Raphael Houmard

Raphael Houmard has extensive experience in the banking and finance sector, currently serving as a Trainer and responsible for the "Formateurs pratiques bancaires" training cycle at CYP since October 2012. Additionally, since January 2016, Raphael has been an external instructor for SAQ certification at BCV - Banque Cantonale Vaudoise, conducting workshops on topics such as Prévoyance and Financements. Raphael's academic career includes roles at Kalaidos Banking+Finance School as a course instructor and expert, focusing on modules related to banking operations and sustainable development. Previous experience includes positions at Banque Privée Espirito Santo, Crédit Agricole Suisse SA, Zurich Financial Services, Lombard Odier Darier Hentsch & Cie, and Credit Suisse. Raphael holds a Master of Arts and a Bachelor of Arts in History and German from the University of Lausanne and various diplomas related to education and banking.