Payments Risk Analyst II

Coinbase Developer Platform; Hyderabad; On-site; INR 817,000 - 860,000; Full time

Job summary

Coinbase is hiring a Payments Risk Analyst II on the Risk & Fraud team within the Consumer & Business group to identify and mitigate payments fraud across fiat rails (ACH, wire, and card). You’ll protect customers and high transaction volumes from chargebacks, unauthorized deposits, and account takeovers.

The role requires 3+ years of payments risk or fraud experience, cross-channel investigations, and SQL analysis.

Qualifications

• 3+ years of payments risk, fraud analysis, or risk operations experience.
• Ability to conduct investigations across multiple channels (phone, chat, email).
• Working knowledge of payments systems and fraud detection methodologies (e.g., MAR/ATO).
• Proficiency in SQL with ability to analyze fraud data and communicate findings.

Responsibilities

• Own end-to-end investigation and resolution of escalated payments fraud cases across phone, chat, and email channels.
• Analyze fraud trends and patterns to improve detection logic and reduce loss exposure.
• Handle premium and high-complexity cases (CB1, HNWI, executive escalations) with sound risk judgments.
• Partner with Product, Data Science, Risk ML, and Engineering to develop and iterate risk management strategies.
• Identify workflow inefficiencies and recommend process improvements to scale risk operations.

Skills

Payments risk

Fraud investigations

Cross-channel analysis

Data analysis

Stakeholder communication

Tools

SQL

Job description

Job Description:

Ready to do the most impactful work of your career? At 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 isnt a place for complacency, it’s a place to be pushed past your perceived limits. If youre 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.” learn more about working at Coinbase

Payments Risk Analyst II

As a Payments Risk Analyst II on the Risk & Fraud team within the Consumer & Business group, youll own the identification and mitigation of payments fraud across Coinbases fiat payment rails, including ACH, wire, and card transactions. This team protects millions of customers and billions in transaction volume from chargebacks, unauthorized deposits, and account takeover schemes. Youll investigate escalated fraud cases, analyze risk patterns across multiple channels, and partner cross-functionally to strengthen detection systems across one of cryptos highest-volume retail platforms.

What youll do:

• Own end-to-end investigation and resolution of escalated payments fraud cases, including chargebacks, ACH returns, wire disputes, and account takeovers, across phone, messaging, and email channels.
• Analyze fraud trends and patterns across payment activities, synthesizing data into actionable recommendations that improve detection logic and reduce loss exposure.
• Handle premium and high-complexity customer cases, including CB1, HNWI, and executive escalations, using judgment to make risk decisions and coordinating with stakeholders to resolve issues.
• Partner cross-functionally with Product, Data Science, Risk ML, and Engineering to develop and iterate on risk management strategies, rule logic, and fraud prevention processes.
• Identify workflow inefficiencies and recommend process improvements to scale risk operations, supporting documentation and standardization for consistency across the team.

Required Skills and Experience:

• 3+ years of experience in payments risk, fraud analysis, or risk operations within financial services, fintech, or e-commerce, with hands-on experience investigating chargebacks, ACH fraud, or unauthorized payment activity.
• Demonstrated ability to conduct fraud investigations across multiple channels (phone, chat, email) and make accurate, timely risk decisions independently.
• Working knowledge of payments systems, fraud detection methodologies, and at least one related risk discipline such as MAR (Manual Account Recovery) or ATO (Account Takeover).
• Proficiency in SQL or similar querying tools with the ability to analyze fraud data, identify patterns, and communicate findings to leadership with clear, data-backed recommendations.
• Full-time, in-office presence five days a week in Hyderabad, India, with willingness to work shifts and weekends to support 24/7 fraud operations.
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

*This is an In-Office role (Based out of Hyderabad, India)

Pay Transparency Notice: The target annual base salary for this position can range as detailed below. Total compensation may also include bonus eligibility and benefits (including medical, dental, and vision).

Annual base salary range (excluding bonus): ₹817,047 — ₹860,050 INR

• Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period.
• 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.
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