Payments Risk Analyst I

Coinbase Developer Platform; Manila; On-site; PHP 598,000 - 731,000; Full time

Benefits offered by this job

Medical, dental, and vision benefits

Job summary

Coinbase is seeking a Payments Risk Analyst I to act as the first line of defense against payments fraud. You will own end-to-end investigations, surface insights to sharpen detection logic, and drive improvements that reduce risk across chargebacks, ACH returns, wire disputes, and account takeovers.

The role requires 1+ year in payments risk or fraud analysis in fintech, familiarity with ACH/wire/card networks, and a hands-on approach to evolving fraud patterns.

Qualifications

• 1+ year experience in payments risk or fraud analysis within financial services or fintech.
• Hands-on with payments systems (ACH, wire, card networks) and fraud workflows.
• Ability to identify fraud patterns and root causes from data.
• Familiarity with blockchain analytics or crypto fraud trends.
• Responsible use of generative AI with human oversight.

Responsibilities

• Own investigations of escalated customer accounts to mitigate fraud risks.
• Analyze fraud trends and provide actionable insights to improve detection.
• Partner with investigations team to refine rule performance and defenses.
• Drive process improvements to reduce risk and increase throughput.
• Document review processes to scale operations with rising transaction volumes.

Skills

Payments risk

Fraud analysis

Risk operations

Blockchain analytics

Generative AI usage

Tools

Fraud detection tools

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.

As a Payments Risk Analyst I on the Payments Risk team, youll serve as the first line of defense against payments fraud across Coinbase. This team reviews escalated accounts, identifies fraud patterns, and strengthens the controls that protect millions of customers from chargebacks, ACH abuse, wire disputes, and account takeovers. Youll own end-to-end fraud investigations, surface insights that sharpen our detection logic, and drive process improvements that reduce risk exposure at scale.

What youll do:

• Own detailed investigations of escalated customer accounts to identify and mitigate payments fraud risks, including chargebacks, ACH returns, wire disputes, and account takeovers.
• Analyze fraud trends and patterns in payment activities, delivering actionable insights to Payments Risk leadership that improve detection accuracy.
• Partner with the Payments Risk investigations team to provide feedback on rule performance and risk logic, strengthening our automated defenses.
• Drive process improvements by identifying workflow inefficiencies and recommending changes that reduce risk exposure and increase operational throughput.
• Support the development and documentation of review processes to scale operational efficiency as transaction volumes grow.

Required Skills and Experience:

• 1+ years of experience in payments risk, fraud analysis, or risk operations within financial services, fintech, or e-commerce, with demonstrated ownership of fraud case investigations.
• Hands-on experience with payments systems (ACH, wire, card networks) and fraud detection methodologies, including chargeback management and dispute resolution workflows.
• Proven investigative ability to identify fraud patterns, root causes, and systemic vulnerabilities from account-level data.
• Familiarity with blockchain analytics tools or cryptocurrency fraud trends (or demonstrated ability to ramp quickly in technical domains).
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

Work Requirement:

100% Work from Office

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):

₱664,350 — ₱664,350 PHP

• 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.
• US Applicants: View Employee Rights, Know Your Rights, and E-Verify Notice of Participation.
• Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com. Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial.
• Data Privacy & Arbitration: By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.