Senior Payments Risk Analyst — AI-Driven, Remote

Coinbase, Inc.; Olympia (WA); Hybrid; USD 180,000 - 212,000; Full time

Job summary

Coinbase, Inc. is seeking a Senior Risk Analyst on the Payments Risk Operations team.

You will serve as the escalation point for the most complex risk cases across deposits, withdrawals, trading, and other flagged activity, delivering final decisions with clear evidence and partnering with Risk Modeling, Fraud Detection, and Analytics. You will own major escalations, lead responses to emerging fraud patterns, and maintain up-to-date risk controls and SOPs while leveraging AI tools responsibly to

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, with ability to communicate complex risk decisions to stakeholders.
• Utilizes generative AI responsibly, maintaining human oversight to improve workflow efficiency.

Responsibilities

• Own escalations from Payments Risk Operations and partner teams, including high-dollar losses and high-profile accounts, making final decisions backed by 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.

Job description

Coinbase, Inc. is seeking a Senior Risk Analyst on the Payments Risk Operations team.

You will serve as the escalation point for the most complex risk cases across deposits, withdrawals, trading, and other flagged activity, delivering final decisions with clear evidence and partnering with Risk Modeling, Fraud Detection, and Analytics. You will own major escalations, lead responses to emerging fraud patterns, and maintain up-to-date risk controls and SOPs while leveraging AI tools responsibly to