Payments Risk Analyst II

Ready to do the most impactful work of your career? At a and utm_source=coinbase Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn t a place for complacency, it’s a place to be pushed past your perceived limits. If you re ready to build the future of finance alongside people who refuse to settle for good enough, you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” a learn more about working at Coinbase.

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-col items-start gap-3 and prose message-content dark:prose-invert light w-full dark:text-gray-100 Payments Risk Analyst II

As a Payments Risk Analyst II on the Risk and Fraud team within the a Consumer and Business group, you ll own the identification and mitigation of fraud risk across Coinbase s fiat payment rails, protecting the company s bottom line and millions of customers without degrading the user experience. You ll join a team that is modernizing its risk controls and building next-generation fraud prevention systems, giving you the opportunity to shape how we protect customers at scale across one of crypto s highest-volume retail platforms.

strong What you ll do:

Own end-to-end risk controls for ACH payments, scaling fraud prevention processes to keep pace with business expansion.
Drive detection and mitigation of fraudulent deposit activity by implementing targeting logic against bad actors and high-risk behavior.
Lead quantitative analysis of fraud performance, measuring rule precision and recall, assessing the financial impact of decisions, and surfacing tradeoffs to leadership with clear, data-backed recommendations.
Partner cross-functionally with Product, Growth, Data Science, Risk ML, and Engineering to develop and iterate on risk management strategies, including the transition from heuristic rules to model-driven and synchronous friction controls.
Execute investigations into anomalous customer and transaction behavior, proactively identifying monitoring gaps and closing them before they become losses.

strong Required Skills and Experience:

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, with the ability to independently scope and execute analytics projects end-to-end.
Demonstrated experience using identity-provider data and fraud-detection tooling to implement and tune risk controls.
Proven ability to measure the financial impact of fraud decisions and communicate findings to senior leadership and cross-functional stakeholders.
Demonstrated working knowledge of ACH payment processing and applicable NACHA rules.
Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

strong Pay Transparency Notice: strong em Base salary varies by location (see range below). Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).

Annual base salary range (excluding equity and bonus):

span $135,320 span span $159,200 USD

italic; font-size: 8pt; strong em Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period.
italic; font-size: 8pt; span 8pt; em strong Equal Opportunity Employer: Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws.
italic; font-size: 8pt; span 8pt; em strong US Applicants: View a Employee Rights, a Know Your Rights, and a E-Verify Notice of Participation.
italic; font-size: 8pt; span 8pt; em strong Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at Need screen reading technology? a Click here to download a free compatible screen reader and view the a strong tutorial.
italic; font-size: 8pt; span 8pt; em strong Data Privacy and Arbitration: By submitting your application, you agree to our a Candidate Privacy Notice. US applicants: By submitting your application, you agree to a Arbitration of Disputes.

italic; font-size: 8pt; span 8pt; em strong AI Disclosure: Coinbase is piloting an AI tool based on machine learning technologies to conduct initial screening interviews to qualified applicants. The tool simulates realistic interview scenarios and engages in dynamic conversation. Coinbase is also piloting an AI interview intelligence platform to transcribe and summarize interview notes, allowing our interviewers to fully focus on you as the candidate. Coinbase will not use AI to make decisions impacting employment.