Lawrence D. Howell (“Lonnie”) brings over 35 years of experience in Financial Services and Private Banking. He is the co-founder of EFG International and served as its Chief Executive Officer until June 28, 2011. Prior to EFGI, he served as Head of Americas at Coutts & Co. International Private Banking from 1989 to 1995 and was responsible for all clients domiciled in the Americas as well as all Coutts & Co. offices in the US, the Bahamas, Bermuda, Cayman and Latin America. Before this, he also served as Head of Americas and Asia in Zurich of Coutts & Co. From 1986 to 1989, he served as Vice President in charge of Swiss Super High Net Worth Clients at Citibank Switzerland. From 1985 to 1986 he was with McKinsey & Co. Lonnie served as Chief of Staff for the Head of Private Banking for Europe, Middle East and Africa of Citibank from 1981 to 1984. He started his career as internal legal counsel with Citibank from 1978 to 1981. Lonnie holds a BA and JD from the University of Virginia.

Prior to founding Capital Union Bank in 2013, Clément co-founded Union Capital Group SA in 2006 which has become a highly successful boutique financial advisor specializing in capital markets via derivatives & structured solutions dedicated to the private banking sector in Switzerland, Europe & Latin America. Furthermore, Clément is administrator of Lake Geneva Investments Partners, a Finma regulated asset manager focusing on niche investment strategies currently overseeing AUM’s in excess of $1 billion USD. Clément formerly developed his expertise by working at HSBC Corporate & Investment bank as a derivatives and structured products specialist dedicated to family offices and independent asset managers in Europe. Clement earned a bachelor’s in Business Administration from ESSEC Business School in Paris.