Payments Risk Analyst II

About the role

The Payments Risk Analyst II position at Coinbase is part of the Risk & Fraud team within the Consumer & Business group. This role focuses on identifying and mitigating fraud risk across Coinbase's fiat payment rails, ensuring the company's financial health and safeguarding millions of customers. The ideal candidate will help modernize risk controls and build next-generation fraud prevention systems, contributing to the protection of one of crypto's highest-volume retail platforms.

Responsibilities

• Own end-to-end risk controls for ACH payments, scaling fraud prevention processes to support business growth.
• Drive detection and mitigation of fraudulent deposit activity through targeted logic against bad actors and high-risk behaviors.
• Lead quantitative analysis of fraud performance, measuring rule precision and recall, assessing financial impacts, and presenting data-backed recommendations to leadership.
• Partner cross-functionally with Product, Growth, Data Science, Risk ML, and Engineering teams to develop and refine risk management strategies, including transitioning from heuristic rules to model-driven and synchronous friction controls.
• Execute investigations into anomalous customer and transaction behavior, proactively identifying and closing monitoring gaps before they result in losses.

Requirements

• 4+ years of experience in risk, fraud, or payments operations, with at least 2 years focused on payments fraud prevention in a fintech, e-commerce, or financial services environment.
• 2+ years of hands-on experience querying and analyzing large datasets using SQL, capable of independently executing analytics projects from start to finish.
• Demonstrated experience using identity-provider data and fraud-detection tools to implement and optimize risk controls.
• Proven ability to measure the financial impact of fraud decisions and effectively communicate these findings to senior leadership and cross-functional stakeholders.
• Demonstrated understanding of ACH payment processing and relevant NACHA rules.
• Utilizes generative AI responsibly, maintaining human oversight to ensure business-ready outputs and drive improvements in workflow efficiency, cost, and quality.

Qualifications

• Advanced degree in Computer Science, Mathematics, Statistics, Economics, Finance, or a related field.
• Experience with fraud detection tools and methodologies.
• Strong analytical skills and proficiency in data analysis.
• Excellent communication and collaboration skills.
• Ability to work independently and manage multiple tasks simultaneously.

Skills

• SQL and other data query languages.
• Identity provider data and fraud detection tool proficiency.
• Financial modeling and risk assessment.
• Collaboration and communication skills.
• Problem-solving and decision-making abilities.

Benefits

At Coinbase, we offer competitive compensation packages, including base salaries ranging from $135,320 to $159,200 USD annually (excluding equity and bonus), along with comprehensive benefits such as medical, dental, vision coverage, and a 401(k) plan. We also provide generous paid time off, flexible work arrangements, and opportunities for professional development.

Pay

Base salary varies by location (see range below).

Schedule

Remote-first, with quarterly in-person working sessions called “surges”.