Jacoba Sieders is an all-round Digital Identity and Information Security expert with18 years of experience in consultancy, development, and strategy on the topic of IAM. Before joining ABN AMRO as the leading expert for digital identity services and access control for customers, employees and partners, she worked on the topic at ING Group and Rabobank International. Major themes on her agenda today are API-banking and Payment Services Directive 2 requirements, but also data centric security, the interaction of the Identity & Access Management (IAM) systems with the rest of the bank’s cybersecurity landscape, and the new authentication concept for which ABNAMRO is acquiring a patent. Her special interests are legal requirements impacting identity and secure access, e.g. Generic Data Protection Regulation, the EU e-IDAS scheme for digital identity, and KYC and AML legislation. Jacoba is Advisory Board member of the independent European think-tank ID-Next and is regularly speaking on the topic of IAM at expert congresses.