JULIA SANYOUR
New York,NY
Summary
Versatile professional with extensive experience in Financial Technology, contributing to significant growth at Melio from 90 to over 500 employees since January 2021. Proven ability to build strong relationships with clients and internal teams, facilitating successful adaptation during periods of rapid change. Currently serving as a Sr. Risk Operations Associate at Betterment, focusing on investigating and mitigating financial and operational risks in a regulated environment. Committed to delivering compliant, customer-centric solutions while enhancing system integrity, particularly for B2B clients.
Overview
5
5
years of professional experience
Work History
Risk Operations Lead
Betterment
New York, USA
06.2025 - Current
- Utilized transaction monitoring tools to assess risk and detect unusual patterns, escalating cases as appropriate to mitigate potential threats
- Cultivated trust-based relationships with B2B clients by delivering clear communication, timely insights, and proactive solutions to ensure smooth onboarding and ongoing account success.
- Partnered cross-functionally with Risk, Product, and Client Relations teams to identify process improvements that enhanced customer experience, minimized friction, and reinforced operational reliability.
- Analyzed client data and transaction reports to surface actionable insights, supporting strategic decisions that reduced risk exposure and strengthened customer confidence in Betterment’s platform.
- Acted as a client advocate by addressing inquiries and potential concerns with empathy and precision, driving satisfaction and fostering long-term partnerships built on transparency and trust.
Risk Operations Specialist
Melio Payments
New York, USA
04.2023 - 06.2025
- Evaluate and manage risks associated with third-party vendors and partners
- Analyze data related to risk incidence and trends to identify patterns which has saved upwards of $300,000 of potential loss
- Ensure the user's practices align with our company and regulatory standards
- Serve as a point person for product knowledge
- Trained 50% of current team on strategies to mitigate fraud while retaining deal opportunities
- Create weekly resources on tooling and policy topics that are utilized by over 170 team members and executives
- Top-decile performer in both accuracy of risk decisions and productivity metrics
Customer Experience Leader
Melio Payments
New York, New York
01.2021 - 04.2023
- Developed training materials to enhance customer service skills for team members.
- Mentored junior staff on effective problem-solving techniques in customer interactions.
- Cultivated trust-based relationships with B2B clients by delivering clear communication, timely insights, and proactive solutions to ensure smooth onboarding and ongoing account success.
- Acted as a client advocate by addressing inquiries and potential concerns with empathy and precision, driving satisfaction and fostering long-term partnerships built on transparency and trust.
Education
Bachelor of Arts -
Union College
Schenectedy, NY06-2020
Skills
- Transaction monitoring
- Training and development
- Client onboarding
- Customer relationship management
- Team collaboration
- Problem solving
Accomplishments
- Enhanced Fraud Detection, Increased fraud detection by 25% through improved training.
- Successful Employee Retention, Implemented onboarding program with 85% retention rate.
Affiliations
Volunteer, Friendly Visitors - New York, NY (2025 - present)
Timeline
Risk Operations Lead
Betterment
06.2025 - Current
Risk Operations Specialist
Melio Payments
04.2023 - 06.2025
Customer Experience Leader
Melio Payments
01.2021 - 04.2023
Bachelor of Arts -
Union College