Senior Payments Risk Lead: AI-Driven Fraud Ops

Coinbase, Inc.; Phoenix (AZ); Remote; USD 180,000 - 212,000; Full time

Job summary

Coinbase, Inc. is seeking a Senior Risk Analyst for the Payments Risk Operations team to escalate complex risk cases across deposits, withdrawals, trading, and other flagged activity, using AI-native tools with evidentiary standards.

You will own escalations, lead responses to emerging fraud, maintain up-to-date SOPs, measure rule/model performance, and present findings to Risk leadership while coaching analysts.

Qualifications

• 7+ years in payments risk, fraud operations, or fraud investigations, including escalation of complex cases.
• Deep understanding of ACH, cards, wires, and crypto payment rails.
• 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 ability to communicate risk decisions.
• Utilizes generative AI responsibly, with human oversight to deliver business-ready outputs.

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

Payment rails (ACH, cards, wires, cash

SQL

Quality & SOP review

AI-assisted risk

Job description

Coinbase, Inc. is seeking a Senior Risk Analyst for the Payments Risk Operations team to escalate complex risk cases across deposits, withdrawals, trading, and other flagged activity, using AI-native tools with evidentiary standards.

You will own escalations, lead responses to emerging fraud, maintain up-to-date SOPs, measure rule/model performance, and present findings to Risk leadership while coaching analysts.