Melissa Patiño Torres in

Melissa Patiño Torres

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Founder at Modern Money
📍 Berlin Metropolitan Area, Germany

Melissa is a finance leader at N26, overseeing the crypto, equity, savings, and lending divisions. A graduate of IESE Business School, her expertise in strategic finance and FP&A is built on a global career with giants like BBVA and Scotiabank across Latin America, the Middle East, and Europe.

She is passionate about sparking conversations around money and promoting financial empowerment. As the founder of Modern Money and a mother, she is committed to designing a future where financial wellness is accessible and fits into the most human parts of life, not just in theory.

Unique fact: Melissa has a proven track record of professional success spanning three diverse regions – Latin America, the Middle East, and Europe.

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Experience
5 Years
Current Role
Founder
Job Level
Leadership
Location
Berlin Metropolitan Area, Germany
Personality Overview

How Melissa shows up

Communication Style
Decision Approach
Work Preference

Behavioral traits and communication patterns that shape how this person evaluates opportunities, builds trust, and makes decisions in professional settings.

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Priorities

Topics Melissa cares about

AI in Fintech
Writes about AI being a cornerstone of fintech innovation, enabling more personalized, secure, and efficient financial solutions for individuals on a global scale.
Blockchain & DeFi
Believes blockchain's transparency and security are vital, anticipating widespread adoption of decentralized finance (DeFi) and the tokenization of assets.
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Career

Work history

10-2025
Founder
Modern Money
10-2023
Sr Domain Business Partner: Banking & Investment Business
N26
4-2023 - 9-2023
Finance Business Partner - Lending & Crypto Business
N26
3-2022 - 3-2023
Finance Business Partner - Lending Business
N26
11-2021 - 10-2022
Strategic Advisor
Basher Agency
In the press

Media appearances

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Education
Master of Business Administration - MBA
IESE Business School
Master's degree
Universidad ESAN
Social presence
in
Behavioral profile

DISC profile (public)

DISC behavioral profile

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