TEAM
Philippe has developed a client base of institutional and UHNWI clients over the past 20 years. He began his career specializing in hedge funds, first at ABC Arbitrage AM and Avendis IM, where he acquired expertise in equity markets, equity derivatives, exotic credit, and the securitization of receivables backed by corporate and real estate obligations.
He then continued his career at larger institutions, including Banque SYZ & CO (3A) and Barclays Wealth (Switzerland), where he was responsible for developing and managing a pan-European French-speaking HNW and institutional client base for alternative and absolute return investment portfolios.
In 2014, he founded Mosaic with the aim of supporting entrepreneurial investors in structuring their real estate portfolios and quickly became involved in large-scale transactions.
Philippe is a CAIA charterholder. He holds an MBA in Finance from J. Mack Robinson College (GSU) and a Master’s degree in Finance from Toulouse GSB.
Oscar is a graduate of EDHEC Business School (MSc in Corporate Finance and Banking). Before joining Mosaic RE Finance, he worked at EIFFEL Investment Group as an analyst in the Business and Client Development team on private equity, private debt, infrastructure and listed equity and credit funds. He holds a Double Degree in International Business (Northumbria University).
Jean-Philippe has developed over more than twenty years a highly specialized expertise in commercial real estate financing. A graduate of ESSEC Business School, he began his career in corporate finance with the Accor Asia-Pacific Group, where he gained international financial experience. He then joined Alliance Hospitality, focusing on financial engineering and project management, before moving to Brake France, where he worked in management control and performance management. Leveraging a strong and well-established network within the real estate industry, he co-founded Mandiri in 2005 and has since helped grow the firm around a clear strategic focus: financing solutions for real estate professionals and private investors. Jean-Philippe holds the MRICS (Chartered Surveyor) designation.
Extended team
Noel Ryan
Senior IT Consultant / Infrastructure & Microsoft Specialist
Irish native based in Geneva with 40 years of hands-on IT experience, from MS-DOS through to Windows Server 2025.
Strong background in Microsoft environments and Microsoft network solutions, SQL Server, networking (LAN/WAN design and operations), Microsoft 365 administration, and hardware. Specialist in Veeam backup solutions. Also works with Microsoft 365 Copilot and the AI tools built into Veeam — setup, day-to-day administration, and using them to diagnose and manage systems and backups.
Known for practical, methodical problem-solving across servers, networks, backups and day-to-day operations for organisations in Switzerland, France, Monaco, Ireland, the UK and the USA.
Laurent Ruiz
Office Manager
Laurent is Office Manager at MOSAIC INVESTISSEMENTS. A holder of the DECG, the French equivalent of the CPA qualification, he keeps the organisation running smoothly and makes the team’s day-to-day simpler, faster and more efficient.
He works across administrative, HR, accounting and organisational matters, coordinating with internal and external contacts alike.
Known for his versatility, responsiveness, rigour and interpersonal skills, he finds practical solutions, anticipates needs and moves things forward efficiently — always with the quality of service to clients and partners in mind.
Cécile Emmanuel-Bernieri
Administrative Support, Marketing & Strategy
Cécile supported the development of the company from the outset in 2014. A graduate from Grenoble Graduate school of business she holds a major in marketing and communication. After a start in Tier 1 Global as well as local advertising agencies in Luxembourg and Lyon she participated in the management of some key real estate investments for the family group and supported Philippe and the team in administrative , accounting and business management functions.