Risk Intelligence Specialist New jobs at Melio in United States, New York

(3 day in-office requirement)

Qualifications:

• 2-4 years of experience in fraud prevention or payments
• “Needle in a Haystack” level of detail orientation
• Ability to contextualize data as it exists in the ‘Real World’
• Ability to adapt to new concepts and situations quickly
• Ability to work independently and make sound, timely decisions
• Highly proactive with strong problem-solving skills
• Fast learner with strong collaboration skills across time zones

Bonus Points:

• Experience in FinTech
• Familiarity with SQL

A day in a life and how you’ll make an impactLosses management responsibilities:

• Maintain and execute procedures around loss and dispute incidents
• Manage tags for loss scenarios and fraud patterns, aligned with Tooling, RiskOps, and Risk Analytics
• Qualitative analysis and summary for weekly losses reporting shared with company leadership
• Ongoing classification of loss incident for recovery efforts and ongoing mitigation enhancements
• Ad hoc case review and summary for internal and external inquiries
• Collaborate with Risk Ops and Recovery teams on improvement initiatives

Monitoring responsibilities:

• Define and label fraud patterns and rings across our user base
• Update and create new alerts based on emerging suspicious/fraud trends
• Conduct daily offline monitoring of high-risk rules, features, and patterns
• Handle payment escalations from our banking partners
• Create reports for suspicious activity cases
• Investigate Dark Web activity in cooperation with Melio’s Security Team
• Collaborate with Risk Analytics, Tooling, Security, and Risk Infra in several scenarios

Day-to-day engagement :

• Perform hands-on risk investigations/analysis and provide insight
• Handle chargeback and loss cases, analyzing, and classifying to transfer to the Recovery team
• Distill and disseminate learnings from losses cases to Risk Ops and Risk Analytics teams
• Review different offline payment alerts
• Handle payment escalation from different teams and banking partners

As ayou’d be joining a small SME’s team dedicated to protecting Melio from bad actors. This team sits at the intersection of operations and infrastructure, bridging the gap between frontline execution and technical implementation. You’ll play a critical role in identifying risks, shaping prevention strategies, handling complex escalations, and ensuring that lessons from past cases directly inform stronger defenses for the future. This role requires a high degree of independence, proactivity, and the capacity to make critical judgment calls in a fast-paced environment. You’ll be expected to learn quickly and work effectively with a team located off-hours.

About Melio USA:

• Competitive compensation packages: We strive to make each and every employee feel valued and appreciated.
• The annual base salary range for this position is $90,000-105,000
• Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
• 401K matching and stock options: Feel the investment of working at a hyper-growth startup.
• Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees.
• Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it.
• Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week.
• Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
• Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities.

Qualifications:

• 1+ years of experience within risk, customer experience or payment operations, ideally in the fintech space
• 1+ years experience working with ZenDesk
• Experience maintaining personal and group KPIs related to capacity and quality
• Excellent interpersonal, collaboration and communication skills
• Demonstrated ability to proactively problem solve and be a top-notch team player

Bonus points:

• Experience working on a global team

A day in the life and how you’ll make an impact:

• Handle frontline fraud and policy decisioning to support ongoing business needs
• Manage escalations related to Risk decisioning through cross-functional collaboration
• Complete Zendesk tickets and written communications related to end users, internal escalations, partnerships or live payments according to relevant prioritization
• Communicate with end users via phone around account recovery efforts
• Create leads for new data sources, processes and segmentation

As a, you’ll be joining the team working behind the scenes to protect Melio from bad actors; managing the risks that might have adverse impacts on our product, financials and our ability to meet client needs. This includes “classic fraud,” but also compliance and anti-money laundering initiatives. You’ll be evaluating the verticals we work with, as well as product features to understand our unique profiles and exposures to risk. This team is focused around extending the coverage of Risk Operations, handling a broad scope of cases that arise during TLV off-hours/days.

About Melio USA:

• Competitive compensation packages: We strive to make each and every employee feel valued and appreciated.
• The annual base salary range for this position is $70,000-85,000
• Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
• 401K matching and stock options: Feel the investment of working at a hyper-growth startup.
• Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees.
• Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it.
• Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week.
• Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
• Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities.

Location: Hybrid in New York City(3 day in-office requirement)

Qualifications:

• Communication Skills: Exceptional verbal and written communication with a knack for persuasive storytelling.
• Organizational Ability: Highly organized with the capacity to manage multiple outreach campaigns simultaneously in a fast-paced environment.
• Willingness to Learn: Demonstrated enthusiasm for professional development, sales methodologies, and industry trends.
• Team Support: Eagerness to collaborate and support senior team members while honing your sales expertise.
• Education & Experience: 1+ years’ experience managing leads, or in another sales/customer-facing, quota-carrying position. A bachelor’s degree or equivalent experience. Bonus points for prior experience working for a fintech startup or a high growth startup is a plus.

A day in the life and how you’ll make an impact:

• Partnering closely with Account Executives to help move qualified pipeline through the sales cycle.
• Making 80-100 calls and sales activities daily.
• Booking 2 to 4 qualified meetings per day with Account Executives.
• Identify potential accounting firm leads through research and market intelligence; execute outbound communication strategies (calls, emails, social outreach) to generate interest.
• Develop and manage multi-channel outreach campaigns that resonate with target accounting firms.
• Schedule and confirm appointments for the sales team, ensuring a smooth transition and a quality hand-off.
• Establish initial rapport with prospects, actively listen to their needs, and effectively communicate the value of our solutions.
• Accurately track all interactions and maintain a robust and organized pipeline using our CRM tools.
• Stay up-to-date on industry trends and continuously improve outreach tactics; seek feedback and mentorship from senior sales professionals.

As a, you will serve as the critical first point of contact in our sales process, driving early-stage revenue growth by identifying and engaging accounting firms. Your primary responsibility is to generate qualified opportunities by prospecting, executing targeted outreach campaigns, and booking meetings for our senior sales team. This role is designed for individuals eager to learn, grow, and eventually advance to more complex sales functions.

About Melio USA:

• Competitive compensation packages: We strive to make each and every employee feel valued and appreciated.
• The annual base salary range for this position is $50,000 - $60,000 with an with an additional bonus component
• Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
• 401K matching and stock options: Feel the investment of working at a hyper-growth startup.
• Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees.
• Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it.
• Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week.
• Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
• Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities.

Senior Associate, Enterprise ComplianceLocation: Hybrid in New York City(3 day in-office requirement)

Qualifications:

• 3-5 years of experience in a regulated financial services environment in a relevant field
• Exceptional communication skills (written and verbal)
• Strong ability to manage multiple projects with competing deadlines
• Highly organized with exceptional attention to detail and follow-through
• Ability to self-direct, form independent judgements, work in a fast-paced environment and adapt quickly
• Ability to interact and build relationships with team members and cross-functional partners
• Strong desire to learn; growth mindset

Bonus points:

• Direct exposure to B2B payments within the financial services industry
• Previous experience in a FinTech environment
• Experience performing risk assessments in a regulated financial services environment
• Experience with metrics and reporting in a regulated financial services environment
• Experience drafting policies and procedures in a regulated financial services environment
• Familiarity and understanding of payment regulations, including money transmitter licenses (“MTL”), credit card network rules and NACHA rules

A day in the life and how you’ll make an impact:

• Work with the Chief Compliance Officer on the creation of a formal governance structure for Melio’s future MTL framework
• Determine which committees and subcommittees are required and recommended based on Melio’s business structure and future requirements. This includes the creation and maintenance of committee charters.
• Create a gap analysis to determine if any policies and procedures are missing or will need enhancements for future MTL’s
• Partner with the compliance and operations teams to establish a cadence for ongoing review key policies and procedures
• Work with key cross functional stakeholders to create a process for ongoing review policies and procedures

About Melio USA:

• Competitive compensation packages: We strive to make each and every employee feel valued and appreciated.
• The annual base salary range for this position is $120,000 - $145,000.
• Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
• 401K matching and stock options: Feel the investment of working at a hyper-growth startup.
• Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees.
• Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it.
• Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week.
• Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
• Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities.

Recovery Associate

(3 day in-office requirement)

Qualifications:

• 2-4+ years of relevant work experience preferably within recovery, collections, or payment operations
• Understands money flows such as ACH, Domestic and International Wires, and Card Network disputes.
• Familiar with compliance and regulations of ACH, Domestic and International Wires, and Card Networks
• Strong communication skills, with the ability to handle high-pressure conversations
• Excellent time management and being able to balance multiple cases at one time
• Driven to take on new responsibilities within a team, while being a great collaborative team player
• Comfortable in a fast-paced startup environment, while being able to stay patient while managing a variety of situations
• Ability to quickly understand and navigate complex workflows
• Self-sufficient and able to work independently with minimal guidance

Bonus points:

• Prior experience working for a bank, tech, fintech startup, or a similar environment driven by the vision and success of the company
• Zendesk, Google Suite, Mac OS

A day in the life and how you’ll make an impact:

• Provide critical support for handling recollection for fraud cases and owed funds
• Partner directly with our banking institutions to optimize the recollection process
• Work collaboratively with internal teams to enhance revenue-driving opportunities for the business
• Work cross-functionally to support both domestic and international payments
• Assist clients with paying all outstanding fees

As awithin our Payment Operations team, you will be integral in helping Melio prevent loss, mitigate uncollected funds, and optimize revenue for the business. By tracking, recording, and recovering uncollected funds and fees, you will be working with our Partnering Banks to recoup funds on behalf of our users. In addition, you will play an essential role in recovering lost funds on behalf of our users and fighting both ACH and card disputes. You will play an essential role in ensuring Melio’s partners have a positive experience and a comprehensive fix to any potential issues.

About Melio USA:

• Competitive compensation packages: We strive to make each and every employee feel valued and appreciated.
• The annual base salary range for this position is $65,000-75,000
• Medical, Dental, and Vision: We offer generous and highly competitive plans with up to 100% employer-paid coverage, FSA and HSA.
• 401K matching and stock options: Feel the investment of working at a hyper-growth startup.
• Wellness: We take a holistic approach to wellness at Melio with a focus on providing financial, physical, emotional, social, and community support for our employees.
• Time Off: Time to rest and recharge is a priority for us. We offer competitive vacation time, sick days, holidays, parental leave and wedding days to allow you to take the time you need, when you need it.
• Food perks: Enjoy our fully stocked kitchens, along with a weekly Seamless stipend and plenty of catered meals each week.
• Office culture: Thrive in our collaborative offices in New York City or Denver, in a hybrid working environment. We are dog friendly as well!
• Growth and development: Lean on the diverse team to foster professional and personal growth through workshops, mentorship programs, and team building activities.