Below market-rate pay. By far, the most incompetent, inept management I have come across in my career, thanks to the top-heavy organizational design preferred by the French. Bureaucracy and red tape prevent real work and innovation from occuring. Seriously, do not waste your time at this place. Also, please disregard the completely biased and factually incorrect review posted in February 2014 by senior management (yes, we know who you are). Ask any current or former employee, and they will undoubtedly tell you that joining Dexia was the biggest mistake of their career (unless they are French).