Paul A. Marchena


A native from the island of Curacao, Dutch Antilles, Paul has over 17 years of experience in the risk management consulting and insurance placement arena, and is fluent in four languages (reading and writing). His industry specialization areas are manufacturing, distribution, and restaurants.

Read More

Raymond Arroyo

Managing Director

RAYMOND J. ARROYO is a Managing Director with Melo Risk Advisors. His background includes significant senior executive-level human resources, business, and nonprofit experience in several industries.

Read More

Delfine Perales Fox

Senior Consultant

Delfine is a Senior Consultant with Melo Risk Advisors. She specializes in Employee Benefits Implementation, Risk Management, and Diversity and Inclusion training, focusing on education, communication, and of best practices in the multi-cultural workplace.

Read More



“I have come to know Paul & Delfine as very pro-active and knowledgeable individuals for our needs in areas related to the shift in multi-cultural demographics and the impact it is going to have on our operations. They are very creative, responsive, and professional, and I can confidently recommend them to everyone.”

Yvette Porter
Manager Supplier Diversity
Cracker Barrel Old Country Store Inc