Corporate Governance

Board of Directors

The Board of Directors is composed of 7 members and it owns the powers for the ordinary and extraordinary administration of the Bank, excluding the ones reserved, by legislation, to Shareholders’ Meeting. The Board of Directors is responsible for strategic supervision, defining the overall governance and organizational structure of the bank, verifying its correct implementation and promptly enforcing corrective measures eventually.

gianmaria seccamani mazzoli

Graduated from Bocconi University in Milan in Business Administration he is a member of the Order of Chartered Accountants and Accounting Experts of Brescia. He works as an accountant, working primarily on corporate law and corporate governance, as well as extraordinary transactions. He chairs the Board of Directors for Guber Banca (as an independent director) and important local companies, as well as being Chairman of the Board of Statutory Auditors for other companies operating in the province of Brescia.

gianluigi bertini

He graduated in Law from the Catholic University of the Sacred Heart of Milan and is co-founder of Guber SpA, now Guber Banca SpA, of which he was successively Chairman and CEO. Today he sits on the Board of Directors as Vice-Chairman in charge of the legal area

francesco guarneri

He graduated in Economics and Business from Bocconi University in Milan and is co-founder of Guber SpA, now Guber Banca SpA, of which he is CEO. He is also a Director of Star Finance Srl, a company controlled by Guber and primarily specialising in the management of assets resulting from bankruptcy agreements. He is also a founding partner of Fondazione Etica, a foundation dedicated to innovation in the social field.

Francisco Milone

Partner & Director of European real estate investments of Varde Partners, member of the Investment Committee, he joined Varde in 2008.
Previously, he worked in Goldman Sachs as associate in Bank Loan Distressed Investing Dpt. and, even before, in Meliorbanca SpA as associate in M&A Middle Capitalization Group.
Graduated in Economics and Business from LUISS University in Rome, Milone also holds an MBA from Columbia Business School.

lorenzo maternini

Graduated in Technology-Enhanced Communication for Cultural Heritage, Lorenzo began his career at New York Guggenheim as new media advisor for educational digital programs. In 2011, after the start of a digital communication agency, he co-founded Talent Garden, become than the leading coworking network and digital educational institute in the European tech scenario. In addition to the role of Vicepresident in Talent Garden, Lorenzo holds the course of “Digital contents management” at the Faculty of Letters from the Catholic University of Sacred Heart of Milan.

carla sora

Graduated from the University of Brescia in Economics and Business, after various experience in companies, including multinationals, as Administrative Manager and Financial Director, she is General Manager of Agroittica Lombarda SpA, a world leader in the production of caviar. She is an independent director of Guber Banca and a contact person for outsourced control functions.

jody vender

Graduated from Bocconi University in Milan in Business Administration, he continued his experience in Bocconi as a Professor from 1977 to 2004. An expert in private equity, corporate finance and financial markets, a Director of several Italian companies, including listed companies, and a Senior Advisor to Chequers Capital, a historic French private equity fund, and Decalia Asset Management. He is a member of the Board of Directors of Guber Banca as an independent director.

Board of Statutory Auditors

The Ordinary Shareholders’ Meeting appoints the standing auditors (three members), from which it elects the Chairman. The Board of Statutory Auditors monitors compliance with the law and the Articles of Association, the principles of correct management and, in particular, the adequacy of the organisational, administrative and accounting structure adopted by the Bank. The Board of Statutory Auditors carries out its auditing activities across the entire organisation and is an integral part of the overall system of internal controls; it is also in charge of AML communications as envisaged by article 46 of the Legislative Decree no. 231/2007.

stefano breno

Graduated from the University of Brescia in Economics and Commerce, he is a member of the Order of Chartered Accountants and Accounting Experts of Brescia, where he carries out his activities within Studio Breno e Sottini, of which he is a partner. He mainly deals with contractual, tax and corporate consultancy. He is Chairman of the Statutory Board of Guber Banca.

pietro piccone ferrarotti

Graduated from LUISS University of Rome in Law at the, he is enrolled in the Register of Lawyers of Rome and in the Special Register of Lawyers authorised to practise before the Court of Cassation and other higher jurisdictions. He is partner of the tax firm Ludovici Piccone & Partners, with offices in Milan, Rome, London and Vienna, where he provides tax advice to Italian and foreign clients. He is a full member of the Statutory Board of Guber Banca.

bettina solimando

Graduated from the University of Verona in Economics and Commerce, she is enrolled in the Register of Chartered Accountants and Accounting Experts of Verona. She is a partner of Studio Pirola Pennuto Zei & Associati, where she mainly deals with tax consultancy. She is a full member of the Statutory Board of Guber Banca.

Supervisory Board

The Supervisory Board monitors the functioning, observance, suitability and soundness of the Organisational Model adopted pursuant to Legislative Decree No. 231/01; as well as the compliance with provisions to prevent the use of the financial system aimed to money laundering and terrorist financing as per Legislative Decree no. 231/2007. It maintains constant contact with the Independent Auditors and the Board of Directors. Finally, it promotes the activation of any disciplinary proceedings.

gian angelo monchieri

Graduated from the University of Brescia in Economics and Commerce, he is a member of the Order of Chartered Accountants and Accounting Experts of Brescia, where he manages his own office. He primarily deals with organization consultancy, corporate compliance and system implementation (ISO, Risk Assessment, Safety).

stefano breno

Graduated from the University of Brescia in Economics and Commerce, he is a member of the Order of Chartered Accountants and Accounting Experts of Brescia, where he carries out his activities within Studio Breno e Sottini, of which he is a partner. He mainly deals with contractual, tax and corporate consultancy. He is Chairman of the Statutory Board of Guber Banca.

renato camodeca

Graduated from the University of Brescia in Economics and Commerce, he is a Chartered Accountant, a member of the Order of Chartered Accountants and Accounting Experts of Brescia, as well as an Auditor. He is Associate Professor of Business Economics at the Department of Economics and Management of the University of Brescia and he is also Delegate of the Rector for the University’s Financial Statements.

Compliance & AML

The Compliance Function manages the risk of non-compliance with the law such as incurring in judicial or administrative penalties, significant financial losses or damage to reputation while the Anti-Money Laundering Function is responsible for preventing money laundering and terrorist financing operations: its main tasks are the identification of the applicable rules and the evaluation of their impact on internal processes and procedures; the verification of the suitability of the Internal Control System and the reliability of the information sent to Archivio Unico Informatico (centralised archive dedicated to AML fulfillments). It is placed in an appropriate hierarchical-functional position and it is directly subordinate to the Board of Directors. It has direct access to the Board of Statutory Auditors.

stefania rossetti

Graduate in Economics and Commerce from the University of Brescia, she developed her ten-plus years of experience in banking at an institution in the Brescia area, holding the positions of Risk Manager and Head of Internal Controls and General Risks first and, later, Head of the General Affairs and Organisation Area and, since 2015, Head of Compliance and Anti-Money Laundering.

Risk Management

The Risk Management Department has the task of actively contributing to the achievement of effective risk management and an efficient risk/return profile, through the identification, measurement and control of Basel 3 First and Second Pillar risks.

Sabrina Pepiciello

She has been working in Guber since 2019, firstly as Chief Lending Officer and from March 2021 as Lending & Operations Department Director. Before that, Sabrina worked for 13 years in Mediobanca Group as Asset Quality Director in Compass Banca and Chief Risk Officer In MBCredit Solutions. She graduated from the University of Milan – Bicocca in Statistical and Economical Sciences.

Internal Audit

The Internal Audit department monitors the regular performance of operations and the evolution of risks with a view to third-level, controls and assesses the completeness, adequacy, functionality and reliability of the organisational structure. It has access to all the activities, including outsourced activities, carried out by the Bank.

deloitte

Deloitte Risk Advisory is specialized in defining and implementing integrated approaches aimed to managing risks and optimizing control system. They have been developing a specific know-how and innovative solutions in order to realize corporate governance systems, analysis and risk evaluations models (including operating, reputational and law- compliance ones, with a specific focus on administrative responsibilities, AML, transparency, privacy, payment system management), reengineering processes, evolution of control functions (Internal Audit, Compliance, Risk Management, etc.) and support them via co-sourcing and outsourcing agreements. Ms. Daniela Saya, Deloitte Risk Advisory partner, is in charge of the Internal Audit function.

Related Parties Committee

The Board of Directors has set up a Related Parties and Connected Parties Committee, aimed to monitor transactions with Related and Connected Parties. The committee is composed of three independent directors.

gianmaria seccamani mazzoli

Graduated from Bocconi University in Milan in Business Administration he is a member of the Order of Chartered Accountants and Accounting Experts of Brescia. He works as an accountant, working primarily on corporate law and corporate governance, as well as extraordinary transactions. He chairs the Board of Directors for Guber Banca (as an independent director) and important local companies, as well as being Chairman of the Board of Statutory Auditors for other companies operating in the province of Brescia.

jody vender

Graduated from Bocconi University in Milan in Business Administration, he continued his experience in Bocconi as a Professor from 1977 to 2004. An expert in private equity, corporate finance and financial markets, a Director of several Italian companies, including listed companies, and a Senior Advisor to Chequers Capital, a historic French private equity fund, and Decalia Asset Management. He is a member of the Board of Directors of Guber Banca as an independent director.

carla sora

Graduated from the University of Brescia in Economics and Business, after various experience in companies, including multinationals, as Administrative Manager and Financial Director, she is General Manager of Agroittica Lombarda SpA, a world leader in the production of caviar. She is an independent director of Guber Banca and a contact person for outsourced control functions.