An all-star roster of experienced entrepreneurs and seasoned bankers.

Before co-founding Memo Bank in 2017, Jean-Daniel Guyot co-founded and served as President of Capitaine Train, a booking platform which was sold to Trainline in 2016. He holds an engineering degree from INSA (Rouen) and is chairman of the Management Board.

Michel Galibert co-founded Memo Bank in 2017. Prior to that, he worked at Google and Capitaine Train, where he was in charge of marketing and then product development alongside Jean-Daniel Guyot. He is a graduate of HEC Paris.

Ferdinand began his career at KPMG working as an Auditor for leading French banks. He then joined ING bank, where he held several positions as Manager and Financial Controller for almost ten years. He had recently joined Ditto Bank.

Yves Bédué oversaw control and risk management at Socram Banque for ten years before joining Memo Bank in 2018. He honed his credit analysis skills at BPCE and also worked for Natixis and Crédit Maritime. He is a graduate of Université Paris-Nanterre.

Christophe Juniet spent five years in Crédit Agricole Cheuvreux’s financial market engineering department before joining Criteo in 2011 where he headed up a team of over one hundred software engineers.

Philippe has 20+ years of experience in scaling B2B technology companies. He worked for Bull and Ingenico in the field of banking solutions and payment infrastructure, Welcome Real-time in payment and loyalty solutions, and Budget-Insight in which he contributed to the emergence of Open Banking.

Ronan Le Moal was head of the Crédit Mutuel Arkéa group, which includes Suravenir and Fortuneo, for thirteen years. A graduate of HEC, he serves as chairman of Memo Bank’s Supervisory Board.

An attorney formerly with Kramer Levin, Valentine Baudouin Barbelivien is now a partner at Founders Future, an investment fund created by digital entrepreneurs. She holds degrees from Panthéon Assas (Paris II) and Paris Dauphine. She is deputy chair of Memo Bank’s Supervisory Board.

Before taking over as Chairman of the Board of Directors of Dexia, Gilles Denoyel was the Chief Risk Officer for HSBC France for eleven years. He is a graduate of ENA, Écoles des Mines de Paris and Science Po. He is a member of Memo Bank’s Supervisory Board.

Jacques Veyrat manages Impala, an investment firm he founded in 2011. He is also Chairman of Fnac Darty SA. He holds degrees from École nationale des ponts et chaussées and École polytechnique. He is a member of Memo Bank’s Supervisory Board.

Before co-founding Blackfin Capital Partners, an investment fund specializing in financial services, Paul Mizrahi created the online bank Fortuneo which was subsequently acquired by the Crédit Mutuel Arkéa group. He is a graduate of HEC Paris and a member of Memo Bank’s Supervisory Board.

Clarisse Blandin is a VC investor at Bpifrance, the French public investment bank. She holds a degree from ESCP Europe and is a member of Memo Bank’s Supervisory Board.

Pierre-Éric Leibovici co-founded daphni, an investment firm specializing in high-tech European companies. He is a graduate of ESCP Europe and a member of Memo Bank’s Supervisory Board.

Quentin Boucly is head of M&A at Bpifrance. He is a graduate of Paris Dauphine and HEC Paris. He is an independent observer of Memo Bank’s Supervisory Board.

Xavier Lorphelin cofounded Serena in 2008. He is an independent observer of Memo Bank’s Supervisory Board. He holds degrees from École des ponts ParisTech et chaussées and École polytechnique.