gouvernance du groupe ccf

Our governance

Continuity, expertise, credibility

Niccolo Ubertalli
Niccolò Ubertalli
CEO

I am delighted to have joined the My Money Group teams last January. I thank our shareholder, our Chairman Chad Leat and our Board of Directors for their trust.

The year 2023 is intense and rich in projects, I am confident that we will achieve our objectives thanks to the resilience and commitment of our teams, as well as to the choices that have been made in terms of strategy and investments.
Our values ​​of adaptation, entrepreneurship, performance and cohesion have never been so meaningful and guide us on a daily basis.

Alongside our solid commercial and financial performance, we continue to play our important role as a responsible employer and continue to invest to better serve our customers and partners.
Many actions have been taken to accelerate our transformation of our historical activities and to make the integration of the retail banking activities of HSBC France a success. On this last point, key steps have been taken, such as the signing of the memorandum of understanding with HSBC, the establishment of a team dedicated to integration and the decision to relaunch the CCF brand. This will now allow us to finalize the final integration steps.

I would like to sincerely thank all the employees of My Money Group who do a remarkable job on a daily basis, as well as our partners and customers for their trust and loyalty. We now look forward to building the Group of tomorrow.

Niccolò Ubertalli

The Board of Directors is made up of 8 experienced members. It determines the directions
the Bank's strategies and oversees their implementation.

photo de chad leat

Chad LEAT

Chairman of the Board of Directors

Chad LEAT

Chairman of the Board of Directors

Chad A. Leat is a former Vice President of Global Banking at Citigroup. He has nearly 30 years of experience in the markets and in Wall Street banking. He is recognized as a leader and innovator in corporate lending and M&A finance, having led some of the largest acquisition financings ever completed. Over the years, he has built and led many successful and profitable businesses at Citigroup, JPMorgan Chase and their predecessors.

Sylvie MATHERAT

Sylvie MATHERAT

Administrator

Sylvie MATHERAT

Administrator

Sylvie Matherat has over thirty years' experience in the public and private financial sectors.  She began her career in the general inspection department of Société Générale before joining the Commission bancaire (now ACPR, Autorité de contrôle prudentiel et de résolution) in 1987. She returned to the ACPR in 1995, where she held various management positions. She joined the Banque de France in 2007 as Director of Financial Stability before being appointed Deputy Director General in charge of Operations. In this capacity, she represented France on the Basel Committee (2006-2014), as well as on other G20 committees, and took part in the overhaul of financial regulation following the 2007-2008 crisis. In 2016, she was elected Vice-Chair of the Global Financials Market Association (GFMA), which represents the interests of banks active in capital markets at global level, and took over its Presidency in 2018. In 2019 and 2020, she will take part in the work of the High Level Forum (HLF) on capital markets at the European Commission. A Chevalier of the Légion d'honneur and the Ordre national du Mérite, Sylvie Matherat has been Senior Advisor to the Mazars Group since 2021 for the development of its financial advisory activities.

Beatrice de Clermont Tonnerre

Béatrice de CLERMONT TONNERRE

Administrator

Béatrice de CLERMONT TONNERRE

Administrator

Béatrice de Clermont Tonnerre began her career at Lagardère as an analyst at Matra Marconi Space, then in the Group's strategy and mergers and acquisitions department. In 2013, she joined Google as Director of Monetization for Southern Europe, before becoming Director of Artificial Intelligence Partnerships in 2018. Subsequently, Béatrice de Clermont Tonnerre became an investor, member of the Executive Committee and senior advisor to Kayrros, a start-up awarded by the 'French Tech - Green 20' programme. She was also a member of the Board of Directors of SES - Société Européenne de Satellites (Luxembourg), and Klépierre (France).
Béatrice de Clermont Tonnerre has been Managing Director of Microsoft France (Public Sector) since 2022. A Chevalier de l'Ordre National du Mérite, she is also a member of the Board of Directors and Chairwoman of the Nomination and Governance Committees of the PRISA media group (Spain).

Francoise Mercadal

Françoise MERCADAL DELASALLES

Administrator

Françoise MERCADAL DELASALLES

Administrator

Françoise Mercadal-Delasalles has a wealth of experience in finance, at the crossroads between the senior civil service and the private sector, and solid expertise in digital technology.
Particularly sensitive to the social challenges of digital transformation and inclusion, she has been appointed Chair of the Conseil National Numérique after six years of commitment.
A Chevalier of the Légion d'Honneur and Officier du Mérite Agricole, Françoise Mercadal-Delasalles is also a member of the Boards of Directors of Inria (Institut National de Recherche en Sciences et Technologies du Numérique), Société Diot-Siaci and Société Attijari Wafa Bank (since 2022). She is also a member of the Board of Directors of Eurazeo and of the Audit, Finance, Appointments and Remuneration Committees.  

Avid MODJTABAI

Avid MODJTABAI

Administrator

Avid MODJTABAI

Administrator

Avid Modjtabai holds a Bachelor's degree in Industrial Engineering from Stanford University (1983) and an MBA in Finance from Columbia University (1988). Throughout her career, she has been recognised by a number of specialist magazines, including American Banker, The San Francisco Business Times and Bank Technology News, for her financial expertise, innovation and influence. After working as a consultant for McKinsey & Company, where she specialised in the financial services industry, she joined Wells Fargo & Co, one of the leading US banking groups. Over the course of her twenty-seven year career, she held various management positions, including Head of Consumer Lending, Chief Information Officer, Director of Technology and Operations, and Director of Human Resources, before being appointed Senior Executive Vice President, in charge of Payments, Virtual Solutions and Innovation. In 2014, Avid Modjtabai joined the Board of Directors of Avnet, a US electronics distribution company, and in 2020 the Board of Directors of Prologis, the leading owner, operator and developer of logistics real estate in France.

Photo Isabelle Goiri

Isabel GOIRI

Administrator

Isabel GOIRI

Administrator

Isabel Goiri is currently an independent advisor, following a successful career in banking and asset management where she worked for leading names in their fields.  Her skills range from portfolio management and financial markets, through to finance and risk management. She has a keen interest in responsible and impact investments, collaborating with certain non profit entities. She is also a member of the Boards of BBVA Uruguay and its Risk Committee, and of Gescobro Collection Services and its Compliance and Risk Committee.

Anna Siakotos Administratrice de My Money Group

Anna SIAKOTOS

Administrator

Anna SIAKOTOS

Administrator

Anna Siakotos is General Counsel Europe at Cerberus Operations and Advisory Company. In January 2021, she will also become Managing Director of the company.
Based in London, Anna Siakotos provides expertise on transactions and general corporate matters for Cerberus and its portfolio companies, with a focus on financial institutions, in Europe and emerging markets.
Prior to joining Cerberus in 2018, Anna Siakotos held positions as General Counsel in several multinational companies, most recently at Millicom International Cellular SA. Prior to that, she practised law for seven years at Debevoise & Plimpton LLP in New York and London, where she advised clients on international M&A and financing transactions.

Leland Wilson

Leland WILSON

Administrator

Leland WILSON

Administrator

Leland Wilson is a financial and operating executive with more than 30 years’ experience in public and private consumer and commercial companies holding positions such as Chairman, CEO, CFO and Chief Administrative Officer. Expertise in Finance, M&A, Capital Markets, Treasury, Structured Finance and Turnarounds. Key industries include Specialty Finance, Retail, Banking, Automotive & Transportation, Telecom, Investment Management, Insurance. Most recently, Mr. Wilson held the position of Chairman and CEO of Off Lease Only, a leading independent used car retailer in the US. Multiple past and present experiences as a board member and/or senior executive include My Money Group, Bawag P.S.K., Off Lease Only, Chrysler Financial, Carrier & Technology Solutions, CorePointe Group., Vanguard Car Rental (Alamo/National).

MBA, Questrom School of Business at Boston University. MS, Finance, Boston College Carroll School of Management. BA, Economics, University of Connecticut. 

The Executive Committee is made up of 11 managers whose role is to define the strategy of the Bank and to ensure its execution

Niccolo Ubertalli

Niccolò UBERTALLI

CEO

Niccolò UBERTALLI

CEO

A graduate in materials engineering from Turin Polytechnic, Niccolò began his career at Teksid as a process engineer.

He has an international career with over 25 years' experience in the banking sector.

From 2004 to 2006, Niccolò was Senior Vice President of MBNA (US and UK). In 2006, he launched UniCredit Consumer Financing in Bulgaria before moving to Italy in 2009, where he became Chief of Staff to the Group CEO, and then Head of the Consumer Finance Group between 2011 and 2012. Niccolò then moved to Romania in 2012, where he became Deputy Managing Director of UniCredit Tiriac. Bank.

From 2015 to 2019, he continued his career at Yapi Kredi as Executive Director and Deputy General Manager before being appointed Head of Italy and Co-CEO Commercial Banking, CEE in 2019. He then became a member of UniCredit's Management Board.

Niccolo has been CEO of Groupe CCF since January 2023.

During his career, he has been a member of the Board of Directors of UniCredit Tiriac as well as a member of the Supervisory Boards of Pioneer Investments, UniCredit Consumer Finance Bulgaria, UniCredit Consumer Finance Romania and Ergo Asigurari de Viata S.A. Romania, as well as various subsidiaries of the Yapi Kredi Group.

Tom de Witte

Tom DE WITTE

Chief Information Officer

Tom DE WITTE

Chief Information Officer

Tom comes from Belgium, where he worked for many years at KBC in a number of key IT positions, including Group CTO, CIO of the Central Europe business unit and COO/CIO of KBC Bank Ireland, all in contexts of major transformation. At the end of 2022 Tom joined Cerberus as senior advisor to several companies. Tom has extensive experience of retail banking and transformation projects, and was instrumental in CCF's IT switchover project. His leadership and expertise will be essential to the Group's IT strategies.
Isabelle Duvernay

Isabelle DUVERNAY

Head of Communication & CSR

Isabelle DUVERNAY

Head of Communication & CSR

Isabelle began her career in 1999 and held marketing, chief of staff, communications and CSR positions in different industries: agri-food (Danone), retail (Bonpoint, L'Occitane), and financial services (AXA), in France and in the USA. She specializes in developing brands for the benefit of business and in engaging internal and external audiences, in multi-cultural worlds.
Just before joining My Money Group, Isabelle was marketing, communications and CSR director of AXA XL.
In January 2022, she joined My Money Group as Group Communications and CSR Director.

Isabelle was also a start-up mentor in 2018, and works within Financi’elles and mentoring initiatives for inclusion and diversity.
Isabelle graduated from EDHEC Lille.

Matthieu Flichy Directeur Business Developpement

Matthieu FLICHY

Head of Strategy and M&A

Matthieu FLICHY

Head of Strategy and M&A

Matthieu Flichy has been Head of Strategy and M&A at My Money Bank since June 2017 where he lead and oversaw the acquisition of CCF (HSBC retail France), Société Générale de Banque aux Antilles and Banco Espirito Santo et de la Vénétie (BESV). He also lead the divesture of legacy activities such as Socalfi (New Caledonia) and mainland France auto lending activities.

He has accumulated over 15 years of experience started in structuring/restructuring on capital markets and investment banking at Lehman Brothers/Nomura then Lazard and in investment funds at Cerberus where he worked among other transactions on the acquisition of GE Money Bank.

He holds a masters in finance from the London School of Economics and graduated in economy & management from Paris Dauphine university.

Ian Glover

Ian GLOVER

Chief Value Officer

Ian GLOVER

Chief Value Officer

Ian joins us with a wealth of experience in risk management, data, advanced analytics and customer value management gained across Europe. He started his career at '3', the UK's leading 3G mobile operator, as a risk manager, then moved to head revenue assurance and billing for BTC (Bulgarian Telecommunications Company) After telecommunications, he moved into consumer credit by taking on the role of CRO for UniCredit Consumer Financing in Bulgaria. He then held various roles in risk management within UniCredit Consumer Financing. Moving into retail banking, he took responsibility for retail risk management for Addiko Bank. Returning to UniCredit, he took responsibility for pricing and profitability within the Italian bank, while also serving as Product Owner for group-wide digital lending
Jerome Lachand

Jérôme LACHAND

Group Chief Regulatory Officer

Jérôme LACHAND

Group Chief Regulatory Officer

Jérôme Lachand began his career at the Banque de France, where he notably worked in the fields of banking supervision, payment systems, operational risks and at the General Inspectorate.
In 2014, he joined the European Central Bank, where he set up the on-site control system for significant banks within the framework of the SSM.

He joined the Group in 2022 to coordinate regulatory, legal and compliance matters.

Pierre-Yves Guegan

Pierre-Yves GUEGAN

Chief Operating Officer

Pierre-Yves GUEGAN

Chief Operating Officer

Pierre-Yves has over 25 years' international experience in retail banking, mainly in France and Central and Eastern Europe. Prior to joining us, Pierre-Yves headed UniCredit CEE's retail banking division for 11 countries, covering the Mass/Affluent, Private Banking and Small Business segments. Passionate about technology, data and retail banking, in this role he simplified product offerings, processes and customer journeys, enhancing personalized day-to-day banking solutions while transforming the retail service model, maximizing the strengths of branches, contact centers and digital channels. Pierre-Yves joined us in January 2024.

 

Samuel Maman

Samuel MAMAN

Head of Risk

Samuel MAMAN

Head of Risk

Samuel Maman began his career at PwC. Within the risk management consultancy business, he has accompanied banking establishments in France and Australia for nearly 15 years, on credit risk modeling issues, then on the adjustment of risk systems following regulatory changes related to Basel 3 and more generally on the management of scarce resources and risk governance.

At the end of 2016, he joined La Banque Postale as Director of Transversal Risk Management, where he was in charge of the Modeling & Stress-testing, Production of Risk Reporting, Transverse Governance Monitoring & Regulatory Expertise and Project Management teams. Risk applications. At the end of 2020, he took on the role of Director of Personal Credit Risk for the Group covering the LBPSA perimeters, its consumer credit subsidiary LBPCF, its heritage subsidiary Louvre Banque Privée and its subsidiary specializing in SOFIAP affinity customers.

Jacques Rouquette

Jacques ROUQUETTE

General Manager French Overseas Territories

Jacques ROUQUETTE

General Manager French Overseas Territories

Jacques Rouquette began his career in 1990 at BFCE in the auditing, organisational and procedures departments. In 1995, he joined the sales teams.

From 1998 to 2010, he was regional head of Natixis Northwest, then for Greater Paris and French Overseas Territories, in charge of relations with corporate mid and large cap customers. In 2011, he joined GE Capital France as regional head of factoring (GE Factofrance), equipment financing (GE Equipment Finance) and automotive financing (GE Fleet Service).

He joined GE Money Bank in 2015 as General Manager for the Indian and Pacific Ocean regions (SOREFI & SOCALFI in New Caledonia). Since 2017, he has headed up all French Overseas Territories.

He holds a MSG (master of business management) degree from Université de Montpellier and a MBA from the University of Maine (USA).

Thomas Vandeville

Thomas VANDEVILLE

Deputy CEO Retail Banking

Thomas VANDEVILLE

Deputy CEO Retail Banking

Thomas Vandeville headed HSBC's retail banking, insurance and asset management activities in France from the end of 2016 to the end of 2023, before transferring to the CCF with the entire bank on 1 January 2024. Thomas began his career at Exane, now a subsidiary of BNP Paribas, in the equity derivatives research department, first in Paris and then in London, where he opened Exane's first foreign office. He then joined the US investment bank Merrill Lynch, first in New York and then again in London, as a mergers and acquisitions analyst in the financial sector (banking, insurance and asset management). After completing an MBA at INSEAD in 1999, he joined the strategy consultancy McKinsey, where he worked for 5 years on strategic, organisational, restructuring and development issues for major European financial institutions. In 2005, he joined Groupama as Group Strategy Director, and in 2008 became Deputy CEO of Groupama Assicurazioni in Italy, in charge of the life insurance company and bancassurance networks. In 2012, he returned to France to become Managing Director of GAN Patrimoine, then of Amaline Assurances, then of the Group's entire Digital Transformation and finally of the Marketing and Distribution Division. He was a member of the Group Executive Committee and the General Management Committee of Groupama SA until his departure for HSBC.
Fady Wakil

Fady WAKIL

Chief Financial Officer

Fady WAKIL

Chief Financial Officer

Fady started his career at General Electric in 2004 in their healthcare division, before joining the Corporate Audit Staff program in 2007.

In 2009 he joined Mubadala GE Capital (Abu Dhabi, UAE), as the Pricing Manager and then as the Financial Planning & Analysis and Business Development finance Manager.

Fady relocated to Paris in 2014 where he held several roles at GE Money Bank including as Financial Controller and treasurer of the GE Capital France Holding Company (GECSAS), and Treasurer of Groupe CCF. He is currently the CFO of Groupe CCF since March 2020. Fady is also the Chief Executive.

Fady holds a bachelor degree in Mechanical engineering from the American University of Beirut, an Msc. in Medical engineering from King’s College London.

notre strategie

The Group's strategic plan is based on four priorities.

Collecte de depots

Achieve our financial and business goals

  1. Profitability (return on equity) 
  2. Growth 
  3. Cost to income ratio

The Group's growth is a strategic priority.

Nos assurances facultatives

Act as a corporate citizen with our employees and our customers & partners

  1. Diversity and Inclusion 
  2. Quality of life at work
  3. Environment 

The Group has thus set itself the strategic priority of Acting as a corporate citizen with all of its employees, customers and partners.

Nos assurances facultatives

Always better support our partners and customers

  1. Innovation and transformation projects to simplify processes and better serve our customers 
  2. Technological investments 
  3. Close relationship with our partners

In order to better meet the needs of its customers, the Group is giving itself the means to fulfill its ambitions in terms of digitalisation.

Integration d'HSBC

Prepare the integration of HSBC France retail banking activities and employees into the group

Prepare the integration of HSBC France retail banking activities and employees into the group

As a financial institution established in France My Money Group is supervised and controlled by the Prudential Control and Resolution Authority (ACPR), the Financial Markets Authority and is a member of organizations recognized in the context of the protection of bank customers.

Soumises à l'autorité des marchés financiers
FGDR
OCBF
ACPR
ASF