About us

Charles-Henri Sabet is the Founder and Chief Executive Officer of FlowBank. FlowBank is his vision for a new investment experience open to everyone.

In 1999, he founded Synthesis Bank where he was chairman until 2008 when the institution merged with Saxo Bank. Synthesis Bank is considered a pioneer among the new series of online banks on the Swiss market.

As a member of the Executive Committee, Mathieu leads the operational management of FlowBank.

Since 2010, Mathieu held several positions at Swissquote, the latest being Vice Director of Banking Applications and Settlement. Before that, Mathieu was System Engineer at Bordier & Cie from 2006 to 2009.

He started his career in 1999 at Steria Informatic SA (now BottomLine), a Geneva-based IT-service provider, where he oversaw the development of GTExchange products. Mathieu holds a University Diploma in telecommunications and network engineering.

Charles-Henry Monchau holds the positions of Chief Commercial Officer and Chief Investment Officer, where he brings 25 years of international experience in multi-asset investing. He is our man to lead the vision of FlowBank and to develop our further strategy.

Before joining FlowBank, Charles-Henry held senior roles at Dubai Investments (CIO), Deutsche Bank (Head of Asset Allocation EMEA), EFG Bank (CIO Europe), Rothschild Bank AG in Zurich, Lombard Odier (Geneva and Paris), and BNP Paribas (Geneva and Nassau). He was also an adjunct professor in Finance at the IUG and HES Kalaidos both in Geneva.  

Charles-Henry has an Executive MBA from Instituto de Empresa (Madrid & Shanghai), an MSc in Finance from HEC Geneva, and graduated from MIT Sloan (Blockchain Technologies), London School of Economics (Real Estate), and Oxford Said (Venture Capital). He is also a CFA, CMT, CAIA, and CIIA charter holder.

Thomas Steinmann, President of the board of directors of FlowBank, holds a degree in law and a degree in political science from the University of Lausanne (1983). He obtained his lawyer's license in 1990 and became a Doctor of Law in 1991.

In 1990, he joined the Python Study Schifferli Peter & Associés in Geneva (now Etude Python) as a collaborator. The year after, he worked as a collaborator of the Gibson, Dunn & Crutcher Study in NewYork, before returning to the Python Study, of which he became an associate in 1995, a position he still holds today.

Since 1995, Mr. Steinmann is an Extraordinary Professor teaching International Contracts at the “École des Hautes Études Commerciales” of the University of Lausanne.

Michel Broch, Vice-President of the board of directors of FlowBank, holds a degree in law from the University of Fribourg (1980) and a lawyer's certificate (1983). He began his career as assistant to Professor Pierre Tercier at the University of Fribourg (1983), before becoming Registrar at the Federal Insurance Court in Lucerne (1984 - 1986).

In 1986, he joined the legal service of the Federal Banking Commission as a scientific assistant. In 1990 he joined Ernst & Young SA in Geneva and became Partner in 1992, then member of the board of directors in 1998, and replacing the Director of Financial Services in 1999. In 2002, he became President of the executive committee of Banque Safdié in Geneva. In 2005, he founded Broch & Associés, in Corminboeuf, with which he is associated. Until 2013, he was a director of MIG Banque, Lausanne. He is currently Vice-Chairman of the Board of Directors and Chairman of the Audit Committee of Reyl & Cie, Geneva, Vice-Chairman of the Board of Directors of Reyl & Cie Holding, Geneva, director and Chairman of the Audit Committee of Hyposwiss Private Bank, Geneva, Vice-Chairman of the board of directors of the securities company IMAC Bond in Fribourg, director of Noventa Capital, Geneva, and director of the CSI management and consulting company Finance, Fribourg. Finally, he is a member of the board of directors of SpeciTec, Geneva, a company active in the development, maintenance and distribution of computer programs for banks and businesses.

Yves Perréard, member of the board of directors, holds a certificate as federal bank employee (CFC) (1979). He began his career in 1979 with UBS in Zurich, first with the back office, then with FX-Spot Trading of which he became the Chief Dealer in 1985. In 1986, he continued in FX-Spot Trading with UBS in New York. In 1987, he became Head of Currency Products at Renault Finance, Lausanne. A year later, he returned to UBS Zurich, first as Head of Currency Products and Banknotes Trading, then, in 1992, as Head of Currency Products Banknotes and Derivatives. In 1994, he joined UBS Ltd in London as Head of Currency Trading and Sales, before becoming the Head of Timezone Europe for all FX including Trading, Sales, Derivatives and Proprietary in 1996.

Since 1998, Mr. Perréard is Chairman of the Board of Directors and Chief Executive Officer of Perreard Partners investment, Geneva.

Pierre Zach, member of the board of directors at FlowBank, holds a license in commercial and industrial sciences from the University of Geneva and a diploma as chartered accountant.

He started his career in 1977 with Peat Marwick Mitchell, Geneva, first as Assistant, then Senior and finally Manager with the Audit department. In 1984, he became Deputy Director responsible for the Geneva branch of the Société de Révision Bancaire SRB. In 1987, he joined the Bank of Paris and the Netherlands (Parisbas) as internal auditor responsible for the IT audit. In 1989, he joined KPMG, Geneva, as a partner, active in the field of auditing and advisory activities in the banking and financial sector. In 2015, having reached retirement age, he retired from the KPMG Partnership and continued his part time activity as Director. He completely withdrew from KPMG in 2017. Currently, Mr. Zach is a member of the board of directors of Banque Dukascopy, Geneva.