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Redefining the wealth management industry
Flanks’ journey:
connecting the wealth dots
Flanks is a wealthtech company redefining the industry through data-led insights and automation. Its modular, all-in-one solution empowers global financial institutions — including banks, family offices, asset managers, pension plans providers, and tech companies — to deliver faster, high-quality, and personalised advice by automatically transforming complex, fragmented wealth data into actionable insights.
Founded in 2019 in Barcelona by Joaquim de la Cruz, Sergi Lao, and Álvaro Morales — former Global Head of Santander Private Banking — Flanks now processes over 500,000 portfolios monthly across more than 15 countries, managing assets worth more than €39 billion.
For more information, contact us.
Flanks’ 6-year timeline
Teams
FOUNDING TEAM

Joaquim de la Cruz
CEO & Co-Founder
Joaquim de la Cruz
CEO & Co-Founder
Joaquim de la Cruz co-founded Flanks in 2019 to modernise wealth management through data and new technologies, and today leads its AI-driven wealth data infrastructure. He was named to Forbes Europe's 30 Under 30 (Finance, 2024) — the only Spaniard in his category — and recognised as WealthBriefing Europe's Rising Star Under 40 (2026).


Álvaro Morales
Co-Founder & Chairman
Álvaro Morales
Co-Founder & Chairman
Álvaro is Co-Founder and Chairman at Flanks. He brings over 30 years in banking, including roles as CEO at Banco Santander Internacional and Global Head of Private Banking at Santander, with board and CEO positions at banks across the US, UK and Switzerland. At Flanks, he leads regulatory relationships, top-tier client engagement, and strategic direction.

MANAGEMENT TEAM
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Sebastian Henrichs
COO
Sebastian Henrichs
COO
Sebastian Henrichs joined Flanks as COO in 2025 to lead its expansion into DACH and the UK. He brings nearly two decades of operational leadership in regulated banking, including six years as CEO of FNZ Germany and Fondsdepot Bank, where he delivered a five-fold increase in shareholder value. With an MBA, CPA/CGMA certifications, and board experience across Germany, Luxembourg and the UK, he now strengthens Flanks' corporate backbone and international growth.


Elena Moñino
Head of Product
Elena Moñino
Head of Product
Elena is the Product Manager Lead at Flanks, has a degree in IT Engineering from Universidad Complutense de Madrid (UCM). With over 20-year of experience in the banking industry and information technology, spanning both private and fintech sectors, she leads Flanks product growth strategy.


Daniela Carranza
Head of Marketing
Daniela Carranza
Head of Marketing
Daniela, Head of Marketing at Flanks, has an MBA from the National University of Córdoba, Argentina. Marketing professional with over 13 years of experience in fintech and tech companies across Latin America. Now, she leads the Marketing team and Flanks' brand strategy.

Flanks by the numbers
+100
Team members
+18
Nationalities
+115
Years in Banking & WM
3
Office locations
Former companies of our team



























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