About us

More than a bank, an experience.

Who we are

Flow

Our purpose is to champion every customer’s goals with passion.

Flow

Flow refers to the maximum level of concentration a person can reach when they are fully absorbed in an activity. We are on a mission to give you the Flow in your investing and trading experience. We do this by building tools that are simple, straightforward, and secure.

Innovation

Better, faster, and more powerful platforms.

Innovation

FlowBank aims to reshape customer expectations and set the bar higher for user experience. Through technology, we can offer our clients a unique convenience and competitive edge by delivering better investing and trading tools.

Customer centric

Everything we do is centered around you.

Customer centric

Everything we do is centered around you. With FlowBank you have the freedom to invest on a global scale with low costs and excellent service.

Our Mission: The Flow

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The name FlowBank comes from the concept and definition of the word 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.

our-mission-2

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.

our-mission-3

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.

about-team2

Our founder

about-chs

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.

Management Team

Charles Henri Sabet

Chief Executive Officer

Sergio Verdial

Chief Compliance and Risk Officer

Esty Dwek

Chief Investment Officer

Caroline Puder-Lévy

Chief Marketing Officer

Adrien Cohen

Chief Operating Officer

Sergio Peña

Global Head of Sales & Customer Services

Stéphanie Ichter

Chief Financial Officer

Charles Henri Sabet

Chief Executive Officer

Charles Henri Sabet is the Founder and Chiefof experience. In 1999, he established Synthesis Bank which was the first bank to offer online foreign exchange trading in Switzerland.

Sergio Verdial

Chief Compliance and Risk Officer

Sergio Verdial has accumulated over 17 years of experience in compliance. He served as Head of Compliance at Banque Pâris Bertrand and SYZ Group and as Senior Compliance Officer at Single Family Office and Banque SYZ.

Esty Dwek

Chief Investment Officer

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.

Caroline Puder-Lévy

Chief Marketing Officer

Caroline Puder Lévy has extensive experience in the marketing and communications sector. Prior to FlowBank, she held various senior roles during her 15 years in the watchmaking industry.

Adrien Cohen

Chief Operating Officer

Adrien Cohen has been in the trading industry for more than a decade. Prior to joining FlowBank, he held various Trader and Dealer positions at LCG, ETX Capital, and IG Markets where he managed HNW portfolios.

Sergio Peña

Global Head of Sales & Customer Services

Sergio Pena has 20 years of experience servicing private, HNW and institutional clients. He was Head of Private Sales at Synthesis Bank and Head of Institutional Sales at Saxo Bank. Most recently, he was an Institutional Sales Manager at Cornèrtrader.

Stéphanie Ichter

Chief Financial Officer

Stéphanie Ichter has more than two decades of extensive experience in the financial industry. She held various senior roles at a number of banks, including Bank of America, BSI Europe, and BNP Paribas.

Board members

Thomas Steinmann

President of the board of directors

Michel Broch

Vice-President of the board of directors

Jean-Marie Mognetti

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 New York, 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 an 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 a 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.

Jean-Marie Mognetti

Member of the board of directors

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Pierre Zach

Member of the board of directors

Pierre Zach, a 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 a 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 (Paribas) as an 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.

FlowBank in the media

FlowBank’s investor CoinShares increases its stake

Paradeplatz gets competition – FlowBank’s green wave is rolling into Zurich

FlowBank appoints Esty Dwek as CIO and continues its expansion