Senior Payments Risk Analyst AI-Driven Fraud & Escalations

Coinbase, Inc.; Denver (CO); Hybrid; USD 180,000 - 212,000; Full time

Job summary

Coinbase is seeking a Senior Risk Analyst for Payments Risk Operations in the United States. You will own escalations from payments risk teams, making final decisions backed by evidence and driving risk controls across deposits, withdrawals, trading, and other flagged activity.

You will lead responses to emerging fraud patterns, maintain up-to-date review workflows and SOPs, and collaborate with Risk Modeling, Fraud Detection, and Analytics to tune rules and models.

Qualifications

• 7+ years in payments risk, fraud operations, or fraud investigations.
• Deep understanding of ACH, cards, wires, and crypto payment rails with risk controls.
• Proficient in SQL and tracing funds on-chain with blockchain analytics tools.
• Experience reviewing analyst decisions for quality and SOP adherence.
• Ability to communicate complex risk decisions to technical and non-technical stakeholders.
• Uses generative AI responsibly with human oversight to improve workflow efficiency, cost, and quality.

Responsibilities

• Own escalations from Payments Risk Operations and partner teams, 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

SQL

Blockchain analytics

Decision making

AI in risk operations

Stakeholder communication

Tools

Blockchain analytics tools

Job description

Coinbase is seeking a Senior Risk Analyst for Payments Risk Operations in the United States. You will own escalations from payments risk teams, making final decisions backed by evidence and driving risk controls across deposits, withdrawals, trading, and other flagged activity.

You will lead responses to emerging fraud patterns, maintain up-to-date review workflows and SOPs, and collaborate with Risk Modeling, Fraud Detection, and Analytics to tune rules and models.