Senior Payments Risk Analyst — AI-Driven, High-Impact Escalations

Coinbase, Inc.; City of Albany (NY); Hybrid; USD 180,000 - 212,000; Full time

Benefits offered by this job

Equity

Bonus eligibility

Benefits (medical, dental, vision, 401

Job summary

Coinbase, Inc. is seeking a Senior Risk Analyst for the Payments Risk Operations team. You will be the escalation point for our most complex and high‑impact risk cases across deposits, withdrawals, trading, and other flagged activity, making final calls with clear evidence.

Work with Risk Modeling, Fraud Detection, and Analytics to improve rules, models, and processes. You’ll use AI-native tools while maintaining rigorous evidentiary standards to deliver business-ready outcomes.

Qualifications

• 7+ years in payments risk, fraud operations, or fraud investigations.
• Deep understanding of ACH, cards, wires, and crypto payment rails.
• Proficiency in SQL and hands-on experience tracing funds on-chain.
• Experience reviewing analyst decisions for quality and SOP adherence.
• Utilizes generative AI responsibly with human oversight.

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

Fraud investigations

SQL

Blockchain analytics

Risk communication

AI in risk

Tools

SQL

Blockchain analytics

AI tools

Job description

Coinbase, Inc. is seeking a Senior Risk Analyst for the Payments Risk Operations team. You will be the escalation point for our most complex and high‑impact risk cases across deposits, withdrawals, trading, and other flagged activity, making final calls with clear evidence.

Work with Risk Modeling, Fraud Detection, and Analytics to improve rules, models, and processes. You’ll use AI-native tools while maintaining rigorous evidentiary standards to deliver business-ready outcomes.