Yves Bédué joins Memo Bank as Chief Risk, Compliance and Control Officer


Yves Bédué joins Memo Bank, a commercial bank destined for French and European SMEs which is currently in the process of applying for a banking license.

He will be responsible for all aspects of risk, compliance and control of the company’s lending activity to Small and Medium-Sized Enterprises (SMEs). He will implement and oversee the risk management policies and will ensure compliance with all internal rules and procedures as well as external administrative and legislative requirements.

Bédué has almost thirty years’ experience in similar roles with some of the banking sector’s leading institutions. 

He began his career in 1989 at GMF Banque as a credit risk analyst within the department dedicated to SMEs.

From 1991 to 2000, he worked for the BPCE group, first as a credit officer in its central structure, la Chambre Syndicale des Banques Populaires. Then, in 1997, he was appointed Head of Counterparty Risk for Natexis Banques Populaires’ trading activity. 

Continuing in a role as Head of Counterparty Risk from 2000 to 2002, he worked for the Caisse Nationale des Caisses d’Épargne and then CDC Ixis when it created its finance and key accounts department.

As part of the Groupe Banques Populaires from 2003 to 2009, he served as Deputy Director of Commitments for Société Centrale de Crédit Maritime Mutuel. In 2005, he was promoted to Director of Credit Risk and made a member of the executive committee for the Caisse Régionale de Crédit Maritime du Littoral du Sud-Ouest.

From 2009 to 2018 as Director of Risk and Compliance and member of the executive committee for Socram Banque, he was deeply involved in the launch of its banking activity. Socram Banque designs and manages banking products and services under white label agreements with its shareholders, predominantly cooperative banks and insurers. As part of his role, Bédué implemented and oversaw the entirety of risk management and control policies and procedures.

We continue to attract experts in their chosen fields to reinforce our team with the aim of being able to launch Memo Bank as soon as we obtain our banking license from the French and European regulatory authorities. In light of this, bringing Yves Bédué on board is a huge step. His expertise and experience in finance, and specifically in support of SMEs, will be invaluable as we continue building a sound banking institution focused on the needs of its clients,” commented Jean-Daniel Guyot, co-founder of Memo Bank.

The opportunity to create a new bank catering to SMEs is definitely what drew me to the role. Tailored customer service and financing real economic growth are two areas of my work that are incredibly important to me, and this is precisely what Memo Bank has chosen to place at the center of its mission. There was no question about my desire to be a part of shaping this new banking institution alongside its founders,” added Bédué.   

Yves Bédué, 53, earned a Master in Economics and Management degree from the University of Paris X Nanterre in 1988.