Finance & Risk Manager

Weprovide the essential building blocks to power any digitalwealth offering from client onboarding to portfolio management and custody, all over API. Service your customers flexibly,easily, and with scalability.

About the company

Wealth Kernel is a VC-backed, award-winning Fin Tech specialising in the wealth management industry. With a commitment to making financial services better and more accessible, Wealth Kernel builds modern, API-driven infrastructure that powers savings, investment, and pension products across Europe.

This role sits within Wealth Kernel Spain A.V., our Spanish investment firm regulated by the CNMV. As part of the Wealth Kernel group, WK Spain plays a key role in expanding our European footprint and ensuring the highest standards in governance, risk management, and financial operations.

Joining us means contributing directly to the growth of a regulated entity at the heart of our European strategy, while benefiting from the culture, ambition, and technology-first mindset of the wider Wealth Kernel organisation.
About the job

This is a senior-level dual role, combining strategic financial leadership with the responsibilities of the Risk Management Function Holder in a CNMV-regulated entity.

The ideal candidate will bring extensive experience in both finance and risk oversight within a Spanish investment services firm, as well as exposure to UK financial services practices.

Key Responsibilities

• Oversee financial planning, budgeting, and forecasting.
• Lead monthly, quarterly, and annual financial reporting in line with Spanish GAAP and CNMV requirements.
• Manage relationships with auditors, tax advisors, and other financial service providers.
• Provide financial insights to support strategic decision‑making.
• Act as the Risk Management Function Holder
• Maintain and develop the company’s risk management framework.
• Conduct regular risk assessments and produce reports for the Board and regulators.
• Ensure adherence to all applicable CNMV regulations and relevant cross‑border requirements.

• Coordinate with Spanish and UK teams on finance and risk matters.
• Monitor regulatory changes in both jurisdictions and advise on implications.

Must‑Have

• 10+ years’ senior finance experience in a CNMV‑regulated ESI/Agencia de Valores or similar financial institution in Spain.
• Proven experience holding or supporting the Risk Management function in a regulated firm.
• In‑depth knowledge of CNMV reporting obligations and Spanish investment services regulation.
• Strong skills in financial planning, reporting, and control.
• Professional fluency in both Spanish and English.

Nice‑to‑Have

• Experience working with UK financial services regulation (FCA).
• Background in fintech or technology‑driven financial services.
• Experience reporting to or working with Boards of Directors.
• Fully remote role.
• Competitive remuneration.
• Opportunity to shape finance and risk strategy in a growing, tech‑focused investment firm.
• We offer a degree of flexibility in working patterns (including the possibility of a reduced‑hours arrangement), provided the role’s regulatory responsibilities and availability requirements are fully met.