Els Verhoyen has been the Head of Savings & Investment Services at ING Belgium since May 2011. After graduating cum laude master of law at the University of Leuven and a Research Assistantship at the university of Michigan law school (Ann Arbor, USA) she joined ING (at that time still BBL) in 1988. Her previous experiences include Head of Legal & Compliance with the Asset Management Company of ING and Commercial Director for Private Banking. Her education also includes postgraduate degrees in financial management at KUL and at the Vlerick business.