Payments Risk Analyst

Unchain Data; Manila, Hinoba-an; On-site; PHP 287,000 - 351,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Bonus eligibility

Job summary

Coinbase in Manila is seeking a Payments Risk Analyst I to protect customers by investigating high-risk fiat payment activity and balancing risk with customer experience. The role reports onsite at our Manila Centre of Excellence and requires full-time, in-office presence.

You will work with CX, Risk, and Engineering to ensure safe scaling of our payments ecosystem, while contributing to playbooks and SOPs and supporting ongoing training for new analysts.

Qualifications

• 1-2+ years of experience in payments risk, fraud operations, financial crime, trust & safety, or adjacent customer support roles in technology, fintech, or financial services.
• Demonstrated ability to investigate complex cases, synthesize multiple data points, and make sound judgment calls under time pressure.
• Comfortable working with metrics and SLAs (e.g., decision throughput, loss prevented, dispute outcomes, response times) in a fast-moving environment.
• Strong written communication skills with an emphasis on clear documentation and customer-centric explanations.
• Willingness to support shift-based work, including evenings, weekends, and holidays as needed.
• Demonstrates the ability to responsibly use generative AI tools and copilots in daily workflows, continuously learn as tools evolve, and apply human-in-the-loop practices to deliver business-ready outputs and drive measurable improvements in efficiency, cost, and quality.

Responsibilities

• Investigate and decision high-risk payments cases using internal tools to determine the safest outcome for customers and the business.
• Review account and transaction signals to identify potential fraud, scams, or abuse and take appropriate actions per SOPs.
• Apply, adjust, and remove payments-related flags and controls with documented rationale and impact.
• Partner with CX frontline teams on escalations requiring deeper payments risk review.
• Use data sources to identify emerging patterns, and quantify impact of decisions.
• Collaborate with Risk, Compliance, Trust & Safety, Product, and Engineering on complex cases and process improvements.
• Contribute to playbooks and SOP updates, and support training for new Analysts.

Skills

Payments risk experience

Analytical thinking

Strong communication

Shift work

AI tool usage

Tools

Caseflow

Threat Investigation Portal

Admin

Job description

About Us

At Coinbase, our mission is to increase economic freedom in the world. It's a massive, ambitious opportunity that demands the best of us, every day, as we build the emerging onchain platform - and with it, the future global financial system.

To achieve our mission, we're seeking a very specific candidate. We want someone who is passionate about our mission and who believes in the power of crypto and blockchain technology to update the financial system. We want someone who is eager to leave their mark on the world, who relishes the pressure and privilege of working with high caliber colleagues, and who actively seeks feedback to keep leveling up. We want someone who will run towards, not away from, solving the company's hardest problems.

Our work culture is intense and isn't for everyone. But if you want to build the future alongside others who excel in their disciplines and expect the same from you, there's no better place to be.

The Role

As a Payments Risk Analyst I, you will help protect Coinbase and its customers by investigating and decisioning high-risk fiat payment activity while balancing loss prevention and customer experience. You'll work closely with CX, Risk, and Engineering partners to ensure safe scaling of our payments ecosystem.

This role is expected to report onsite in our Philippines Centre of Excellence office in Manila, Philippines. This role requires full-time, in-office presence at our Manila location.

Responsibilities

• Investigate and decision high-risk payments cases (e.g., unban, limits, withdrawal holds, transfer risk monitoring) using internal tools like Caseflow, Threat Investigation Portal (TIP), and Admin to determine the safest outcome for customers and the business.
• Review account and transaction signals (payment method history, velocity, geolocation, device, KYC/AML flags) to identify potential fraud, scams, or abuse and take appropriate actions (limits, holds, flags, or closures) per SOPs.
• Apply, adjust, and remove payments-related flags and controls in line with policy, clearly documenting rationale, evidence, and customer impact for downstream teams.
• Partner with CX frontline teams on escalations that require deeper payments risk review, providing clear guidance on next steps and recommended customer communication.
• Use data sources (dashboards, queries, and case trends) to identify emerging patterns, recommend rule or workflow changes, and quantify impact of your decisions.
• Collaborate with cross-functional partners (Risk, Compliance, Trust & Safety, Product, and Engineering) on complex cases, incidents, and process improvements.
• Contribute to playbooks and SOP updates, and support training or shadowing for new Payments Risk analysts as needed.

Requirements

• Motivated by Coinbase's mission and excited to build a safe, trusted payments experience for customers.
• 1-2+ years of experience in payments risk, fraud operations, financial crime, trust & safety, or adjacent customer support roles in technology, fintech, or financial services.
• Demonstrated ability to investigate complex cases, synthesize multiple data points, and make sound judgment calls under time pressure.
• Comfortable working with metrics and SLAs (e.g., decision throughput, loss prevented, dispute outcomes, response times) in a fast-moving environment.
• Strong written communication skills with an emphasis on clear documentation and customer-centric explanations.
• Willingness to support shift-based work, including evenings, weekends, and holidays as needed.
• Demonstrates the ability to responsibly use generative AI tools and copilots (e.g., LibreChat, Gemini, Glean) in daily workflows, continuously learn as tools evolve, and apply human-in-the-loop practices to deliver business-ready outputs and drive measurable improvements in efficiency, cost, and quality.

Compensation

Pay Transparency Notice: The target annual base salary for this position is ₱319.40 PHP. Total compensation may also include bonus eligibility and benefits (including medical, dental, and vision).

Work Arrangements

While many roles at Coinbase are remote-first, we are not remote-only. In-person participation is required throughout the year. Team and company-wide offsites are held multiple times annually to foster collaboration, connection, and alignment. Attendance is expected and fully supported.