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

Our team of finance and technology experts represents decades of combined banking and engineering experience.

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Executive Team

Memo Bank’s Executive Team is in charge of day-to-day operations. It is made up of entrepreneurs and bankers working side by side under the auspices of the Supervisory Board.

Jean-Daniel Guyot, Memo Bank

Jean-Daniel Guyot

Co-founder and Chairman of the Management Board

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, Memo Bank

Michel Galibert

Co-founder and Chief Operating Officer

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.

Tristan Pontet, Memo Bank

Tristan Pontet

Co-founder and Chief Financial Officer

Before joining Jean-Daniel Guyot and Michel Galibert to co-found Memo Bank in 2017, Tristan Pontet was the Chief Financial Officer of Capitaine Train. He holds degrees from l’Institut d’études politiques de Paris (Science Po) and HEC Paris.

Yves Bedué, Memo Bank

Yves Bédué

Chief Risk, Compliance and Control Officer

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, Memo Bank

Christophe Juniet

Chief Technical Officer

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.


Supervisory Board

Memo Bank’s Supervisory Board oversees the smooth operation of the bank and advises the Executive Team on strategic decisions. It is made up of authoritative figures from the world of banking and investment.

Ronan Le Moal

Ronan Le Moal

Former CEO of Arkéa

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.

Valentine Bauduin Barbelivien

Valentine Baudouin Barbelivien

Co-partner of Founders Future

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.

Gilles Denoyel

Gilles Denoyel

Chairman of the Board of Directors of Dexia

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

Jacques Veyrat

President of Impala

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.

Paul Mizrahi

Paul Mizrahi

Co-founder of Blackfin Capital Partners

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

Clarisse Blandin

Venture Capital Investor at Bpifrance

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-Eric Leibovci

Pierre-Éric Leibovici

Co-founder of daphni

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

Quentin Boucly

Head of Mergers & Acquisitions at Bpifrance

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.


Meeting at Memo Bank

Our team

We’ve brought together (while keeping socially distant) bankers and software engineers from the top banks and the best start-ups, such as Capitaine Train, Criteo, Google, BPCE, BNP Paribas and Société Générale. Interested in supporting European SMEs in their growth and digital transformation ? Join our team.

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More about Memo Bank

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Our investors

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History & Mission

We are reinventing banking.

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