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About us

Who's who?

Management Committee

Thierry Ternier

Chief Executive Officer (CEO), Thierry Ternier is Chair of the Executive Committee and a Member of the Board of Directors of Arkéa Direct Bank.

Born in 1965 in Furnes, he holds a degree in commercial engineering from Ghent University and a master's degree in accountancy from Vlekho Business School in Brussels. He began his career as a portfolio manager for Unilever. In 1991, he joined the insurance company Groupe JOSI as an asset liability manager and investment manager. In 1993, he became CFO and member of the Executive Committee of RealBank (formerly Banque Commerciale de Bruxelles). Since Keytrade Bank merged with RealBank in 2002, Thierry Ternier has been Chair of the Executive Committee of Keytrade Bank and CEO.

Marie-Ange Marx

Chief Operating Officer (COO), Marie-Ange Marx is a member of the Management Committee, managing director and in charge of operational activities at Keytrade Bank.

Born in 1969 in Maastricht, she studied in Belgium, earning a law degree from the Vrije Universiteit Brussel (VUB). She furthered her knowledge by gaining a master's degree in European Community Law (LLM) at the College of Europe in Bruges.

Marie-Ange Marx began her career as a lawyer at De Backer & Associés and became a member of the Brussels Bar. In 1999, she joined Keytrade Bank to oversee the development and management of Keytrade Luxembourg S.A. She returned to the parent company in 2003 in the role of Compliance Officer, until she was appointed COO in January 2007.

Vincent Questiaux

Chief Information Officer (CIO), Vincent Questiaux is a member of the Management Committee and in charge of the IT platform of Keytrade Bank.

Born in 1974 in Nivelles, he gained a master's degree in electrical engineering from the Université Catholique de Louvain (UCL).

Vincent Questiaux began his career at Accenture and later became senior Product Manager at SWIFT. He then held the post of Chief Operating Officer at Gambit Financial Solutions before joining Keytrade Bank in 2014.

Katrien Berghs

HR Director, Katrien Berghs is HR Director and member of the Management Committee of Keytrade Bank.

Born in Genk in 1974, Katrien Berghs graduated with a law degree from the KU Leuven. She then obtained a master's degree in Social Law at the Vrije Universiteit Brussel (VUB).

Katrien Berghs started her career in 1999 as an assistant at the Institute for Employment Law at KU Leuven and as a lawyer at Linklaters at the Brussels Bar. Since 2006, Katrien has been active in various HR management positions at Delhaize Group, Loyens & Loeff Advocaten and Adecco Group. In 2019 she started working at Keytrade Bank.

Jean Rapoport

Chief Financial Officer (CFO), Jean Rapoport is a member of the Executive Committee and responsible for the Finance & Risks functions of Keytrade Bank.

Born in Brussels in 1988, Jean Rapoport graduated with a Masters in Management Engineering from the Solvay Brussels School of Economics & Management (Université Libre de Bruxelles).

He began his career as a financial auditor at PricewaterhouseCoopers. Afterwards he joined the financial department of AXA Belgium. In 2014, he joined Fortuneo Bank as Financial Manager. After the merger of Fortuneo and Keytrade Bank, he became responsible for the deployment of management control of the merged entity, then was appointed CFO of Keytrade Bank in November 2017 and took over the management of the Risk functions in September 2019.

Maria-Cristina Melan

Head of Transformation and Testing, Maria-Cristina is a member of the Executive Committee of Keytrade Bank.

Born in 1980 in Brussels, she obtained a master’s degree in economics with distinction from the Catholic University of Louvain (UCL).

Maria-Cristina has worked in consultancy for twelve years, including seven years at KPMG Belgium. Throughout her career, she has worked in changing environments, from IT transformation to organisational and process review. With over fifteen years’ experience, primarily in the financial services industry, Maria-Cristina has gained extensive experience of working in changing environments.