---
title: 'Risk Operations Specialist at Melio'
canonical: 'https://feeny.ai/job/risk-operations-specialist-melio-denver-4366ndv8c2m3'
type: 'job'
last_seen: '2026-09-07'
---

# Risk Operations Specialist at Melio

- **Company:** Melio
- **Location:** Denver, CO
- **Posted:** 2026-07-29
- **Last confirmed live:** 2026-09-07
- **Apply:** https://job-boards.greenhouse.io/melio/jobs/7820624003

## Job description

Risk Operations Specialist Location: Remote (Must be location in Denver, CO)

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

- Handle frontline fraud 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 customers via phone around account recovery efforts
- Contribute to projects, collaborate with team members on squad tasks, and proactively drive new initiatives

Qualifications:

- 1+ years of experience within risk, customer experience or payment operations, ideally in the fintech space
- 1+ years experience working with ZenDesk
- Available to work between 10AM through 7PM MST, Monday through Friday
- 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

About the team:

Melio's innovative platform has created new and exciting ways to engage US small businesses in the payments ecosystem; and as with any financial innovation, this has also introduced threats and vulnerabilities. The Risk & Compliance Team works to protect Melio's platform and users from fraudulent, abusive and prohibited activity. We work cross functionally, with nearly every function in the company, to ensure we are seeing the correct information to make the right decisions.

Our main objectives ensuring our money movement is in line with relevant regulatory obligations and keeping our users safe. Our teams play a critical role in maintaining Melio's reputation, financial stability, and operational continuity.

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 $75,000 - $85,000
- Medical, dental, vision: We offer highly competitive and selected plans with 100% coverage, FSA and HSA.
- 401K matching: Feel the investment of working at a high-growth company.
- 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.
- Office culture: Remote work in the state of Colorado with site level social events and ad hoc in person team working sessions
- 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.

## About Melio

## Company Overview
- **One-liner**: Melio provides a B2B payment platform that enables small businesses to pay and get paid using their preferred methods, including bank transfers, credit cards, and checks, with integrated AI-powered automation.
- **Entity Type**: Private (Acquired by Xero in June 2025 for $2.5B–$3B)
- **Headquarters**: New York, New York, USA (with offices in Denver, Colorado, and Tel Aviv, Israel)
- **Founded**: 2018
- **Founders**: Matan Bar, Ilan Atias, and Ziv Paz

## Core Business
- **Primary industry**: B2B Payments / Fintech / Accounts Payable & Receivable
- **Target customers**: Small and medium-sized businesses (SMBs), bookkeepers, accountants, and CFOs in the United States.
- **Mission or purpose statement**: "To simplify business payments" and "equip businesses and their advisors with the tools they need to thrive in any environment."

## Products & Services
- **Melio Bill Pay (AP)**: A platform for businesses to pay vendors, contractors, and any business bill using ACH, credit card, wire, international transfer, or check. Includes features like approval workflows, batch payments, recurring payments, and vendor credit management. (SaaS)
- **Melio Invoicing (AR)**: A tool for creating professional, branded invoices and getting paid quickly and securely, with automated collection processes and live accounting software sync. (SaaS)
- **Agent Mel (AI Assistant)**: An AI-powered payment assistant that provides instant answers about bills, payments, and vendors, and automates bill entry and workflows. (AI Feature)
- **Melio Accounting Partner Program**: A program for accounting firms to manage client payments, automate approval workflows, and gain visibility across all client payments. (Service/Platform)
- **Embedded Payments (API/Partnerships)**: Solutions for financial institutions, software providers, and marketplaces to embed AP and AR solutions directly into their platforms. (API/Platform)

## Market Standing
- **Valuation/Market Cap**: Acquired by Xero in June 2025 for a deal valued between $2.5B and $3B.
- **Key Metric**: Total funding raised of $638M prior to acquisition. The platform processes tens of billions of dollars annually for over 100,000 businesses.
- **Notable Investors/Partners**: Fiserv, Capital One, Bessemer Venture Partners, Stripes, General Catalyst, and others. Partners include Xero, QuickBooks, Gusto, Amazon Business, and NetSuite.
- **Growth Signals**: Acquired by Xero in 2025 for up to $3B; processes tens of billions of dollars annually; serves over 100,000 businesses; launched AI assistant 'Agent Mel'; partnered with Amazon Business and Gusto; raised $150M from Fiserv and Capital One in 2025.

## Competitive Advantages
- **Deep Integrations**: Seamless 2-way sync with major accounting software (QuickBooks, Xero, NetSuite), making it a core part of a business's financial workflow.
- **Payment Flexibility**: Allows businesses to pay by credit card even where cards aren't accepted, and to pay over time (up to 12 installments), improving cash flow management.
- **AI-Powered Automation**: Features like AI bill capture and the 'Agent Mel' assistant reduce manual data entry and streamline AP/AR processes.
- **Strong Partner Ecosystem**: Embedded payment solutions for major platforms (Amazon Business, Gusto) and partnerships with leading financial institutions (Fiserv, Capital One).

## Strategic Focus
- **AI Integration**: Deepening AI capabilities to automate bill entry, workflows, and provide intelligent assistance (Agent Mel).
- **Global Payments**: Expanding international payment capabilities for vendors in their preferred currencies.
- **Platform Embedding**: Growing its embedded payments business by partnering with more financial institutions, software providers, and marketplaces.
- **Post-Acquisition Growth**: Leveraging Xero's global reach and resources to scale the platform and expand its customer base.

## Why Work Here
- **Culture & Mission**: A mission-driven company focused on simplifying business payments and helping small businesses succeed. The team is described as passionate about solving real-world problems for business owners and their advisors.
- **Growth & Impact**: As the "fastest-growing B2B payment platform in the US" (per their careers page), employees have the opportunity to work on a platform processing tens of billions of dollars annually, with significant impact on small businesses.
- **Work Environment**: Hybrid/office model with locations in New York City, Denver, and Tel Aviv. The company emphasizes a collaborative, fast-paced environment.
- **Engineering & AI Focus**: Strong emphasis on AI and automation (e.g., Agent Mel), offering engineers the chance to work on cutting-edge AI-powered financial tools.
- **Team Size**: Over 600 employees, indicating a mature but still growing organization.

## Sources
1. [meliopayments.com](https://meliopayments.com/)
2. [meliopayments.com/about-us](https://meliopayments.com/about-us/)
3. [job-boards.greenhouse.io/melio](https://job-boards.greenhouse.io/melio)
4. [cbinsights.com](https://www.cbinsights.com/company/melio)
5. [linkedin.com](https://www.linkedin.com/company/meliopayments)

## Other roles at Melio

- [Senior Data Analyst](https://feeny.ai/job/senior-data-analyst-melio-tel-aviv-yafo-26cfads1vygp) — Tel Aviv-Yafo, Israel
- [Engineering Manager, AP](https://feeny.ai/job/engineering-manager-ap-melio-tel-aviv-dxnm1a8dngrv) — Tel Aviv, Israel
- [Senior Accountant](https://feeny.ai/job/senior-accountant-melio-new-york-2x1d2h10zeg0) — New York, NY
- [Senior FP&A Analyst](https://feeny.ai/job/senior-fp-a-analyst-melio-new-york-2ecxe23z4aeh) — New York, NY
- [Senior Account Executive, Strategic Partnerships & Affiliates](https://feeny.ai/job/senior-account-executive-strategic-partnerships-affiliates-melio-united-states-m5gdkwd1x5qz) — United States
- [Senior Account Executive - UHV Payors](https://feeny.ai/job/senior-account-executive-uhv-payors-melio-united-states-db704qxwcavb) — United States
- [Sales Development Representative](https://feeny.ai/job/sales-development-representative-melio-united-states-rs836sv6kveq) — United States
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- [Senior Product Manager](https://feeny.ai/job/senior-product-manager-melio-new-york-bx0y22wphx7s) — New York, NY