Retail Banking in Europe

Francois Villeroy

Member of the Executive Committee and Head of French Retail Bank, BNP Paribas

Biography

Born on February 24th, 1959

Married, 5 children

Member of the executive committee of BNP PARIBAS and Head of French Retail Banking

Career :

Since September 2008

Head of French Retail Banking (BNP Paribas Group)

2003 - 2008

Chief executive officer of CETELEM - PERSONAL FINANCE (BNP Paribas Group)

1984 to 2003

French Treasury - of which negotiation on the euro (1990-1997)

Mats Torstendahl

Executive Vice President, Head of Retail Banking, SEB

Biography

Born 1961; SEB employee since 1 January 2009. M. Sc. (Engineering Physics).
Executive Vice President , Head of Retail Banking since January 2009.

Background: Started his career at ABB in 1985. In 1987 he moved to Östgöta Enskilda Bank, where he was i.a. branch manager in Stockholm 1996-2000. Appointed Executive Vice President of Danske Bank in Sweden in 2001. Senior Executive Vice President of Danske Bank Sweden and member of Danske Bank Group Executive Committee since 2004.

Raffaele Cicala

Chief Executive Officer, UniCredit Family Financing

Biography

Raffaele Cicala joined UniCredit Group in 2006. He is now head of UniCredit Group Household Financing Division with Subsidiaries and Divisions in six European countries and CEO of UniCredit Family Financing Bank, managing Group financing activity to Individuals/Families for both Group Retail Networks and for other non banking channels, of about 100 bn € assets. He previously worked four years in Procter & Gamble, where he was Group Manager in Italy and at The Boston Consulting Group (BCG) for sixteen years. In BCG he worked in Consumer Good & Retail and in Financial Services in France, Italy and CEE. While at BCG, Raffaele Cicala set up and developed BCG offices in Warsaw, Prague and Rome and has been Vice President & Director and Partner of The Boston Consulting Group Inc. and CEO of BCG in Warsaw.

Harri Lauslahti

Managing Director, Tapiola Bank

Biography

Summary

Harri Lauslahti MSc (Economics & Business Administration) has over 20 years of experience in responsible leadership positions in retail, corporate and investment banking, last 7 years as Managing Director. Numerous positions of trust in the banking insurance and investment sector.

Work experience

• Tapiola Bank Ltd, Managing Director
• Svenska Handelsbanken Finland, SVP, Head of Regional Markets
• Svenska Handelsbanken Finland, SVP, Regional Area Manager
• Svenska Handelsbanken, Branch Manager
• Union Bank of Finland, Branch Manager
• Union Bank of Finland, Business Controller

Positions of trust

• Board member, Tapiola Rahastoyhtiö Ltd
• Board member, Tapiola Omaisuudenhoitoyhtö Oy Ltd
• Board member, Ab Compass Card Oy Ltd
• Board member, Mutual Insurance company Turva
• Board member, Tapiola Asset Management Ltd
• Chairman of the board, Tutor Invest Oy Ltd

Irmfried Schwimann

Director, "Markets and Cases III: Financial Services", European Commission

Biography

Since January 2009, Mrs Irmfried Schwimann is Director in the European Commission's Directorate General for Competition; she is responsible for antitrust, merger and state aid control in the financial services sector.

Previously, Mrs Schwimann was head of DG Competition's financial services antitrust unit (2006-2008) and head of DG Internal Market's Financial Services Policy unit (2003-2006). Mrs Schwimann also worked on retail financial services and payment issues within DG Markt (1999-2002) and was a member of Commissioner Bolkestein's Cabinet (2002-2003).

Mrs Schwimann studied law at the University of Linz/Austria as well as political science at the Institut d'Etudes Politiques in Paris.

Before joining the Commission Mrs Schwimann worked for the Austrian Ministry of Foreign Affairs (1984-1989) as well as for an Austrian Insurance group (1989-1999).

Mrs. Schwimann is married and has 3 children.

Jean-Paul Betbeze

Chief Economist, Credit Agricole

Biography

Chief Economist and Head of Economic Research, Member of the Crédit Agricole SA Executive Committee

- Professor, University of Paris, Panthéon-Assas,

- Member of the Prime Minister’s Economic Analysis Council,

- Chairman, Late Payment Intelligence Unit("Observatoire des délais de paiement"),

- Secretary to the Board, Foundation for World Agriculture and Rural Affairs (FARM),

- Member of Strategic Council for Sustainable Agriculture and Agri-food

- Member of the Cercle des Economistes, of ICBE (International Conference of Bank Economists), of the Scientific Committee of the Robert Schuman Foundation, the Académie du Béarn, and of COPEIAA (“Council for European and International Prospective Analysis of Agriculture and Food”).

EDUCATIONAL

- Graduate of the Ecole des Hautes Etudes Commerciales (1972),

- Post-graduate diploma in the Science of Organizations (1974),

- Doctorat d'Etat in Economics (1979),

- Supplementary Dissertation in Economics (1980),

- Agrégation des Facultés de Sciences Economiques (1984).

FORMER ACTIVITIES

- Special Advisor to the Chairman and to the Chief Executive Officer of Crédit Agricole SA (2003-2005), Head of the Crédit Lyonnais Economic and Financial Research Division (1989-2003),

- Former Chairman, Economic and Financial Affairs Commission, UNICE (Union des Confédérations de l'Industrie et des Employeurs d'Europe), SEP (Société d’Economie Politique), and AFEDE (Association Française des Economistes d'Entreprise),

- Former Secretary General, SEP (Société d’Economie Politique), and AFSE (Association Française de Science Economique)

- Professor, University of Franche-Comté (1984-1987), Senior Lecturer, Universities of Caen (1980-1983) and Amiens (1983-1984), Lecturer at the University of Paris IX Dauphine (1974-1980).

Luis Uguina

Chief Mobility Officer, BBVA

Biography

Graduated in Information Technology and Computing by the Open University. His professional experience has been mostly developed in Banking and New Technologies, taking part actively in the draw-up and development of mobile systems focused on financial entities worldwide. Since 1997, he has been oriented to the development of solutions based on context.

Currently, he is part of the BBVA Group and holds the position of Chief Mobility Officer. He belongs to different organizations and international groups which are focused on the development and standardization of mobile services.

Bernard Croisier

Director Organisation, Dexia Group

Biography

Bernard Croisier, 40, has a Business Administration degree from Université of Liège (Belgium) and a Ph.D. in management science from Université of Liège and University of California at Berkeley (USA). From 1999 to 2004, he joined McKinsey & company where he helped a number of companies on strategic and operational optimization issues in the banking and logistics sectors. He joined Dexia Bank in 2005, as Director of Organization department, where he leads transversal optimization initiatives in operations, distribution, facilities management and support functions, using lean as well as added-value analysis techniques. He also heads the PMO department in charge of selecting and tracking large IT transformation projects.

Jonathan Law

Head of Business Strategy and Planning, ROI Division, Allied Irish Bank

Biography

Head of Business Strategy and Planning for AIB RoI Division. Jonathan has a wide breadth of experience in Financial Services having worked in Barclays, Accenture, VISION Consulting and now AIB. Roles to date have been both Functional in branch banking, operations and business change as well as Consultancy both internal and external. His experience has mainly been in the UK and Ireland with a period working for Barclays in New York. Prior to his current role he implemented a major branch change programme in AIB. Jonathan graduated from University College Dublin in 1994 with a BSc (Hons).

Carla Antunes da Silva

Bank Analyst, JP Morgan

Biography

Having covered the Iberian banks for nine years, and since 2005 Carla Antunes da Silva has been the lead analyst covering the UK banks at J.P. Morgan. Carla joined J.P. Morgan in April 2002. Previously, she worked for Deutsche Bank (for six years) as an analyst in the European Banking Team, again covering Iberian banks. Carla studied Politics, Philosophy & Economics at St Edmund Hall, Oxford, and holds an MSc in Management from The London School of Economics. Carla and team were ranked third in II Rankings for 2008 and second in the II Rankings for 2009.

Alex Bannister

Head of Customer Management, Nationwide

Biography

3 years as an Economist at Oxford Economics, before joining Nationwide as an economist in February 1997.

In 1999, appointed Group Economist and became the Society’s spokesperson on the housing market and economy. In 2001, made responsible for the development of Group Strategy within the Corporate Planning Division.

In 2005, joined Marketing Division as Senior Product Marketing Controller responsible for retail savings, current accounts, credit cards and unsecured loans.

In April 2007, appointed Head of Banking & Credit Card. From April 2008, spent 6 months seconded to the Voyager Programme as Head of Business Transformation.

In May 2009, appointed Head of Customer Marketing responsible for customer insight, market research, direct marketing, customer data and exploitation of our CRM capability.

Sarah King

Director, The Futures Company

Biography

Sarah King is Deputy Managing Director of The Futures Company, the combined brand of Henley Centre Headlight Vision and Yankelovich. She joined from a career in advertising, most of it spent at AMV.BBDO, the market leader. She worked at board level in both Account Management and Strategic Account Planning, nationally and internationally, across a wide variety of businesses and sectors.

Sarah brings to The Futures Company a broad experience in consumer insight, proposition development, brand positioning and brand building. She works across a range of skill sets; she is an experienced qualitative researcher and workshop facilitator, runs a major Global trends project and leads our Quantitative Insight and Segmentation group at The Futures Company. In sector terms, she is responsible for the financial services, telecoms and media team as well as leading a number of major client relationships internationally and in the UK.

József Nyíri

Chief Technology Officer, IND Group

Biography

József NYÍRI (32) Chief Technology Officer of IND Group. Together with his partners he founded IND during studying on the University of Miskolc. The company focuses on banking software development for 12 years. Nyíri was responsible for establishing the Professional Services and Product Development departments at IND. He was a project manager of the implementation in CIB Internet Banking in Hungary and the Alternative Delivery Channels project of Bank of Valletta in Malta. To ensure the highest level of software development he introduced the quality and security management system, he developed test and support groups within the company. Today Nyíri’s main tasks are to coordinate international sales and the managing IND’s Innovation Lab.

Eric Leenders

Executive Director of Retail, BBA

Biography

As the head of the Retail team at the British Bankers' Association, Eric's brief covers a broad portfolio of issues, including forthcoming revisions to the Consumer Credit Act, Payment Protection Insurance, proposed changes to insolvency and debt management legislation, pensions and savings, and the introduction of Banking Conduct of Business standards, Payment Services Regulations and the Lending Code - which in combination replace the Banking Code from November 2009.

In a wider context, Eric's team also hold responsibility for proposed European interventions, including the retail banking review, Single European Payments Area - and the introduction of collective redress, which has been the subject of much attention and debate in Brussels recently and emerging EU thinking around a single home loans market. Eric chairs the European Banking Federation's Consumer Affairs Committee

Eric has over twenty years experience as a career banker in retail banking with NatWest and latterly the Royal Bank of Scotland Group. During this time, the roles he has undertaken have been both operational and strategic, including successful spells as a branch and business manager. Before joining the BBA, he was responsible for a portfolio of policy-driven projects in PR and communications, new and emergent markets, legal and regulatory issues and crisis management.

Kevin Keen

Director Financial Services, Western Union

Biography

Kevin Keen is Director for Financial Services & Postal Organisations, Strategic Network & Business Development, for Western Union and based in London. Kevin is responsible for the on-going development of the sales organization to enable a more sales focused acquisition strategy, whilst driving growth through the identification, qualification and acquisition of major bank and postal prospects across the region. This has involved defining sales strategy for major Pan-European and global banks across EMEA. Over the past 10 years, Kevin has demonstrated a solid track record in the field of enterprise payment and transaction management solutions for the banking, financial services and retail industries. Prior to Western Union, Kevin held senior sales positions at eFunds International Limited (now FIS) and S2 Systems International Limited (now ACI).

Richard Downs

Head of Social Media, Infosys

Biography

Richard Downs has been in the consumer industry for the last 23 years consulting clients on a variety of customer centric solutions, principally helping clients drive new revenues. For the past 10 years he has been in the digital space with particular emphasis around social media and eCommerce. Richard is now part of the Software-as-a-Service team within Infosys, where he is helping to deliver ground breaking platforms for social listening and social engagement.

Romano Stasi

Director, ABI

Biography

He’s today the managing director of the ABI Lab Consortium, the Research and Innovation centre for banking promoted by Italian Banking Association. He also coordinates a working group involved in future bank branch evolution.

He accrued his experience in B2B relations with a special reference to “make or buy” strategies, to marketing activities, and to re-eingineering processes, with a special focus on ICT solutions.

He has covered the position of Management Consultant for big international Companies such as Accenture, Capgemini and Ernst&Young, developing project in TLC, banking and energy sector.

He has also been Marketing Manager and e-business leader in General Electric Oil&Gas, where he coordinated an international project aimed to define and to implement an e-business strategy.

John Berry

former Retail Banking Chief Executive Officer

Biography

John is the former Managing Director and Transformation Director at the retail bank Abbey National.

During his extensive career in the bank his roles included Sales Director, Marketing Director, Operations Director, European Director and Managing Director (retail).

He received worldwide recognition for innovation in bringing a form of franchising to UK financial services as well as changing the face of high street banking by putting coffee and banking together (Costa Coffee).

Since retiring from Abbey at the end of 2003 John has worked throughout the world assisting retail banks improve their performance across all channels (experience has included Africa/ SE Asia/ Australia/ W and E Europe/ Middle East, India, Pakistan and UK).

He has published work on retail bank performance and is a well recognised speaker at conferences in Europe, USA, Asia and the UK.

In addition to work in the financial services arena his expertise also incorporates non FS sectors such as retail where he has helped companies dramatically improve performance through creating a “buying culture” ensuring the bank looks at all aspects of its business from the customer’s perspective.

In addition to running his own business John works as a mentor for a leading specialist company in the UK, as well as being involved in projects such as bringing wireless broadband to W. Africa.

His work involves him working with leading brands such as Euromoney, The Asian Banker and Goldman Communications to deliver high quality, interactive, practical training events around the globe.

A knowledgeable and very experienced individual John will help challenge existing approaches and methodologies to improve corporate performance. His knowledge of the market changes and the new world facing retail banks enable him to give added value to senior management teams wishing to differentiate their performance in a crowded marketplace.