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Melissa W. has a diverse work experience spanning over 20 years. Melissa started their career in 2001 at Cvikota Company as an Assistant Manager-Medical Billing, where they managed a team of over 20 employees and handled HR duties, training, accounts receivable, and medical billing processing. Melissa also developed training procedures and manuals and onboarded new physicians and practices for billing and record services. In 2010, they joined United Bank as an AVP Operations, where they were responsible for Deposit Operations and Retail Loan servicing. Melissa provided leadership, direction, training, and support to 10 direct employees and received the Accredited ACH Professional AAP certification in 2013. Since 2015, Melissa has been working at Citizens Community Federal, initially as Vice President of Deposit Operations, BSA Officer, and currently as SVP Deposit and Treasury Operations, BSA Officer. In their role, they work with various retail and treasury deposit teams, mentors and develops colleagues, establishes procedures and policies, and provides strategy, risk, and fraud management for all payment channels. Melissa also evaluates applications and systems for efficiencies and enhancements.

Melissa W. has a comprehensive education history in the field of financial payments processing and accredited ACH (Automated Clearing House) professional training. Their most recent educational endeavor was obtaining an Accredited Payments Risk Professional degree from NACHA, which they pursued from 2018 to 2023. Prior to that, Melissa earned a Certificate in Accredited ACH Professional from NACHA between 2013 and 2022. In 2013 and 2014, they attended Leadership EC, although no specific degree or field of study is mentioned. Melissa's earliest recorded education was acquiring a Certificate in Tourism and Travel Services Management from Arapahoe Community College in 1998 and 1999.

In addition to their educational background, Melissa has also obtained several certifications. Melissa became a Certified AML (Anti-Money Laundering) Fraud Professional through the American Bankers Association in July 2020. Prior to this, they achieved the Accredited Payments Risk Professional certification from Nacha in April 2018. Their earliest recorded certification was the Accredited ACH Professional, which they obtained from NACHA — The Electronic Payments Association in April 2012.