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Risk Intelligence Specialist

New York City

Risk Intelligence Specialist
Location: Hybrid in New York City (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 impact

 Losses 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

About the team: 

The Risk & Compliance department protects Melio’s platform and reputation from bad actors. The department is the first line of defense for fraud, policy, and compliance controls. We identify risks that may arise and advise on how to avoid or address them. We also ensure that all users on the platform, and their activities, are compliant.  We’re like that extra coat of armor for the company, making sure Melio is protected from fraudulent and abusive activity.

As a Risk Intelligence Specialist you’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. 

Melio builds business-to-business (B2B) payment tools so small business owners can spend less time in the back office and more time on their craft. As the fastest-growing B2B payment platform in the US, Melio is working hard to find new and better ways to help small businesses succeed in the ways that work best for them.

Melio's diversity, equity and inclusion efforts have always been a top priority within our team. We are an Equal Opportunity Employer, and all of our employees encompass different strengths, experiences and backgrounds. DEI within Melio prioritizes race, gender, age, disability status, veteran status, sexual orientation, religion and many other parts that make up one's identity. Having a diverse team across all offices is key to our success, and inclusion is each #TeaMelio member's responsibility. Melio accepts job applications on an ongoing basis until the position is filled. If you are interested in applying for this job opportunity, please do so directly on our careers page (or if you’re here already, scroll down and apply now!). This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

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