Marie-Frédérique Naud is a graduate of the Institut Commercial de Nancy (ICN). She began her career in 1990 at Société Générale before joining Crédit du Nord, where she held various positions until 2000.
From 2000 to 2008, she served as associate director in charge of the Banking and Financial Services Division at Solucom (formerly Cosmosbay-Vectis). In 2008, she joined Atos Consulting and, in 2010, became a member of the Executive Committee in charge of the Banking and Insurance Division.
In December 2012, Marie-Frédérique Naud joined La Banque Postale as Marketing Director and became Deputy Director of Retail Banking in January 2014. In this role, she initiated and led the Cap Client 3.0 program. Since September 2016, she has been in charge of the Northeast Executive Division of the La Poste Network.