Joren Scharn serves as the Lead Digital Strategy & Innovation at Rabobank Groep, focusing on digital transformation in wholesale, retail, and rural international sectors since May 2019. Previously, Joren held significant roles at USAA, including LD Enterprise Strategy & Architecture and Lead Consultant Customer Strategy, where strategic business transformations were successfully executed. Joren's expertise spans customer strategy initiatives at Peppers & Rogers Group, where notable client satisfaction ratings were achieved, and a Principal Consultant role at Nedbank, which improved client retention metrics. Additional experience includes program management at Absa Bank and consulting roles at ABN AMRO, Accenture, and the Royal Bank of Scotland, showcasing a solid foundation in driving customer-centric strategies and operational enhancements. Joren holds advanced degrees in Business Administration, including a PhD from the University of the Incarnate Word, and has specialized training in Customer Relationship Management.