Alvaro Morales

Financial executive and entrepreneur with 30+ years of experience leading private-banking and wealth-management institutions across the US, UK, Spain, and Switzerland.

As Founder & Chairman of Flanks, I lead the company’s technology, product, and AI strategy while guiding our mission to redefine how financial institutions access, aggregate, and interpret client data under PSD2 and open-finance standards. My focus is on building compliant, scalable technology that bridges innovation and governance.

I also serve as an Independent Board Member at Banesco USA, chairing the Audit Committee and serving on the ALCO, Compensation, and Risk Committees — supporting the bank’s modernization in governance, risk culture, and digital resilience.

Previously, I held multiple CEO and global leadership roles at Santander Group, including Global Head of Private Banking. I managed > $250 billion AuM across 12 countries and led major M&A integrations and digital-transformation programs in the post-crisis era.

My professional focus lies at the intersection of finance, technology, and governance — helping institutions evolve responsibly, leverage AI with purpose, and sustain long-term value creation.

Academic background combining engineering, finance, and innovation: MIT Sloan (ACE Program 2018), IESE MBA, and Master’s in Computational & Mathematical Engineering (Summa Cum Laude 2022).

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