Melissa Patiño Torres

Researcher
DISC Type : Cs

Founder at Modern Money

Berlin Metropolitan Area, Germany

Overview

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.

Personality Overview

Soft Communicator

Cost Conscious

Self-Disciplined

The only way to convince them is by showing them examples and ample proof.  They do not like taking risks at all and go for proven options in the end. Being observant comes to them naturally.

Topics They Care 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.
Financial Personalization
Advocates for the shift from mass-market products to highly personalized financial services, using technology to tailor solutions to individual needs and scenarios.

Media Appearances

Melissa has no verified media appearances

Work History

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

Education

Master of Business Administration - MBA from IESE Business School
Master's degree from Universidad ESAN

More Information

Social Presence :

Prographics :

Exp : 5 Location : Berlin Metropolitan Area, Germany Job Level : Leadership Designation : Founder at Modern Money
URL has been copied!

Insights For Selling To Melissa

During A Call Or A Meeting

DO's

  • Use a presentation with information before getting into a live product walkthrough
  • When following up with them, expect slowness; use questions to engage them, preferably over email.
  • Share a one-off customer success story but keeps the focus on highlighting objective, numerical results

DONT's

  • Avoid phrases like ‘trust me’, ‘you will just love it’ etc.
  • Avoid winging it with them particularly, answer a question only if you know the answer well
  • Don't ask them to move fast, let them take their time and digest all the information

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Melissa is

  • For them, low risk and acceptance by others are very important, followed by proof of ROI.
  • Will you ever get a clear answer from Melissa

  • They are unlikely to say no, it's better to stop yourself once you have exhausted all the options.

Insights For Deal Planning

    How fast (or slow) will Melissa move?

  • They do not like to take decisions in a hurry, so they could be slow in making their mind up.
  • Can Melissa take some risk or not?

  • They are low on risk-appetite and prefer to make informed decisions.

You And Melissa

Personality Compatibility


More Profiles

Discover additional public profiles from our index.

Search more profiles

Looking for someone else? Search here for anyone.

Or visit Humantic AI to know more.