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Exponens

Banks, Insurance

Securing your organisation to perform

The banking and insurance sectors, which are vital for the economy, are constantly being adjusted by legislators and regulators in order to ensure a more solid financial system and thus protect customers. At the same time, technological developments are bringing new entrants to the market who are trying to shake up existing leaders, leading them to improve their processes and develop new services.


To succeed in these changes while remaining competitive, players in the banking and insurance sector need to be able to rely on experts to help them secure their accounts, processes and decision-making. With a team of dedicated experts, Exponens provides you with this support.

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Did you know?

60%
Percentage of French people regularly using online banking services
60%
Volume of contactless transactions in 2022
10 000 Md €
Total assets of French banks in 2023
370 000
Number of employees in the banking sector in France. There are 150,000 in the insurance sector

Why choose

Exponens?

From Banks and Insurance, our associate experts understand the issues and specific nature of your sector, while having the necessary perspective to advise the general management. They can also rely on a dedicated team.

Their expertise allows us to cover all stages of the life of your structure: initiation, creation of the product (actuarial services/front office), its validation, its processing by the middle/back office, up to its transcription in the tools (project management support, IS audit) or tool changes (IS migration), in finance (finance, accounting, profitability analysis) and compliance control (audit, internal control, compliance).

Discover the Group

An offer adapted

to your challenges

Audit Financial Advice

To secure your decision-making, it is essential to have an expert who is knowledgeable in your sector and is able to give you a true and fair view of your company’s financial health. Thanks to a dedicated, experienced and trained team with specialised sector expertise, Exponens manages statutory audit mandates for numerous life and non-life insurance companies as well as for the market organisations of France Assureurs, the French Federation of Insurance.

In addition to the statutory audit missions, we can provide financial advice on your insurance accounting needs (asset investments, technical liabilities, life and non-life technical flows, etc.).

We provide support to the finance departments of insurance companies in accounting reviews, consolidation, assistance in the IFRS closing and reporting phases, production of financial statements and Quantitative Reporting Templates (QRT), optimisation of accounting processes.

As merger auditors and contribution auditors, we are involved in your portfolio valuation transactions.

We also support the internal audit key function by drafting written policies, carrying out assignments in your audit plan and analysing and monitoring recommendations.

Actuarial services for insurers

We work for the key Actuarial and Risk Management functions by drafting written policies, reviewing technical provisions, data quality, drafting the ORSA, working on the three pillars of Solvency II, assisting with ACPR (French Prudential Supervision and Resolution Authority) controls and risk mapping.

We support the technical departments with product creation, pricing, portfolio monitoring, production and analysis of income statements, inventory and calculation of provisions.

Transformation consulting

Exponens assists the banking and insurance structures in the operational implementation phases of their transformation projects.

Our teams quickly get to grips with the processes in force in order to transpose them into the target environments and tools.

They support your teams on a daily basis ahead of changes and implement the operational security of these new processes.

They guide you in the success of your projects:

  • optimisation/overhaul of processes
  • integration into practice of new regulations and IS alignments
  • securing the quality of financial information
  • accounting IS migration

Internal control Regulatory compliance

Insurance

We support the Compliance key function in the following areas: drafting of written policies, mapping of non-compliance risks, regulatory watch, training, implementation of a document database, ACPR mock audit.

We work with mutual insurance companies and societies, provident institutions, supplementary occupational pension funds, unions, supplementary occupational pension institutions and insurance intermediaries to implement or improve their internal control system.

Bank

Credit institutions and investment services providers (ISPs) call upon us for the following services:

  • Optimising and supporting the compliance function
  • Preventing the risk of non-compliance
  • Optimising control systems
  • Monitoring regulatory changes
  • Support in relations with the supervisory authorities
  • Organising the CBCP/BCP system

Going further

Our expertise in the banking and insurance sector also enables us to support you in other aspects of your organisation or your development:

  • Overview of your organisation/monitoring, control and financial security system before an internal audit or an audit by the regulator·
  • Financial audit before disposal/purchase of an entity
  • Mapping, IS audit before migration or during specific controls
  • Operational support for your teams during structuring projects to ensure daily production or strengthen the project team

Contact our expert partners

All our expert partners
Partner, Chartered Accountant and Statutory Auditor
Master’s degree in Management Sciences from Paris XII University
+33 (0)1 85 34 16 57
nathalie.lutz@exponens.com

Nathalie Lutz preforms legal and contractual audits of listed and unlisted groups. She has developed a specialisation in life insurance, property and casualty insurance, personal insurance, as well as in professional organisations.

She also coordinates the IS Audit, Internal Control and Financial Compliance activities of companies subject to AMF supervision.

Nathalie Lutz is Vice-President of the Development Commission of the National Board of Statutory Auditors (CNCC), as well as a member of the insurance Commission and delegated quality controller of the CNCC.

Within Exponens, Nathalie is a member of the Executive Committee and the Quality & Ethics Committee.

Nathalie Lutz



See CV

Partner, Head of Risk Management and Insurance, Certified Actuary
Graduate of École Polytechnique and the National School of Statistics and Economic Administration (ENSAE)
+33 (0)1 70 64 08 14
philippe.delerive@exponens.com

Philippe Delerive began his career with UAP in corporate pensions and then transferred to UAP’s Group Policies Department as technical manager of personal protection and health plans. In 1998, he joined AXA France’s Health Innovation Department and contributed to the health experimentation project and, in 2001, became AXA Courtage’s Technical and Financial Director for the retail and business market. In 2002, he joined GAN Assurances as Head of Personal Insurance before successively becoming Head of the Paris-Centre-Picardie region in 2007, Deputy CEO in 2011 and finally Chief Executive Officer of GAN Assurances from 2012 to 2016.

In 2017, he joined Exponens as a partner and became head of the Risk and Insurance Department.

Within Exponens, Philippe is a member of the Executive Committee and the Quality & Ethics Committee.

Philippe Delerive

See CV

Sophie Breton

Partner, Chartered Accountant
Graduate of SKEMA Business School Nice

+33 (0)1 49 29 55 38

Paris Gare de Lyon

langues

Sophie Breton joined Exponens in 1994 after two years with KPMG. After taking charge of chartered accountancy assignments in a variety of fields, she set up the real estate department in 2005, providing accounting and tax assistance (bookkeeping, auditing, reporting, tax compliance, due diligence, etc.) for French and foreign real estate companies and investment funds.

In 2008, she initiated the development within the Exponens group of specific expertise in OPCI accounting, which today enables her to offer a range of services specifically dedicated to this type of real estate vehicle. Sophie Breton regularly runs professional training courses on this subject, and participates in the work of the accounting committee of the Association Française des Sociétés de Placement Immobilier (ASPIM).

Within Exponens, Sophie is a member of the Quality & Ethics Committee.

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