Senior Payments Risk Analyst - Remote, AI-Driven

Warmada; United States; Hybrid; USD 180,000 - 212,000; Full time

Job summary

Coinbase is seeking a Senior Risk Analyst for the Payments Risk Operations team in the United States. You will escalate and decide on the most complex cases across deposits, withdrawals, trading, and other flagged activity, leveraging AI tools while maintaining evidentiary standards.

You will guide responses from first detection through root cause analysis, refine risk workflows, and collaborate with Risk Modeling, Fraud Detection, and Analytics to improve controls and outcomes.

Qualifications

• 7+ years in payments risk, fraud operations, or fraud investigations with escalation authority.
• Strong knowledge of ACH, cards, wires, and crypto rails and how they relate to fraud.
• Experience reviewing analyst decisions for quality and SOP adherence.
• Ability to communicate complex risk decisions to technical and non-technical stakeholders.

Responsibilities

• Own escalations from Payments Risk Operations and partner teams, including high-dollar losses and high-profile accounts.
• Lead the response to emerging fraud patterns from first detection through root cause analysis and remediation.
• Maintain expert knowledge of review workflows, SOPs, and risk controls as products and threats evolve.
• Drive rule and model performance in partnership with Risk Modeling and Analytics to reduce losses with minimal customer friction.
• Present findings to Risk leadership and partners across Product, Engineering, and Customer Support.

Skills

Payments risk

Fraud operations

Fraud investigations

Escalation point

Decision-making authority

Tools

SQL

Blockchain analytics

Job description

Coinbase is seeking a Senior Risk Analyst for the Payments Risk Operations team in the United States. You will escalate and decide on the most complex cases across deposits, withdrawals, trading, and other flagged activity, leveraging AI tools while maintaining evidentiary standards.

You will guide responses from first detection through root cause analysis, refine risk workflows, and collaborate with Risk Modeling, Fraud Detection, and Analytics to improve controls and outcomes.