Chief Executive Officer (CEO)
Frédéric Lavenir was born in 1960 and graduated from École des Hautes Études Commerciales (HEC) and Ecole Nationale d'Administration (ENA). He is Vice President of France's Association for the Right to Economic Initiative (ADIE).
After serving as a Finance Inspector from 1986 to 1990, he joined the French Treasury, initially as head of banking regulations and then as director of the insurance company office. In 1995, he was appointed Secretary General of the Interministerial Committee for Industrial Restructuring (CIRI), then served as Deputy Director of the Office of the Minister of the Economy and Finance from 1997 to 2000.
He joined BNP Paribas in early 2001 as Chief Operating Officer of BNP Paribas Lease Group and was named the business line's Chairman and Chief Executive Officer in 2002.
From January 2007 until his appointment as Chief Executive Officer of CNP Assurances (September 2012), he was Head of Group Human Resources at BNP Paribas and a member of the Executive Committee.
Deputy Chief Executive Officer
Xavier Larnaudie-Eiffel was born in 1958 and is a graduate of Institut d'Etudes Politiques de Bordeaux and Ecole Nationale d'Administration (''Henri-François d'Aguesseau'' class of 1982). During his career as a senior civil servant, he held positions at several prefectures, before becoming Principal Private Secretary of the Junior Minister for Research and Higher Education in 1986. In 1988, he joined the French Treasury, where he held various international positions, before becoming advisor to the Minister of the Economy on matters related to Europe and economic development in 1993. In 1994, he was appointed junior director of the Treasury's Insurance department, with responsibility for insurance industry regulation and supervision.
From 1995 to 2000, he was Principal Private Secretary for the European Commissioner for economy and monetary affairs, devoting most of his time to preparing the introduction of the euro. In March 2000, he became Vice Chairman of Solving International and, as such, member of the Management Committee and Executive Board, with specific responsibility for the financial services and banking industry in Europe and Brazil.
A member of the CNP Assurances Executive Board since December 2003, he has been Deputy Chief Executive Officer since 10 July 2007.
Deputy Chief Executive Officer, Finance (CFO)
Antoine Lissowski is a graduate of Institut d'Etudes Politiques de Paris and Ecole Nationale d'Administration ("Henri-François d'Aguesseau" class of 1982).
He began his career with Caisse des Dépôts et Consignations as manager of foreign currency treasury transactions and eurocredits. In 1985, he joined the French securities regulator (Commission des Opérations de Bourse), where he led the first working groups on ethical practices in the financial services industry. In 1988, he moved back to Caisse des Dépôts et Consignations, as head of business development on the bond and money markets. In 1990, he was appointed Managing Director of Caisse Autonome de Refinancement (CAR – Caisse des Dépôts Group). In this position, his priorities included match funding very long-term assets and developing a financial R&D activity. In 1993, he became Finance Director of the Caisse des Dépôts' Banking and Financial Services unit. In December 2000, he was appointed Finance Director of the newly formed CDC Ixis and in May 2002 he joined the company's Executive Board as Director, Proprietary Trading.
In December 2003, he became a member of the CNP Assurances Executive Board,Chairman of the economic and financial plenary commission of the French Federation of Insurance Companies (FFSA) and Chairman of the Solvency II steering committee of the European Insurance and Reinsurance Federation (CEA). Since 2007, Antoine Lissowski has been Deputy Chief Executive Officer, Finance, of CNP Assurances.
Group Chief Actuary
Thomas Béhar is a graduate of the Ecole Polytechnique (1990) and the ENSAE (French national school for statistics and economic administration), and is a qualified actuary of the Institut des Actuaires. Distinguished by the rank of Ingénieur Général des Mines, Thomas Béhar began his career at the Commission de contrôle des assurances (CCA). In 1999 he joined the Caisse des Dépôts et Consignations as Manager of Strategic Monitoring, Insurance and Pensions.
He joined CNP Assurances in 2002 as special advisor to the Head of Partnerships and Commercial Development. He was appointed Director of Steering and Management Control in 2003, Chief Accountant France in 2006, and director of the Finance Roadmap programme in 2012. Thomas Béhar was appointed Chief Actuary Officer in October 2011 and became a member of the Executive Committee in September 2013.
Chairman of the Institut des Actuaires, he has been a member of the Executive Committee of the International Actuarial Association (IAA), and the advisory board of the Insurance and Reinsurance Stakeholder Group (IRSG) of the European Insurance and Occupational Pensions Authority (EIOPA), and he sponsors the International Actuarial Association’s Solvency II project. He is a lecturer in actuarial studies (insurance and pensions) at the Centre d’études actuarielles at the Institute of Statistics (ISUP, Paris VI University), the ENSAE and Paris Dauphine. He is also co-author of "Assurance: comptabilité, réglementation, actuariat", published by Economica in 2002.
Head of the BPCE Partnership business unit
Thomas Chardonnel, graduated from the Ecole Supérieure de Commerce de Paris in 1994, and started his career as Head of Management Control and Reinsurance at GAN’s offices in Hungary. He then worked in the commercial development sector at SCOR Vie (emerging markets in central Europe and the Middle East) before joining General Electric Assurance (Genworth) in Madrid where he was Commercial Director with responsibility for developing loan protection insurance for the Spanish market. He joined CNP Assurances in 2005 and has held several positions within the Bank Customer division (Loan Protection Insurance): Commercial Development Manager, Customer Services Director and then Deputy Director, Steering.
In July 2013, he was appointed Head of the "Caisse d'Epargne" partnership division and interim Head of the Patrimonial Networks partnership. Since April 2, 2014, he has been Head of the BPCE Partnership business unit.
Head of the Latin America business unit
Thierry Claudon has a Master's degree in economics and business management from the University of Rennes, and a postgraduate qualification in management and strategy from CP-HEC Paris.
He started his career in an insurance and legal protection company as profit center manager.
He joined CNP Assurances in 1991 as External Audit Manager and Deputy Director, Loan Protection Insurance.
In 1995, he set up CNP Argentina Cia de Seguros de Vida in Argentina and was appointed its CEO, before joining the Caixa Seguradora (formerly Caixa Seguros) group in Brazil in 2001, where he is currently CEO. Since April 2, 2014, he has been Head of the Latin America business unit.
Head of the Open Model Business Unit
Yves Couturier, trained as an actuary, is currently Head of the Open Model business unit for CNP Assurances.
He is vice-president of the BCAC (Bureau Commun des Assurances Collectives) and a member representing the FFSA at the monitoring and proposals committee of the AERAS Convention.
He began his career reinsuring people on the world market, until 1986, when he became managing director of the company Vie Plus and its subsidiaries and sister organizations, which became GE Assurances when it was bought by the General Electric group.
He joined CNP Assurances in November 2002.
Corinne Gouthière, the Company Secretary of CNP Assurances since April 2014, was previously Head of the Policyholder Services Department. Prior to that, she held a variety of positions: Director of Risks and Compliance from 2007 to 2011, Director of Risks and Internal Control from 2002 to 2007, Managing Director of GIE ANTICIPA-Groupe Caisse des Dépôts from 2000 to 2002, Director of Regional Structures at CNP Assurances from 1996 to 1999, Director of the Technical Department at CNP Assurances from 1992 to 1996 and Director of the Human Resources Department at CNP Assurances from 1988 to 1992. From 1984 to 1988, Corinne Gouthière was a civil servant, working as Chief Clerk in the Financial Services Division at the French Ministry of Defense.
Corinne Gouthière is a former student of the Ecole Nationale d’Administration, a graduate of the Institut d’Etudes Politiques de Paris and holds a Bachelor’s Degree in Economics. She is also a graduate of the Institut des Actuaires Français.
Group Human Resources Director
Bérengère Grandjean, has spent most of her professional career in banking, where she first held a number of positions with responsibilities in organization, marketing and communication.
Between 2000 and 2009, she was successively DHR at two banks, BICS Banque Populaire and BRED Banque Populaire, before becoming Director of Human Resources at Groupe Banque Populaire.
Before joining CNP Assurances, Bérengère Grandjean was director of Social Policies and Affairs at Groupe BPCE from July 2009.
Bérengère Grandjean is a graduate of the Institut d’Etudes Politiques de Paris.
Group Chief Risk Officer
Marie Grison was appointed Head of the Consolidated Risk Department at Natixis in 2010 after holding other risk management positions at Natixis (2006-2010).
She began her career in the General Inspection division at Crédit Lyonnais and then in the capital market sector (front office and risk management). She is a graduate of the Ecole des Hautes Etudes Commerciales (HEC Paris).
Head of the Social Protection and Services business unit
Magaly Siméon has a degree [DESU] in coaching from Paris 8, a university diploma [DEUG] in psychology from Paris 8, and a diploma in business administration and finance [DESCAF] from the ESC Toulouse; she began her career at CNP Assurances in 1989 where she was Customer Audit Manager and Head of "Specialist Financial Institutions" before joining Gras Savoye in 1999.
In 2012, she was appointed Head of Life Insurance at Gras Savoye and a member of its Executive Committee. She had previously held several positions at Gras Savoye, including Director of Strategic Projects and Transformation (2011-2012).
Head of La Banque Postale Partnership business unit
Martine Vareilles has a doctorate in mathematics and a postgraduate diploma (DESS) in information technology and statistics. She is also a member of the Board of Directors of the Institut des Actuaires and studied marketing at the INSEAD business school. After starting her career at Abeille Paix Réassurance in 1984 as head of life insurance, she joined Assurances Générales de France (now Allianz) in 1987, where she held various positions before being appointed Director of Group Pension Services.
In 2006, she joined La Mutuelle Générale as Technical Director of LMG and MNT, two mutual health insurers within Mutaris. From 2007 she was Assistant Director of Insurance and Development, and member of the Board of Directors. She joined CNP Assurances in November 2011 as Head of the La Banque Postale partnership division. Since April 2014, she has been Head of the La Banque Postale Partnership business unit.