Payments Risk Analyst II

Coinbase; New York (NY); Hybrid; USD 135,320 - 159,200; Full time

Job summary

Coinbase is seeking a Payments Risk Analyst to own fraud risk identification and mitigation across its fiat payment rails. You'll enhance fraud prevention systems and collaborate with teams to build risk management strategies.

With 4+ years in risk and payments fraud, strong SQL skills, and knowledge of ACH processing, you'll analyze fraud performance and drive effective controls against high-risk behaviors.

The role offers competitive salaries ranging from $135,320 to $159,200, emphasizing your impactful work in the financial sector.

Qualifications

• 4+ years of experience in risk, fraud, or payments operations.
• 2+ years focusing on payments fraud prevention in fintech or financial services.
• Strong knowledge of ACH payment processing and applicable NACHA rules.

Responsibilities

• Own risk controls for ACH payments and scaling fraud prevention processes.
• Drive detection and mitigation of fraudulent deposit activity.
• Lead quantitative analysis of fraud performance.

Skills

Payments fraud prevention

SQL analytics

Risk management strategies

Data analysis

ACH payment processing

Job description

Ready to do the most impactful work of your career? AtCoinbase, 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.”learn more about working at Coinbase.

As a Payments Risk Analyst on the Risk & Fraud team, 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.

Responsibilities

• 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 custom 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.

Qualifications

• 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; 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.
• Strong knowledge of ACH payment processing and applicable NACHA rules.
• Proven ability to measure the financial impact of fraud decisions and communicate findings to senior leadership and cross‑functional stakeholders.
• 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.

Nice to Haves

• Experience mitigating fraud across multiple payment rails (e.g., ACH, cards, real‑time payments) or in international markets.
• Familiarity with machine learning models used in fraud detection, or experience partnering with ML teams to operationalize model outputs.
• Understanding of blockchain analytics and/or fraud trends within the cryptocurrency ecosystem.

Other Information

• Application Limit: Candidates may submit a maximum of 4 applications per 30‑day 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.
• 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.
• 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.

Position ID: P77045

Pay Transparency Notice: 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): $135,320 USD - $159,200 USD