That’s what the soap is for. I guess that just rinsing in warm would be better than just rinsing in cold, but neither is particularly effective.

From the CDC: “Is it better to use warm water or cold water? Use your preferred water temperature – cold or warm – to wash your hands. Warm and cold water remove the same number of germs from your hands. The water helps create soap lather that removes germs from your skin when you wash your hands. Water itself does not usually kill germs; to kill germs, water would need to be hot enough to scald your hands.”

https://www.cdc.gov/handwashing/faqs.html#:~:text=Is%20it%20better%20to%20use,when%20you%20wash%20your%20hands.