenwashing, allowing professionals from various sectors to share their experiences and dilemmas. This year, the focus is on sustainable finance and digitalization—topics that are becoming more relevant to financial professionals. I see this as a positive development. There is a lot of discussion about the technology behind digitalization and responsible AI, but ‘there should be more dialogue on the integrity and ethical dilemmas involved. This is both a challenge and an opportunity to implement new technologies responsibly.'” What should professionals do when they encounteriIntegrity issues? According to Rost van Tonningen, it is essential for financial professionals to not only know the rules but also understand where to turn when they encounter integrity concerns. “Ideally, ethical dilemmas should be discussed early within an organization, so that a well-reasoned and explainable position can be reached. Prevention is better than cure, and integrity should be a regular topic of discussion within teams and at the board level.” However, if a situation goes beyond an internal dilemma and may constitute a breach of integrity, financial professionals can report it to DSI. This process follows the DSI Code of Conduct and can lead to disciplinary proceedings. “This not only helps to address misconduct but also strengthens the financial sector as a whole,” says Rost van Tonningen. A call to action for the sector Rules and oversight alone are not enough to ensure a sustainable and ethical sector. Rost van Tonningen sees integrity as a shared responsibility between companies, regulators, and organizations like DSI. “We must move beyond simply checking boxes. Integrity is strengthened through open discussions. What seems obvious to you may not be obvious to your colleague. What do we truly value? And how do we ensure we are not just compliant, but also acting ethically?” Her message to professionals in the sector is clear: “Dare to engage in these conversations. Discuss difficult issues early on, ask questions, and challenge each other to think beyond the letter of the law—if one even exists. Only then can we earn the trust of society as a sector.” DSI thanks Jos Hillen With the appointment of Françoise Rost van Tonningen as the new Chair of the Integrity Advisory Committee, DSI bids farewell to Jos Hillen in this role. DSI is grateful for his dedication and active contribution to the work of DSI over the past years, both as a member of the Integrity Advisory Committee and previously as Chair of the DSI Disciplinary Committee. His knowledge and experience have played a key role in strengthening the dialogue on integrity within the financial sector.
New rulings by the DSI Disciplinary Committee Posted on March 3, 2025 at 1:17 pm.Written by Roeland Jongejan DSI has recently published two disciplinary rulings. In one case, the DSI Disciplinary Committee upheld a complaint about a conflict of interest involving a Senior Investment Manager but did not impose a sanction. DSI has appealed this decision. In another case, a complaint against an investment advisor for not adhering to the investment policy was dismissed. Read the full article for more details. DSI complaint on (apparent) conflict of interest upheld, other allegations dismissed On August 27, 2024, the DSI Disciplinary Committee issued a ruling in a case against a Senior Investment Manager employed by an investment firm. In its complaint, DSI argued that the certified professional had failed to comply with the internal investment policy of their employer. Additionally, DSI alleged that the respondent had provided investment services through their own company without an AFM license. Finally, DSI pointed out that the respondent had not properly separated their business and personal interests. The Disciplinary Committee upheld DSI’s complaint regarding the conflict of interest but dismissed the other allegations. The committee decided not to impose a sanction on the certified professional. DSI has filed an appeal with the DSI Appeals Committee against this ruling. View the ruling DSI complaint on non-compliance with investment policy dismissed On August 27, 2024, the DSI Disciplinary Committee issued a ruling in a case against an investment advisor working as a tied agent for an investment firm. DSI argued in its complaint that the certified professional had failed to comply with the firm’s internal investment policy. The Disciplinary Committee dismissed DSI’s complaint. View the ruling Report integrity issues confidentially to DSI Do you have an integrity-related question or want to report a possible violation of the DSI Code of Conduct? You can confidentially submit a report to DSI regarding integrity matters. This not only helps to address misconduct but also contributes to a stronger and more ethical financial sector. Reporting can also have a preventive effect. Report Integrity Issues
Partner in Compliance accredited for the AML Register. Posted on February 5, 2025 at 1:24 pm.Written by Roeland Jongejan The DSI Accreditation Committee has officially accredited the KYC Analyst Program by Partner in Compliance for the DSI AML Register. This accreditation confirms that the program meets the quality standards set by DSI for professionals in Anti-Money Laundering (AML) and Customer Due Diligence (CDD). With this recognition, Partner in Compliance joins ACAMS, VU, the Netherlands Compliance Institute, and The Ministry of Compliance as an accredited training provider for the register. More information about the program The DSI AML Register was established to recognize professionals with proven expertise in an independent register. Employers and clients can trust that registered professionals meet high standards of quality and integrity. More information about the register can be found at www.dsi.nl/aml. The KYC Analyst Program is taught by experienced specialists and offers professionals the opportunity to further develop their expertise in this field. For more details or to register, click here. An overview of all accredited training providers can be found here. For questions or additional information, please contact DSI or Partner in Compliance.
AFM and DSI extend competency agreement Posted on December 4, 2024 at 10:54 am.Written by Roeland Jongejan The AFM and DSI have extended their agreement on professional competency. This agreement, in place since 2018, focuses on employees who provide investment advice or information. The extension is tacit and valid for two years, with no changes to the content. Floris Mreijen – Director DSI “The extension of this agreement highlights the importance of professional competency in the investment sector,” says Floris Mreijen, Managing Director of Stichting DSI. “It reinforces our shared commitment to ensuring quality service in the sector. By joining DSI, organizations can rely on us to take care of compliance requirements.” DSI-Certified professionals are demonstrably competent The agreement aligns with MiFID II requirements and guidelines from the European regulator ESMA. These standards stipulate that relevant persons—employees who inform or advise on investments—must be demonstrably and continuously competent. The AFM views competent personnel as essential for careful customer treatment and high-quality services in the investment sector. “We are very pleased with the continuation of this agreement,” Mreijen continues. “DSI certifications are an industry initiative aimed at building trust. The AFM’s recognition confirms the quality and added value of DSI registration.” Always up-to-date with ‘Continuing Professional Education’ Under the agreement, the AFM and DSI have stipulated that only individuals meeting ESMA guidelines are eligible for inclusion in the DSI ESMA registers. After registration, professionals are required to maintain their knowledge. DSI supports this through the ‘Continuing Professional Education’ program, based on annually updated learning objectives. Training providers develop their programs based on these objectives, ensuring that certified professionals continuously meet the required standards. The AFM acknowledges that professionals listed in the DSI ESMA registers meet competency requirements. Currently, approximately 4,100 professionals are certified in one of DSI’s seven ESMA registers. Broad responsibility for organizations For financial institutions, DSI registration demonstrates that their employees are competent. However, ESMA guidelines also impose broader organizational requirements, such as implementing internal policies and procedures and ensuring employees adhere to them. DSI registration is not mandatory. Organizations opting not to register with DSI can demonstrate their employees’ competency directly to the AFM. However, the DSI-AFM agreement simplifies compliance with ESMA guidelines for businesses in the sector. Most organizations subject to ESMA guidelines are affiliated with DSI. Additional Information AFM Press Release – click here AFM-DSI Agreement – click here ESMA Guidelines – click here MiFID II – click here
The DSI Public Register has been updated Posted on November 28, 2024 at 11:36 am.Written by Roeland Jongejan The DSI Public Register website is now faster, more user-friendly, and features improved search functionalities. You can easily find the registration number, certification status, PE-status, and the organization of DSI-registered professionals. Explore all updates through the DSI Public Register. In the DSI Public Register, you can check if a professional is DSI-certified. This allows you to easily verify if a professional who works in the financial sector meets our standards in terms of knowledge, competence and integrity. You can also see the organisation they work for and if any disciplinary actions have been taken against them. In this way, the register contributes to a transparent, trustworthy and competent financial sector. In collaboration with the sector The Public Register has been developed in close cooperation with businesses and trade associations within the financial industry. Since 1999, DSI has listed professionals across various registers, which are frequently updated to meet the shifting demands of the market and new regulatory standards. This ensures the register is a trusted and up-to-date resource for both professionals and consumers. Who can be found in the register? The register includes both certified and candidate-certified professionals. Both groups comply with the DSI Code of Conduct, committing themselves to the highest standards of integrity and competence. What does a DSI certification involve? A DSI-certified professional meets the entry requirements of one or more DSI registers. DSI maintains a total of 12 registers, each focused on specific disciplines within the financial sector. Certified individuals are always up-to-date on the latest laws and regulations, are equipped to handle integrity issues and possess the required education and work experience. To keep their knowledge current, they participate in the annual DSI Continuing Professional Education program. What is a candidate-certified professional? A candidate-certified professional adheres to the DSI Code of Conduct but may still need to complete (part of) the educational and/or experience requirements necessary for a full DSI certification. Why work with a DSI professional? Choosing a DSI-certified professional means working with someone who meets the highest standards in knowledge, skills and integrity. These professionals undergo thorough screening, have the necessary work experience and complete mandatory training to keep their expertise up to date. Any sanctions imposed by the DSI Disciplinary Committee are also listed in the register, ensuring you are always fully informed and can trust a professional who operates with integrity and expertise.
Celebrating 25 Years of DSI Posted on October 22, 2024 at 2:18 pm.Written by Roeland Jongejan 25 Years of DSI: An afternoon of inspiring talks and innovative (AI) art On Friday, 4 October, we celebrated the 25th anniversary of Stichting DSI, and we proudly look back on an inspiring day filled with insights, engaging discussions, and meaningful encounters. The event, held at the Beursgebouw in Amsterdam, focused on two key themes: the rise of digitalisation and Artificial Intelligence (AI), and the important role of the investment industry in sustainability. With insightful contributions from renowned speakers and experts, we explored the latest trends and discussed the challenges facing the financial sector. Inspiring Keynotes Keynote speakers such as Jos Heuvelman (AFM), Jorissa Neutelings (ABN AMRO), and Erik van Houwelingen (Van Lanschot Kempen) shared their insights with the audience. Jos Heuvelman congratulated us on our 25th anniversary and thanked us for the close collaboration with the AFM, particularly in the area of professional competence and integrity in the financial sector. He discussed new challenges such as digitalisation and the role of AI in finance. Heuvelman warned about the risks of AI, such as bias in algorithms, but also acknowledged the opportunities for fraud detection and improving efficiency. He stressed the importance of skilled and ethical advisors, especially in an increasingly digital world, and praised DSI’s role in promoting quality and trust in the sector. Jos Heuvelman’s full speech can be read here. Erik van Houwelingen shared his personal journey in thinking and acting on sustainability, providing concrete examples of how Van Lanschot Kempen addresses this, such as by working with a fully regenerative agricultural company that produces olive oil. He challenged the audience to reflect on what personally drives them, considering the importance of future generations, and to act on that. This could also be on a small scale, within one’s personal sphere of influence. Jorissa Neutelings engaged the audience in a discussion about the major trends that everyone in the financial sector should follow to remain successful in serving clients. The development of AI plays a key role here, from conversational AI to generative AI. Automation must be central in service models, where clients increasingly demand hyper-personalised service, based on experiences from other digital services. Security is paramount, with the bank as a vault for all your data offering opportunities. Finally, the sector needs to think more in terms of ecosystems, where parts of the service can be integrated in collaboration with third parties. In a time of increasing polarisation and decreasing trust in large institutions, integrity and a spotless track record are crucial. Panel Discussion on Sustainability At the anniversary event, an inspiring panel discussion on sustainability in the financial sector was held, based on the recently published DSI whitepaper “Greenwashing: Let’s be Real”, released in October this year. An expert panel, consisting of Harald Walkate (Route 17 / University of Zurich), Carola van Lamoen (Robeco / Eumedion), and Erik van Houwelingen (Van Lanschot Kempen), explored some thought-provoking questions: What exactly do we mean by greenwashing? How can we effectively integrate elements such as “additionality” into labels or disclosure regulations? And how do we create an honest dialogue with consumers about what they can expect from the financial sector in addressing societal issues? Event Highlights For those who missed the event or wish to revisit it: presentations and photos are now available on our website www.dsi.nl/jubileumevent. We also presented three fantastic AI artworks from the AI Gallery in Amsterdam, creatively portraying our themes: integrity, sustainability, and digitalisation in the financial sector. Explanations of these works can be found at www.dsi.nl/ai-artworks.
Highlights 2023: DSI annual report Posted on June 13, 2024 at 10:36 am.Written by Roeland Jongejan The year 2023 was a year of executing our new strategy at DSI. Established at the end of 2022, this strategy consists of three pillars: operational excellence, broadening and deepening of our registers, and awareness & thought leadership. These pillars aim to develop DSI into a sector platform for integrity and competence. Download infographic 2023 Operational excellence In 2023, we continued enhancing operational excellence within our organization. Early in the year, we implemented Office365 and completed office reorganization. Following customer satisfaction surveys, we identified and implemented various improvements to the certification process and Continuing Professional Education. We are delighted to see increased appreciation for DSI’s services in the survey results, providing us with encouragement to continue our current trajectory. Additional initiatives included introducing a brochure for new participants and developing a landing page for our major clients. In the summer, we launched digital certificates for each certified professional, facilitating easy validation of professional skills, such as sharing on LinkedIn. In September, we held the inaugural meeting of the “DSI Klankbordgroep”. This group provides constructive criticism on organizational development and shares experiences with our services. Efforts were also directed towards further modernizing DSI’s IT infrastructure, with preparations underway for the introduction of a new CRM system in early 2024. Expansion and deepening of Registers Our focus on expanding and deepening our registers primarily centered on revamping the integrity module, mandatory for all new certifications at DSI. The content of this module was entirely revised in the first half of the year in collaboration with the Integrity Advisory Committee. From September 2023, this new module is offered through the Compliance Institute. Additionally, the Accreditation Committee evaluated the 2022 PE program and updated the compliance register’s learning objectives. Preparations were also made in 2023 for the introduction of a new register in 2024, specifically for AML professionals. (This register has since been launched in June 2024.) Awareness & Thought Leadership Positioning DSI within the realms of awareness and thought leadership constitutes the third pillar of our strategy. Throughout June, September, and November, we organized three roundtable discussions on the theme of greenwashing. Gathering input from legal/compliance, marketing/communication, and investment perspectives, the outcomes were compiled into a whitepaper published in early 2024. In 2023, our use of LinkedIn was also intensified to purposefully disseminate relevant content to our audience. Download infographic 2023 Governance and funding As a culmination of the reorganization undertaken in 2021 and 2022, the DSI board decided in 2023 to adjust both governance and funding structures. From October 2023, DSI operates with a managing director and a supervisory board. This new governance model introduces a streamlined and agile governance structure better suited to our organizational size. Furthermore, industry associations, previously represented on the DSI board, now hold a more logical position within this model. They are statutorily designated as key stakeholders with whom annual discussions are held on ongoing activities, as well as future policies and budgets. We extend our heartfelt thanks to the board members for their dedication to DSI over the past years. The new Supervisory Board comprises Tanja Nagel (Chair), Jaco Aardoom, Theo Andringa, Erik Luttenberg, and Daniëlle Melis. Together, they bring significant sector experience, forming a crucial part of our new governance structure. In 2023, efforts were also focused on implementing a new funding model effective January 1, 2024. Under this model, certification fees are now paid annually per participant based on their average number of certifications over the past three years. Customers receive only one invoice per year under this new system, eliminating additional charges for new certifications or changes throughout the year. Explore the full year overview and all highlights via the 2023 Annual Report Infographic. Floris Mreijen Managing Director DSI
Celebrating a milestone: 25 Years of DSI Posted on June 7, 2024 at 10:23 am.Written by Roeland Jongejan In 2024, we are celebrating a special milestone: DSI turns 25. Since our establishment in 1999, we have dedicated ourselves with great energy to fostering a reliable and integral financial sector. Together with our partners, dedicated professionals, and enthusiastic volunteers, we have witnessed the sector evolve and have actively contributed to the growth and enhancement of integrity and expertise. To mark this occasion, we invite you to explore a unique collection of personal stories and videos. On our special anniversary page, www.dsi.nl/25jaar, we have highlighted the milestones of our journey over the years. Here, you will find a rich timeline filled with inspiring stories, videos, and old media reports illustrating 25 years of DSI’s development. Take a look at the past, where we laid the foundation for improving trust in the financial sector. Experience the present, where we continue to work daily on integrity and expertise. And discover our vision for the future, where we strive for a sector where trust and professionalism are central. Curious about the highlights of 25 years of DSI? Explore the stories and videos at www.dsi.nl/25jaar. Our special thanks go to George Möller, Margherita Noto, Maurice Wiersma, Rein Pijpers, Mark van der Lecq, Clemens Spoorenberg, Wim Mijs, Floris Mreijen and Tanja Nagel for their valuable personal contributions to this wonderful collection. Celebrate DSI’s 25th anniversary with us on October 4th! This year, we are also celebrating our 25th anniversary with a special event. On October 4th, we invite professionals from the financial sector to the historic Beursgebouw in Amsterdam. With only 100 available places, we are creating an intimate setting where interaction and collaboration take center stage. Don’t miss this unique opportunity! Register now via this link for our anniversary event and celebrate 25 years of Stichting DSI with us.
DSI launches the AML register Posted on June 2, 2024 at 8:47 pm.Written by Roeland Jongejan Today, June 3, 2024, DSI will launch the DSI Anti Money Laundering (AML) register. With this, we are taking an important step towards increasing the trust and competence of professionals in the AML sector. This initiative is the result of close collaboration between AML professionals in the financial sector, leading educators, and DSI. “With the launch of this new DSI register, we provide a uniform solution for registering the knowledge and integrity of AML professionals working in the financial sector. Certified professionals thus demonstrate their competence,” said Floris Mreijen, Executive Director at DSI. DSI Accredited Educators: VU Amsterdam and ACAMS To complete a registration, AML professionals must have completed training with a DSI-accredited educator. The DSI Accreditation Committee, in collaboration with experts from the DSI Advisory committee on Compliance Professionals, has accredited two educational institutions: VU Amsterdam and ACAMS. Other educators may follow in the near future. Floris Mreijen, managing director of DSI, signs the DSI accreditation for the FEC-Risk Expert program at VU Amsterdam together with Tom Loonen, professor and program director of FEC-Risk Expert. VU Amsterdam: Certified FEC-Risk Expert “This accreditation is an important recognition by the DSI Accreditation Committee that our program meets stringent quality criteria,” says Tom Loonen, Program Director of FEC-Risk Expert at VU Amsterdam. “We are therefore pleased that our students can be directly admitted to this register.” Click here for more information about the FEC-Risk Expert program at VU. ACAMS: CAMS-Certificering “It is a distinct honor and responsibility for ACAMS to be appointed an accredited DSI educator. This designation provides ACAMS-trained anti-financial crime professionals in the Netherlands with further recognition, demonstrating their high level of competency and commitment. We applaud the launch of the DSI Anti-Money Laundering (AML) register, which sets a new industry benchmark, and thank DSI for entrusting ACAMS with this important mandate.” – Neil Sternthal, CEO of ACAMS. Click here for more information about the CAMS certification from ACAMS. Demonstrable competence via the DSI AML Register Registration in the AML register confirms that a professional meets the high uniform competence requirements of both DSI and the sector itself. Additionally, registration offers various benefits to both the professional and their employer: Recognition: With DSI certification, professionals distinguish themselves as qualified AML experts in the financial sector. Demonstrable competence: With certification from DSI, you are demonstrably competent to clients and colleagues via the DSI Public Register. Integrity: DSI stands for integrity in the financial world, and our certification highlights the professional’s commitment to this important principle. Career opportunities: With DSI registration, professionals enhance their chances for career development and new growth opportunities in the financial sector. Professional development: Certified individuals continue to develop through access to the DSI Continuing Professional Education program. How can professionals register? The certification process at DSI is simple and transparent. Registration is always done via our website. Interested parties can also read the conditions that a professional must meet to be fully DSI certified. Interested? For more information about the register or to sign up, please contact DSI via email at certification@dsi.nl or call us at (+31) 020-620 12 74. You can also find all the details on our website: www.dsi.nl/en/aml.
Celebrate the DSI anniversary event Posted on March 25, 2024 at 8:41 pm.Written by Roeland Jongejan On October 4, 2024, we celebrate a milestone: the 25th anniversary of Stichting DSI! For a quarter of a century, we have been dedicated to strengthening and maintaining public trust in the investment sector. And we’re going to celebrate that! Expertise and integrity: our pillars for your success In a world where the financial sector is constantly evolving, one thing remains constant: the crucial role of the professional. At Stichting DSI, expertise and integrity have been at the forefront for 25 years. This forms the solid foundation of our upcoming DSI event on October 4 at the Beursgebouw in Amsterdam. Sign up for the event here! Register here! Discover the future of investing: digitization and sustainability During our anniversary event, we will focus on two key themes: the rise of digitization and Artificial Intelligence (AI), and the role of the investment industry in sustainability. We have three inspiring keynote speakers: Jos Heuvelman from AFM, Jorissa Neutelings from ABN AMRO, and Erik van Houwelingen from Van Lanschot Kempen. Together with them and an interactive panel, we will delve into current developments with a strong emphasis on integrity and ethics. As AI and algorithms take over the role of investment advisors, questions arise: how do you ensure ethics? And how can you be certain that investment products are genuinely green and not just greenwashing? These pressing questions will be at the heart of our discussions. Meet our key-note speakers Jos Heuvelman joined the AFM Board on September 1, 2018. He is responsible for overseeing the retail market, including lending, saving, investing, insurance, and pensions, as well as asset management. Heuvelman is also active at ESMA. Previously, he spent over thirty years at De Nederlandsche Bank (DNB), where he held various management positions and supervised large banks. His extensive experience in financial supervision now strengthens the AFM. Jorissa Neutelings is the Chief Digital Officer (CDO) at ABN AMRO Bank. She is responsible for Digital Customer Experience, Digital Innovation, Data & Analysis, and the Design & Build of all digital channels. The common thread in her career is the customer. Her mission is to build lasting customer relationships in a sustainable way to optimize value for both the customer and the organization. She views digitization as the key route to helping customers more simply, quickly, and personally. Erik van Houwelingen is on the Executive Board of Van Lanschot Kempen and is Chairman of the Executive Board of Kempen Capital Management. Additionally, he is Vice-Chairman of Dufas. He has extensive experience in asset management and pensions, with a strong focus on the transition to sustainable investing being a major priority for him. We will soon announce the names of the panel members. An intimate setting for valuable interaction With only 100 available spots, we provide a setting where interaction is key. Each attendee can make a valuable contribution to the discussions and work together on the challenges within our sector. Seize this unique opportunity to participate and sign up now for our anniversary event on Ocotber 4 and celebrate 25 years of Stichting DSI with us!