Senior Payments Risk Analyst - AI-Driven Escalations Lead

Coinbase, Inc.; Richmond (VA); Hybrid; USD 180,000 - 212,000; Full time

Job summary

Coinbase is seeking a Senior Risk Analyst to act as the escalation point for high-impact risk cases across deposits, withdrawals, trading, and other flagged activity. You will work with Risk Modeling, Fraud Detection, and Analytics to improve rules, models, and policies.

You’ll lead responses to emerging fraud patterns, maintain current risk SOPs, and partner with Product, Engineering, and Support to reduce losses while keeping customer friction low.

Qualifications

• 7+ years in payments risk, fraud operations, or fraud investigations, including serving as an escalation point for complex cases with decision-making authority.
• Deep understanding of ACH, cards, wires, and crypto payment rails, with proven track record improving risk controls, rules, or models based on investigation findings.
• Proficiency in SQL and hands-on experience tracing funds on-chain with blockchain analytics tools.
• Experience reviewing analyst decisions for quality and SOP adherence, with demonstrated ability to communicate complex risk decisions to technical and non-technical stakeholders.
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

Responsibilities

• Own escalations from Payments Risk Operations and partner teams, including high-dollar losses, suspected fraud rings, and high-profile accounts, making final decisions backed by clear evidence
• Lead the response to emerging fraud patterns from first detection through root cause analysis, loss assessment, and remediation
• Maintain expert knowledge of review workflows, SOPs, and risk controls, keeping them current as products and threats evolve
• Drive rule and model performance measurement in partnership with Risk Modeling and Analytics, tuning controls that reduce losses with minimal customer friction
• Present findings and recommendations to Risk leadership and partners across Product, Engineering, and Customer Support, coaching analysts to improve accuracy and consistency

Skills

Payments risk experience

Fraud operations expertise

SQL proficiency

Blockchain analytics

Risk decision communication

Generative AI usage

Escalation point authority

Tools

Blockchain analytics tools

Job description

Coinbase is seeking a Senior Risk Analyst to act as the escalation point for high-impact risk cases across deposits, withdrawals, trading, and other flagged activity. You will work with Risk Modeling, Fraud Detection, and Analytics to improve rules, models, and policies.

You’ll lead responses to emerging fraud patterns, maintain current risk SOPs, and partner with Product, Engineering, and Support to reduce losses while keeping customer friction low.