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, 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.
Deputy Chief Executive Officer
Head of the Open Model Business Unit
Head of the Social Protection and Services 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.
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.
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.
Development of creditor and personal risk insurance in Europe
Pierre-Nicolas Carissan, born in 1965, is an engineer by training (Agro ParisTech). He is currently the director of development of private creditor and personal risk insurance in Europe, within the open model business unit. He is the Chairman of CNP Santander Insurance (Ireland) and Vice-President of CNP Partners (Spain).
He joined CNP Assurances in 2001, first occupying positions in the Group's French operations, and in particular having responsibility for the partnership with the Caisses d'Epargne from 2003 to 2006. He then joined the international teams for which, as deputy director, he was in charge of external growth projects.
Previously, between 1997 and 2001, Pierre-Nicolas was marketing and development manager at General Electric in France, within GE Money Bank (consumer credit). He began his professional career in 1990 at Accenture, in the Financial Services division (banking and insurance).
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.
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).
Latin America Business Unit
Laurent Jumelle, 39, is a graduate of the Ecole Polytechnique (1998-2001), the Ecole Nationale des Ponts et Chaussées (2001-2002) and the College des Ingénieurs (2002-2003).
He began his career in 2003 at AGF Collectives as a manager in the personal risk/healthcare department before becoming, in March 2006, the technical director for personal risk/healthcare. In October 2008, he joined Allianz France as director of retirement planning and in February 2011 became director of life insurance partnerships. At the same time, he served as a director of Allianz Global Investors France (2009-2012), Chairman and CEO of Arcalis (2011-2013), and CEO of Génération Vie (2011-2013).
He became head of the Wealth Management Department at CNP Assurances Group in 2014, and joined the Executive Committee in May 2017.
On 31 August 2017 he took on the management of the Latin America Business Unit and of Caixa Seguradora, the Brazilian subsidiary of CNP Assurances.
Chief digital officer
Magali Noé, 45, is a graduate of the Ecole d’Actuaire de Strasbourg, class of 1994.
She started her career in 1995 within the Caisses d'Epargne group where she successively held positions as head of the actuarial department and then of marketing and insurance product engineering. Since 2007, she has been teaching financial mathematics and actuarial life insurance at the University Paris Dauphine as part of a professional masters course.
In 2008, Magali Noé joined the CNP Assurances group as head of product marketing, research and monitoring, before becoming head of wealth engineering and distribution in 2011. In 2013, Magali Noé was assigned to the Chief Executive Officer in her capacity as head of the euro-growth project. On 2 April 2015, she was appointed Chief Digital Officer. She also served as secretary of the executive committee from December 2014 to April 2017.
Magali Noé was awarded the Trophy for female actuary by L'Argus de l'assurance in 2014. She is also committed to the professional advancement of women through the WCD (International), Actu'Elles (Actuarial) and Alter Egales (Caisse des Dépôts Group) networks. She also enabled CNP Assurances to win the Trophy for "best internal strategy for digital business transformation" at the 2016 "Argus de l’Assurance Digitale" awards.
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.