Senior Risk Management Specialist
Description
lemon.markets is a Brokerage-as-a-Service platform that enables FinTechs, banks, and wealth managers to offer investment products through a single API. As part of the dwpbank Group, they aim to make investing accessible to all European customers. The Senior Risk Management Specialist will help scale and develop the company's Risk Management Framework, focusing on operational and non-financial risk, as well as contributing to financial risk topics like ICAAP and ILAAP. The role involves working with Product, Engineering, Operations, and Compliance to turn regulatory requirements into practical, tech-enabled solutions. This is an opportunity to build a mature risk framework in a fast-moving, regulated environment.
Requirements
- Strong hands-on experience in Risk Management within FinTech, banking, audit, consulting, or a similarly regulated environment, with broad exposure across multiple risk domains.
- Solid knowledge of operational and non-financial risk, internal controls, risk governance, and risk assessments, plus a good understanding of financial risk topics such as credit, market, liquidity, ICAAP, and ILAAP.
- Familiarity with relevant regulatory foundations, including MaRisk, DORA, CRR, IFR, and applicable EBA and ESMA guidelines.
- Confidence working with risk management tools, structured documentation, reporting, testing, and validation.
- Ability to translate requirements into pragmatic process or tooling improvements.
- Clear communication in English, and ideally professional working proficiency in German.
- Hands-on, analytical, and collaborative mindset, effective in fast-moving or ambiguous environments.
Languages
English
C2 · FluentA1A2B1B2C1C2
German
B1 · IntermediateA1A2B1B2C1C2
Experience Level
InternEntry LevelMid-levelSeniorLeadExecutive
Benefits
Competitive salary based on experience and value-add.
Flexible working hours with core hours from 12:00 to 16:00.
Hybrid work setup with the ability to work from anywhere in Germany, with on-site presence in Berlin for 4+ days per month for individual contributors.
Personal development support including mentorship, career development framework, and annual learning budget.
People & culture initiatives such as Polaroids, new-joiner breakfasts, and annual offsites.
Perks including a Deutschlandticket for unlimited contracts and 50% off on Beatvest.
Workation: remote work from anywhere in the EU for up to 10 consecutive days, up to 60 days per year.
📍 Life in Berlin
👥
Population
3.6M
⭐
Quality of Life
8.0
🇬🇧
English Friendly
9.0
💻
Tech Scene
9.0
🌍
International
10.0
🚇
Public Transport
9.0
🚴
Bikeability
9.0
🌬️
Air Quality
6.0
🌳
Green Spaces
7.0
🚗
Car Free
8.0
ℹ️
About Berlin
- •Creative and tech hub
- •Diverse neighborhoods
- •Excellent public transport
🌤️
Climate
- •Continental climate
- •Cold winters
- •Mild summers
- •Four distinct seasons
❄️Jan: 0°C☀️Jul: 19°C📅Avg: 10°C
☀️1625 sunshine hours/year
🛡️
Safety
- •Generally safe
- •Higher petty crime than Munich
- •Some areas less safe at night
Overall:7.0
🏥
Healthcare
- •Good hospital network
- •Charité is world-renowned
- •Wait times can vary
Quality: 9.0Access: 8.0
🎭
Culture
- •World-class museums
- •Vibrant art scene
- •Rich history
🎉
Nightlife
- •Famous club scene
- •Diverse nightlife
- •24/7 culture
🏞️
Recreation
- •Many parks
- •Lakes
- •Tiergarten
- •Active outdoor scene
💰
Cost of Living
- •More affordable than Munich
- •Prices rising rapidly
- •Still cheaper than many European capitals
🏠 Rent (1BR center):€1231
⚡ Utilities:€220
🛒 Groceries:€280
🍽️ Dining out:€16
Engagement
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Berlin-based Brokerage-as-a-Service platform offering API-based infrastructure for digital brokerage and custody (fractional trading, real-time processing, ETFs/stocks/funds). Holds BaFin licenses. Acquired by dwpbank (Germany's central securities-services bank) on 30 Sep 2025; remains an independent subsidiary expanding pan-European multi-asset offerings.
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€per year
€20k€250k
Your situation in Germany
The default for anyone single, divorced or widowed.
Only changes the church tax rate — 8% in Bavaria and Baden-Württemberg, 9% everywhere else.
Childless employees over 23 pay a higher Pflegeversicherung (care insurance) rate.