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Luxembourg, Luxembourg
Clément is a Senior Manager in Banking Regulatory Compliance.
Since he joined EY Luxembourg in 2015, he has been focusing on serving Luxembourg banks, payment institutions and fintechs in the fields of digital payments, regulatory compliance, and new technologies (including instant payments, crypto-assets and open banking).
He also has deep experience in Banking regulatory matters, including sustainable finance and personal data protection.
Prior to that, Clément obtained a Master in Management at Kedge Business School (FR) with a focus on Finance, and a double Bachelor in International Business Administration at Nottingham Trent University (UK) and Kedge Business School (FR).
How is Clément building a better working world?
Clément believes in investing in younger generations. He knows that a diverse and healthy working environment is vital not only for the firm's operations but also for delivering long-term value to clients.
Thus, he puts a strong emphasis on ensuring that knowledge is grown and shared at all levels with a view to strengthen the expertise and the well-being of his team.
Clément's latest thinking
Payment fraud on the rise: Regulator pushing various initiatives to support clients and industry
In one of its latest reports, the European Banking Authority (EBA) has highlighted a surge in impersonation fraud and sophisticated online and social scams, often leveraging new payment methods such as instant payments. As instant payments become widely available, the EBA reports that, back in 2022, fraud rates for instant credit transfers were on average 10 times higher than for regular credit transfers. With the rise of social media and advanced scamming techniques, banks are increasingly confronted with a type of fraud called Authorized Push Payments (APP).
19 Feb 2025
Vanessa Müller
Everything you need to know about payment service providers in Europe and Luxembourg
Our comprehensive brochure, available in English and Chinese, delves into the importance of Payment Institutions (PIs) and Electronic Money Institutions (EMIs), explaining their roles, regulatory frameworks, and the benefits they offer over traditional banks.
20 Dec 2024
Romain Swertvaeger
MiCA's Full Effect Drops: Take the Next Step into EU Financial Digitalization
December 30 not only marks the upcoming new year, but also brings the second part of the EU’s MiCA Regulation into effect. Consequently, 2025 will greet industries with requirements around CASP licensing and market abuse prevention, aimed at strengthening and legitimizing the European crypto-asset market. As Bitcoin has breached the USD 100,000 cap, investors and financial institutions (FIs) are once again turning their attention to crypto-related products, making MiCA's timing ideal.
18 Dec 2024
Romain Swertvaeger