About us

One vision, a passionate team, and a lot of Flow.

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Who we are

FlowBank, an online bank headquartered in Geneva, Switzerland, employs more than 90 people who have been present since the beginning.

Founded by Charles-Henri Sabet, FlowBank aspires to reinvent the online investor experience. FlowBank SA has been awarded a banking license by the Swiss Financial Market Supervisory Authority (FINMA) and is a member of esisuisse.

Our values

Flowbank’s vision, mission, and values embody Flow.
Flow refers to the maximum level of concentration a person can reach when they are deeply focused and totally absorbed in an activity. This energy and positive experience reflect that of the investor who has the focus and motivation to succeed.
Clarity, no barriers, and positivity. This is Flow. This is who we are.

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Our vision

Seriously Simple
Seriously Banking
Seriously Swiss

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Our mission

We aim to guarantee instant execution and high-quality client services. Our bank is cutting-edge, accessible, and intuitive.

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Innovation

Our technological capabilities give everyone access to investments.
We provide the solutions today so the next generation can harness their financial future tomorrow.

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Challenge

As entrepreneurs, we are motivated by the demands of operating in an economic world that is undergoing digital acceleration.
Our ability to react to the challenges around us makes us indispensable.

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Team spirit

Team spirit is our flow. Thanks to this culture we can ensure an unparalleled banking experience for our clients.

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Economic responsibility

We are committed to providing the best banking practices, regulated by FINMA, and based on our code of conduct and ethics.
Our headquarters are based in Geneva and our customer support team operates exclusively from Switzerland.

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Swiss made

As a player in the Swiss financial sector, we do our utmost to build our heritage on the values of excellence guaranteed by the Swiss-made label.

Flowbank Insiders

Meet the talented people who are shaping the future of online banking with original thinking, passion, and dedication. 

Meet the team behind FlowBank

The Path to Flow

The Team

Charles-Henri Sabet

Chief Executive Officer

Mathieu Bruneau

Chief Operating Officer

Charles-Henry Monchau

Chief Investment Officer

Sergio Verdial

Head of Compliance and Risk

Valérie Noël

Head of Markets

Mélanie Leszek

Head of Human Ressources

Portrait of Charles-Henri Sabet by Flowbank

Charles-Henri Sabet

Chief Executive Officer

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.

Portrait of Mathieu Bruneau by Flowbank

Mathieu Bruneau

Chief Operating Officer

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.

Portrait of Charles-Henry Monchau by Flowbank

Charles-Henry Monchau

Chief Investment Officer

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.

Portrait of Sergio Verdial by Flowbank

Sergio Verdial

Head of Compliance and Risk

Sergio Verdial is FlowBank’s Head of Compliance and Risk. In this role, he is responsible for ensuring the bank’s compliance with the regulations as well as monitoring and managing risks with the potential to negatively affect FlowBank.

Having served as Head of Compliance at Banque Pâris Bertrand and SYZ Group and as Senior Compliance Officer at Single Family Office and Banque SYZ, Sergio Verdial has extensive experience in compliance. He started his career at Ernst & Young as Senior Auditor.

Sergio Verdial holds a University Degree in Business Administration as well as a Certificate of Advanced Study in Compliance in Financial Services from the University of Geneva.

Portrait of Valérie Noël by Flowbank

Valérie Noël

Head of Markets

Valérie manages the markets desk at FlowBank, overseeing trading and market activities as well as risk and business profitability. Valérie brings a deep understanding of the international finance sector.

 

She began her career in 1994 with United Overseas Bank in Geneva, later moving to Credit Commercial of France. She spent some time in New York for training with Salomon Smith Barney, now Citigroup. In 1999, she joined HSBC for 7 years Heading US Equity and ETD trading (listed options futures).

 

Before joining FlowBank, she was responsible for different units at SYZ Bank, one being deputy Head of Trading. Valérie has gained great experience in asset management as the Head Trader for the Oyster Fund. Her other achievements include managing migrations for SYZ Group. She is been shortlisted for the "Multi-asset desk of the year” at the Leader in Trading 2018.

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Mélanie Leszek

Head of Human Ressources

It's the people who are the heart of FlowBank. As Head of Human Ressources, Mélanie knows this very well. She joined FlowBank in 2019 after overseeing the HR for the Swiss headquarters of ADB Holdings. Before that, she held various HR positions in Geneva/Vaud for Interman SA, Randstad and Hotelis SA. She is a professional in all matters related to the people of FlowBank and always has an ear for the needs of our employees.

Board members

Thomas Steinmann

President of the board of directors

Michel Broch

Vice-President of the board of directors

Yves Perréard

Member of the board of directors

Pierre Zach

Member of the board of directors

Thomas Steinmann

President of the board of directors

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

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

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

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.

Meet our employees

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Join our Team

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