Meet the team
Chief Executive Officer
Nicolas is a true insurance professional, with over 30 years of experience in the industry. He has spearheaded major international operations for leading insurers and global brokers. His work has taken him across numerous European countries, with stints in both France and the United Kingdom, as well as some time spent in Israel, the Middle East, and Africa.
His passion lies in driving growth and transformation, fostering a strong team spirit along the way. Surrounded by a talented team, Nicolas has successfully built Howden France day by day, ensuring that clients and partners alike benefit from relevance and expertise.
Deputy Managing Director and Sales Director
Éric is a seasoned professional in the French market with a rich background at Aon, Marsh, and Gras Savoye WTW. Over the past three decades, he has successfully led and energized various entities, spanning ETIs, Risk Management, Social Protection, and Affinity Insurance.
Leveraging his extensive experience, Éric spearheads Howden's growth in France, drawing on his in-depth understanding of diverse customer segments and geographical dynamics of the market.
With a background in management consulting, Delphine has held executive roles for over fifteen years, including Operations Director, within international insurance companies specializing in major risks, such as Chubb.
Now, she passionately leads the implementation of Howden France's growth strategy, overseeing the management, strategy, and organization of the group's support functions.
Chief Financial Officer
With several years of experience in consulting at EY, specializing in the insurance sector, Adrien took on the role of Performance Management Director at the VYV Group.
He then played a key role in the growth of the Wholesale Broker SPVIE as Deputy General Manager before joining Howden France as Finance Director. He focuses on overseeing various acquisition and integration operations with utmost attention.
Head of Human Resources
Julie began her career within the AXA Group, where she progressed through several HR positions in departments undergoing transformation. She later worked at Aon as a Project Manager and HR expert before becoming Deputy HR Director, initially overseeing local operations and then expanding her responsibilities to cover Europe.
As the HR Director, Julie leverages her expertise in the insurance sector and its Human Capital challenges to enhance Howden's employer brand in France.
With a Master's degree from ENASS and an MBA in Management, Risks, and Control from the University Paris Dauphine, she brings over 10 years of valuable experience from her tenure at WTW before joining Howden France.
An expert in international programs and assisting multinational clients, Anaïs leads as our International Director, ensuring top-notch services for our clients in import and export. She plays a pivotal role in fostering synergies between Howden France and the broader Howden network
Regional Director for Brittany and Pays de la Loire
Arnaud is the Regional Director for Brittany and Pays de la Loire. He holds a DESS degree in Maritime Law and began his career in 1999 at DIOT, initially working in claims and later in production in the transportation department. In 2004, he joined the Bolloré Group, where he managed body insurances and P&L for the DELMAS fleet before becoming the Deputy Risk Manager for all group activities and insurance branches, including logistics, transportation, energy, industries, and media.
In 2010, this native Breton returned to Lorient to join Gras Savoye, where he later became the head of the subsidiary in the Greater West region. At the end of 2022, Arnaud joined Howden to expand and promote the brand in the Brittany and Pays de la Loire regions.
Medical and Healthcare Sector Director
Camille is a seasoned professional in healthcare law and medical sector risk management, leading the development of this specialized domain for private and public healthcare institutions, healthcare professionals, and the pharmaceutical sector.
Her background as a healthcare law specialist and her experience in major brokerage firms empower Howden France to deliver a robust expertise and innovative, high-value solutions to the market.
Director of Energy Product Line Development
Caroline Haquet, an accomplished graduate from the French Institute of Petroleum and Engines, holds the position of Director of Energy Product Line Development. With a diverse background at Shell, she gained experience as an engineer in Siberia, a geophysicist in the Gulf of Mexico and Brazil, and a geological engineer in Nigeria and the Netherlands.
Joining Scor Group in 2011 as an Offshore Underwriter, Caroline later assumed leadership of the Offshore Department in 2017, overseeing a team in London and Paris. In 2021, she joined Marsh Group, driving the establishment and growth of the Energy & Power practice in France and the Hydrogen Europe practice.
Caroline Haquet's expertise and dedication continue to shape the future of the energy industry, inspiring transformative solutions.
CEO of CRF Assurances
Didier, the CEO of CRF Assurances, brings over 12 years of managerial experience in Financial Risks with Chubb Insurance Company of Europe, both in France and Southern Europe. He later joined AIG Europe Limited France in 2004, leading the Financial Risks department and subsequently taking charge of the SME-Enterprise Risks segment. Eventually, he became the Executive Director of AIG France, overseeing Personal & Small Business Risks.
In 2012, he assumed the role of CEO at RSA France (Royal Sun Alliance France), and in 2014, ventured into entrepreneurship, contributing to the acquisition of CRF Assurances. After an exciting 7 years, Didier now continues his career as the CEO of CRF Assurances within Howden France.
Director of Financial Risks Department
With over two years' experience at Gerling America Insurance CY in New York, specializing in Liability underwriting, Didier later joined Aon Mergers & Acquisitions Paris as Deputy Director, driving the growth of Insurance Warranty and Tax Opinion products. Progressing to AIG Europe Limited France in 2002, he assumed various management roles in Financial Risk guarantees. In 2010, he took the helm as Director of AIG France's Financial Risks division, extending his leadership to Belgium, Luxembourg, and the Netherlands in 2014.
In 2014, he ventured into entrepreneurship and played a key role in acquiring CRF Assurances. Seven exciting years later, Didier now thrives as Deputy General Manager of CRF Assurances and Director of Financial Lines at Howden France.
Étienne de Font-Réaulx
Étienne de Font-Réaulx
Automobile Department Director
Étienne, an ESC Grenoble graduate, began his career at AXA as a Senior Liability Underwriter for Key Accounts for 3 years. In 2011, he joined Théorème as a Client Manager, specializing in major automotive accounts, before becoming the Director of the Automobile Department (Production, Claims, Technical) in 2015.
Today, Étienne holds the position of Director of the Automobile Fleet specialty at Howden France.
Commercial Director for Key Accounts (IARD)
With a degree from the Higher Institute of Management and a Master's in Mathematics, Richard served as the CEO of Liberty Specialty Markets for 4 years before joining Howden.
Previously, at AIG, he held the position of Deputy CEO, following roles as Director of Financial Risks (D&O, EPL, Fraud, PTL, Cyber, K&R), Commercial Director for France, Key Accounts Director for Southern Europe, and Chief Underwriting Officer for France. Richard also acted as a trainer on Executive Liability at IFPASS and was a member of the Executive Council of FFA.
At Howden, Richard is responsible for driving business development in the Key Accounts segment across all P&C insurance lines.
Director of Social Protection Department
With a Master's in Insurance Management, she expertly guides clients in managing their social protection programs strategically and socially, while adhering to set objectives and legal requirements.
With years of experience, Julie has advised numerous groups across diverse industries, delivering tailored expertise to tackle legal, economic, and social challenges through data-driven decision support solutions.
Regional Director for Rhône-Alpes Auvergne
Mathieu is a graduate of EM Lyon with nearly 15 years of experience in the prominent brokerage industry. Throughout his career, he has held key roles in business development, management, and providing value to his clients.
In 2014, Mathieu became a part of the Diot-Siaci group, where he successfully took on various positions before assuming the role of Commercial Director for Non-Life Insurance (IARD) in the Rhône-Alpes region in 2019. With great agility and a strong sense of pride, Mathieu embodies and promotes the Howden France brand alongside his dedicated teams in the Rhône-Alpes Auvergne area.
Connect with this accomplished professional who leaves a lasting impact and plays a pivotal role in Howden's presence in the region.
Director of Property for ETI/SME/SMI
With a career kick-start at GRAS SAVOYE, Olivier later spent over two decades with Anglo-Saxon brokers, holding roles such as Middle Market Manager. Now, as part of Howden France, he leads the charge on specialized Middle Market Property and Liability for both national and international clients. Olivier's expertise shines in structuring and driving the newly formed team, covering all aspects from regional offices to Paris
Director of the South-West region
With a background as Key Account Manager at Gras Savoye in Neuilly, Paul later became General Manager for their subsidiaries in Cameroon and Côte d'Ivoire. In 2006, he took the helm as Director of the South-West region in France. Seeking an intrapreneurial opportunity, Paul joined Howden France to build and grow the South-West region.
Xavier de Font-Réaulx
Xavier de Font-Réaulx
CEO of Théorème
As a co-founder of THEOREME in 1992, he has been instrumental in expanding the company's expertise in Fire, Accidents, and Miscellaneous Risks (IARD) for businesses, as well as Social Protection. Notably, he holds a unique proficiency in fleet automobile insurance.
Continuing his journey, Xavier actively contributes to the growth and success of Howden France.