Risk Operations Specialist

As a Risk Operations Specialist,  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 standard identity theft, but also account compromise, policy, and platform usage concerns. You’ll be evaluating the different channels and fund flows we work with, as well as product features to understand our unique profiles and exposures to risk. This team supports US workdays.

Qualifications: 

• 1-2 years of proven experience in fraud detection, investigation, or a related field, ideally in the fintech space. 
• 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
• Strong attention to detail and sharpness

Bonus points:

• Experience working on a global team

A day in a life and How you’ll make an impact

• Onboard new customers to Melio’s platform according to business and risk parameters
• Contribute to company revenue protection and sustainable growth by preventing fraud, financial loss, and policy violations
• Handle frontline fraud and policy decisioning to support ongoing business needs
• Manage escalations related to Risk decisioning through cross-functional collaboration 
• Handle tickets and written communications related to end users, internal escalations, partnerships or live payments according to relevant prioritization 
• Conduct QA and monitoring of manual and automatic decisions
• Proactively identify opportunities for new open web sources, process improvements, and enhanced risk segmentation

About the Risk Department: 

The Risk & Compliance department protects Melio's platform, reputation, and users from fraud, abuse, and financial crime.
As part of Xero, our responsibility has grown: we're now safeguarding not just Melio's payment flows, but the broader integrated financial ecosystem that millions of businesses depend on. This means implementing sophisticated controls, monitoring for emerging threats, and ensuring compliance across multiple regulatory frameworks.
We identify risks before they become problems, design systems to prevent fraud at scale, and ensure that every user and transaction on our platform is legitimate. We balance security with user experience—keeping bad actors out while making the platform seamless for legitimate businesses.|As fintech continues to evolve and fraud techniques become more sophisticated, our work is more critical than ever. You'll use data science, machine learning, and good old-fashioned investigative skills to stay ahead of threats. |f you want to be the shield that protects millions of small businesses, we need you.

About Melio:
Melio, a Xero company, is revolutionizing how small businesses handle payments. By combining Melio's best-in-class bill pay platform with Xero's global accounting expertise, we're building the ultimate financial command center for American small businesses. We're the fastest-growing B2B payment solution in the US—but we're still small enough that you can make real, visible impact as we scale to reach millions more businesses.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.