Melissa Karam Panchley graduated from BMC Durfee High School in 1991 and received a Bachelor of Arts degree in Sociology and Human Development from Boston College in 1995.
After graduating from college, Melissa went to work at the Fall River Housing Authority for six years where she was a Youth Outreach Worker, and then the Elderly Services Coordinator. When she decided to start a family, she went to work for the family business at Karam Financial Group, where she could do bookkeeping work from home while she raised her children.
In 2009, Melissa received a Masters in Business Administration from the University of Massachusetts Dartmouth.