Financial Services
Technology, Information and Media
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David R

Experimented Chief Transformation, Data & IA Officer

About Me

As specialist in Banking/Finance/Insurance for over 15 years, I have : • worked as a consultant and director / partner in a consulting firm for nearly 10 years ; • been a manager, manager of managers, and member of the Executive Committee (in two institutions) in France and internationally ; • served as an interim manager for over four years ; I have developed strong leadership, initiative, and strategic thinking, as well as recognized expertise in the following areas : • Data, innovation, and AI, having held the position of Chief Data Officer (CDO) in three banks and led a research center: o Data & AI strategy (priorities, roadmap, use cases, target architecture); o roles, processes, and governance; o AI governance framework (including GenAI): principles, risks, compliance, committees, and use case arbitration; o regulations; o data platforms and industrialization of business applications. • Strategic transformation, governance, and technology investment programs (budgets >€20M, >400 employees) - former Chief Transformation & Technology Officer: CTO, Program Management: o Strategic aspects, roadmap, governance, PMT (Project Management Tool), budget and forecasting cycles, governance and best practices; o Management of large, cross-functional, multi-business, and international projects, monitoring of the program portfolio, progress, and adherence to commitments made during the investment committee meetings (scope, study, framework, schedule, cost, ROI); o Leadership aspects, strong communication skills/ability to build consensus: ability to simplify complex concepts for senior management, address specific topics with technical teams, and thus be the cornerstone for the progress of various projects. • Team leadership: manager and manager of managers in France and internationally, member of the Executive Committee, former Associate Director in a consulting firm, interim manager for nearly 4 years ; • Risk management, credit, financial performance management, and regulations (stress tests, ESG, climate risks, CRBF9702, Basel, CRR, CRD, BCBS239, DORA, GDPR – CNIL certified); former Deputy Director of Risk and Head of Modeling and Data Science teams; • Specialist in banking, finance, and insurance (particularly credit, performance management, and risk), insurance, and wealth management • Expertise in M&A, work in restructuring (acquisition of banks for Barclays France --> Milleis Banque and HSBC France --> CCF), due diligence.

Jurisdiction

France | Luxembourg | Switzerland | Belgium

Experience

Seniority LevelExecutive
Years of Experience15-20 years
Current StatusActive
AdvisorThird Bridge
2024 - Present

Advising major investment funds to help them make better investment decisions at various stages of the investment lifecycle, from idea generation to evaluation and due diligence : Sector analyses (primarily banks/banks specializing in wealth management) ; Qualitative analyses (customer behavior, products and distribution channels, maturity/obsolescence of information systems, use of data and AI, competition, revenue, etc.).

Program DirectorAG2RLM
2023 - 2024

Program Director within the AG2R La Mondiale platformization program which is part of 2 business plans. Supervision of 4 streams: Distribution, Customer Relations, Marketing, Management & Remuneration ; Management of forty projects, €40M budget, >200 employees involved ; Implementation of a new CRM and a new omnichannel and multi-product offering ; Referent to general management and correspondent between the project structure and business units ; Management (sponsors, corporate ambitions, trajectories, membership, organization, budget) ; Link with data teams and traditional AI (verbatim analysis) and generative AI experiments.

Chief Transformation OfficerCCF (ex HSBC France)
2022 - 2023

My Money Bank is one of the major players in the consolidation of loans in France and overseas. My Money Group has been pursuing a business development strategy since 2018, through the acquisition of the Retail Banking & Wealth Management activities of HSBC France while continuing to rationalize and simplify its structure. In this context I serve as Transition Director. Chief Transformation Officer (January to august 2023) Oversight of strategic transformation, governance and technology investment programs. The projects aim to provide new technological tools & processes to improving performance, productivity and service quality. Supervision of thirteen strategic programs (>20M€ budget) ; integration of HSBC France Retail Banking & Wealth Management activities and achievement of certain key milestones of this program (build, tests, ACPR presentation, drafting of Target Operating Models, policies and procedures, strengthening of teams through recruitment more than 60 employees); Implementation of project governance deployed within the entire Group; Support for employees (Product Owners training), animation of functions (Guilds); Simplification and upgrading of regulatory processes (KYC, GDPR); Management of technological obsolescence and cybersecurity, governance relating to cloud storage; Monitoring of the program portfolio: progress, compliance (scope, study, framing, planning, cost, ROI).

Chief Data OfficerCCF (ex HSBC France)
2021 - 2022

• BCBS239: Responsible for adapting regulations to the size of the institution (implemented in three institutions), covering all pillars with a focus on governance, security, usage, completeness, quality, and reporting; • Data quality: Implementation of an automated data verification tool and a remediation governance framework (RACI matrix, methodology, reporting); • Data security: Development of procedures and collaboration with the CISO; • Reporting: Provision of automated reporting and data visualization tools (tables, Qlik Sense); • Data strategy and roadmap; • Responsible for data policy, governance, organization, and project management; • Data governance: Support for data knowledge completeness (business dictionaries) and data security; • Data analysis and quantitative modeling: Former quant and model/data science manager; • Data confidentiality: Management of the GDPR compliance project; • Defining the architecture and the cloud (AWS). • Data training and acculturation: popularizing data issues at all levels (Executive Committee, Stewards);

PartnerAdamantia consulting
2020 - 2021

Within Adamantia, a consulting firm in Management and Organization expert in Finance, I develop the activity and the expertise on transverse functions: risk, finance, data. In addition to these activities, I co-manage a research center (Adamantia Research Institute) and lead partnerships with schools, research centers, CIR and internal projects (climate risk, prospective studies, quantitative applications on banking portfolios). I supervise a team of consultants, manage missions, lead business development, recruitment, internal activities and support clients in three main areas: Transformation and culture and support Regulatory : from the genesis of regulations to their implementation Innovation: as much on technological subjects, issues around Data and digital transformation

Deputy Chief Risk Officer then Chief Data Officer Milleis Banque (ex Barclays France)
2018 - 2020

Within Milleis Banque, a new bank resulting from the takeover of Barclays France by an investment fund, I accompanied its restructuring to ensure its development. My missions as deputy Chief Risk Officer then Chief Data Officer attached to a member of the Executive Committee were : Creation and supervision of datascience risk management and datascience CRM poles ; Risk management (pillar I, II and III credit) ; Pilot of the project to set up a Business Intelligence ; Implementation of Data Governance (comitology, integrity, security, data quality) ; Ensure the relationship with the audit and regulators (Auditors, Board of Directors, ACPR) ; Support to departments on data aspects, models and operational management ; Support to marketing and sales departments on strategy and development.

Chief Data & Risk Officer / models, datascience, credit and collection Crédit Agricole Group
2016 - 2018

Crédit Agricole Group has seven Universal Bank in foreign territories. My role as quantitative manager, attached to the Director of Credit, is to ensure the management, the proper functioning and the performance of these subsidiaries. Thus, my main missions were : Supervision of the credit process and the recovery mechanism ; Management of risks and Non-Perfoming Loans in the context of the crisis in Italy ; Optimization of operational and commercial efficiency ; Support for the quantitative and regulatory systems of banks (local supervisory bodies) These missions made it possible to bring all the subsidiaries into compliance with IFRS9, strengthen Crédit Agricole's positions in Italy through the purchase of three banks and improve operational performance by 20

Risk ManagerLCL
2010 - 2016

As head of division within the Modeling team of the Risk Department after having been a consultant there, I carried out : Quantitative management of credit risk and maintenance of the Basel II system ; The overhaul of LGD models and provisioning and communication with the regulator ; AQR (Asset Quality Review) and FINREP (FINancial REPorting) exercises ; Supervision of employees and trainees ; Exchanges with validation and audit bodies (Validation, General Inspection, Tax.) ; The calculation of the CVA on market transactions ; The implementation of a corporate rating calculation engine ; Work on operational risk (collection of losses and backtesting). My intervention notably allowed an approval in the IRBA method and a gain in RWA of 20%.

Education

Masters of Actuarial scienceConservatoire National des Arts et Métiers
2014 - 2014
Masters of Statistics and EconometricToulouse School of Economics
2010 - 2010

Certification

Total Certifications3

ITIL

ITIL

2025

RGPD

CNIL

AMF

AMF

Skills

Core skills0
Languages2

Languages

English
French