Koen Thuis is the Head of Cash Policies & Oversight for the Dutch National Bank.  Before joining the Dutch Central Bank, he worked for Rabobank, a commercial bank in the Netherlands, for 20 years in various managerial positions. He is an expert on change, behavior studies, finance and running the cash cycle in a declining market. In his job he is  also responsible for the project to establish ATM’s on the Caribbean Islands St. Eustatius and Saba. In Europe, he is a Banco member for the ECB.