Seriously Simple Swiss Banking
FlowBank is an online bank headquartered in Geneva, Switzerland. The story of FlowBank begins with its founder and CEO Charles Henri Sabet.
A world backgammon champion and tennis player in his youth Charles-Henri Sabet’s passion for strategic games is the precursor to the creation of FlowBank. The story began in 1991, Charles Henri Sabet started to manage money for a few friends in foreign exchange that eventually expanded and led to a banking license in 1999. It was during this time that the technology which enabled retail investors to place trades online began gaining traction in the US.
The turning point came in 2004 when Charles Henri Sabet decided to reorganize his bank to focus on online trading. Renamed Synthesis, it was the first bank to offer online foreign exchange trading to retail clients. The success of Synthesis Bank led to its sale to Saxo Bank in 2007.
Nine months later, Charles Henri Sabet, acquired an online trading platform based in London and the Bahamas.
His global vision of connecting people to global markets is what led to the creation of FlowBank. Since the launch of FlowBank in 2020, the team, headquartered in Geneva, has grown to over 100 people.
The name FlowBank comes from the concept and meaning of Flow. Flow refers to the maximum level of concentration a person can reach when they are focused and absorbed in an activity. This energy and positive experience reflect that of the investor who has the focus and motivation to succeed.
FlowBank is an online bank that connects people to global markets. We believe that everyone should be able to achieve a state of Flow when investing. Our mission is to provide the tools and resources to get there.
We are here to serve the investors of today and tomorrow. Opening a bank account should be as easy and fast as creating an email address. People should be able to invest and trade wherever they are and have all the tools that make it efficient, secure, and cost-effective.
We are a dynamic team that is shaping the future of online banking with original thinking, passion, and dedication. We are on a mission to empower everyone to have the opportunity to connect to global markets and get the best possible experience.
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.
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.
Chief Investment Officer
As a member of the Executive Committee and FlowBank's Chief Investment Officer (CIO), Esty is responsible for the investment strategy of the bank. She also heads the Market Research department and plays a key role in developing the bank's educational offerings, among other things.
Esty Dwek has over 15 years of experience in finance. Most recently she was the head of market strategy for Natixis IM Solutions. Prior to Natixis, Esty was a global strategist with the emerging markets team at Loomis, Sayles & Company.
Esty began her career in 2006 at HSBC Private Bank. She holds a B.A. from Princeton University.
Chief Compliance and Risk Officer
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.
Head of Marketing
Head of Banking Applications
Head of Dealing Desk
Head of Projects
Head of Operations
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.
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.
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.