Freelancer profile translated to English.
Back to original languageAbout Sebastien
Do you need an expert who understands the operational reality of risk management, not just the theory? Not a junior consultant discovering your industry. A peer who has led from within.
For 20 years, I have built and managed risk management and compliance systems within banks regulated by the ACPR.
As Director of Risk and then Deputy CEO of BGFIBank Europe, I was the second-in-command of a bank with 70 employees under direct supervision: regulatory dialogue with the ACPR, management of 6-month on-site inspections, leading 3 annual Risk Committees, deployment of a comprehensive Risk Appetite Framework with 14 KRIs, mapping of 45 major risks, AML 30,000 certification.
What I bring to your missions:
→ An operational regulatory perspective (ACPR, CRR3, DORA, AML/CFT) from the field, not from textbooks
→ Deliverables ready for presentation to the Board of Directors or the supervisory authority
→ Ability to intervene quickly in project mode, without a learning curve
→ Dual expertise in Europe / French-speaking Africa (CEMAC, UEMOA markets)
My 3-step method:
1. Quick scoping (48h) — I understand your context, constraints, and priority challenges
2. Production of actionable deliverables — no 200-page reports, but documents you can use tomorrow
3. Skills transfer — your teams will be able to manage without me after the mission
Areas of intervention:
— Risk Mapping & RAF (Risk Appetite Framework)
— Audit and Permanent Control (1st and 2nd level)
— AML/CFT Compliance & Prudential Regulation
— Preparation for ACPR inspections and remediation plans
— Risk Reporting (Risk Committee, Board of Directors, Group)
— Governance and structuring of risk functions
Certified HEC Paris Executive (2023). 20 years of experience. Available for missions in Paris and remotely.
French
Native or bilingual
English
Fluent
Can work on-site
Paris (up to 50km)
Experience
- BGFIBANK EUROPE,DEPUTY CHIEF EXECUTIVE OFFICERBANKING AND INSURANCEJanuary 2021 - January 2025 (4 years)Paris, FranceNumber 2 in the bank, managing governance, overall performance, and key functions (risk, compliance, permanent control, audit) in direct liaison with the Board of Directors and the ACPR.• Managed regulatory dialogue with the ACPR: handled a six-month on-site inspection, fully implementing the recommendations from the follow-up letter, coordinating the monitoring of prudential remediation plans, leading 3 annual Risk Committees, and presenting cases to the Board of Directors.• Operational implementation of the Board of Directors' strategic orientations: managed the growth of Net Banking Income from €17.9 million to €25.2 million between 2021 and 2024 (+41%), expanded the commercial offering across 4 business lines, and led the structural reorganization that doubled staff numbers and increased equity to €63.3 million in 2024.• Led the 'Mastering Risks' pillar of the five-year strategic project 'Dynamique 2025': deployed the risk management and permanent control system, coordinated the achievement of AML 30,000 certification in conjunction with the Compliance Department, and contributed to strengthening the internal governance framework.• Managed 70 employees across all bank functions: supported managers, implemented recruitment and training plans, and maintained controlled turnover in a context of doubling staff numbers over the period.
- BGFIBANK EUROPE,DIRECTOR OF RISK AND CONTROLJanuary 2019 - January 2021 (2 years)Paris, FranceManagement Committee member responsible for the bank's steering system, contributing to the decisions of the Executive Body and the dialogue with the Board of Directors on risk and internal control issues.• Developed and led the risk mapping: identified 45 major risks, implemented targeted action plans that resulted in a measurable reduction in net risk exposure, and led the quarterly Risk Committee.• Designed and deployed the Risk Appetite Framework aligned with the bank's growth strategy, submitted for Board of Directors' approval, with monitoring of 14 key risk indicators (KRIs) and updating of the Prudential Recovery Plan (PPR).• Designed and presented multi-level risk reporting: monthly reporting to the Holding company, quarterly reporting to the Risk Committee and the Board of Directors, and prudential reporting to the ACPR.• Drafted and updated the risk governance documentation corpus: Risk Committee charter, risk appetite policy, general credit policy, Risk Management function charter, and internal audit manual, in compliance with ACPR regulatory requirements.
- BANQUE DUPUY DE PARSEVAL (GROUPE BPCE),HEAD OF PERMANENT CONTROL - OPERATIONAL RISKSBANKING AND INSURANCEOctober 2013 - March 2019 (5 years and 5 months)34200 Sète, FranceManaged the permanent control and operational risk management system in line with the requirements of the BPCE Group and regulatory changes.• Strengthened the internal control system: defined sampling rules for 1st and 2nd level controls, analyzed results, and drafted permanent control reports for management and supervisory bodies.• Updated 150+ internal procedures in compliance with regulatory changes and BPCE Group standards, contributed to cross-functional projects: IT migration and deployment of permanent control and operational risk management tools.• Coordinated responses to internal audits and ACPR missions: 95% of action plans approved within deadlines.
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Education
- Certificat Exécutif des Dirigeants Groupe BGFBank — HEC ParisHEC2023Programme Executive HEC Paris, option Finance et Gouvernance (2023)
- Diplôme de l'École Supérieure de Commerce de PauEcole Supérieure de Commerce de PAU2001