Senior Payments Risk Lead — AI-Driven Investigations

Coinbase, Inc.; Trenton (NJ); Hybrid; USD 180,000 - 212,000; Full time

Job summary

Coinbase is seeking a Senior Risk Analyst in Payments Risk Operations to act as the escalation point for complex cases across deposits, withdrawals, trading, and flagged activity. You will use AI tools with strong evidentiary standards to improve rules, models, and processes.

You will own escalations, lead fraud pattern responses, and maintain expert knowledge of risk workflows and controls while collaborating with Risk Modeling, Analytics, Product, Engineering, and Customer Support.

Qualifications

• 7+ years in payments risk, fraud operations, or fraud investigations with decision-making authority.
• Deep understanding of ACH, cards, wires, and crypto payment rails, with proven risk-control enhancements.
• Proficiency in SQL and hands-on experience tracing funds on-chain with blockchain analytics tools.
• Experience reviewing analyst decisions for quality and SOP adherence, able to communicate complex risk decisions to diverse stakeholders.
• Utilizes generative AI responsibly, with human oversight to improve workflow efficiency, cost, and quality.

Responsibilities

• Own escalations from Payments Risk Operations and partner teams, including high-dollar losses and high-profile accounts, with final decisions backed by evidence.
• Lead the response to emerging fraud patterns from detection through root cause analysis and remediation.
• Maintain expert knowledge of review workflows, SOPs, and risk controls as products/threats evolve.
• Drive rule and model performance through collaboration with Risk Modeling and Analytics to reduce losses with minimal customer friction.
• Present findings and recommendations to Risk leadership and cross-functional partners, coaching analysts to improve accuracy and consistency.

Skills

Payments risk

SQL

Blockchain analytics

AI-assisted risk work

Stakeholder communication

Tools

Blockchain analytics tools

SQL debugging

Job description

Coinbase is seeking a Senior Risk Analyst in Payments Risk Operations to act as the escalation point for complex cases across deposits, withdrawals, trading, and flagged activity. You will use AI tools with strong evidentiary standards to improve rules, models, and processes.

You will own escalations, lead fraud pattern responses, and maintain expert knowledge of risk workflows and controls while collaborating with Risk Modeling, Analytics, Product, Engineering, and Customer Support.