Payments Risk Analyst II: Fraud Prevention & Analytics

Coinbase, Inc.; Columbus (OH); Hybrid; USD 135,000 - 159,000; Full time

Job summary

Coinbase, Inc. is seeking a Payments Risk Analyst II on the Risk & Fraud team to own the identification and mitigation of fraud risk across Coinbase's fiat payment rails, protecting customers without degrading the user experience.

You will partner with Product, Growth, Data Science, Risk ML, and Engineering to develop risk management strategies, transition from heuristic rules to model-driven controls, and lead investigations into anomalous activity.

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, 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.

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 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.

Skills

Fraud risk management

Data analysis

SQL

Risk modeling

Cross-functional collaboration

Attention to detail

Job description

Coinbase, Inc. is seeking a Payments Risk Analyst II on the Risk & Fraud team to own the identification and mitigation of fraud risk across Coinbase's fiat payment rails, protecting customers without degrading the user experience.

You will partner with Product, Growth, Data Science, Risk ML, and Engineering to develop risk management strategies, transition from heuristic rules to model-driven controls, and lead investigations into anomalous activity.