Senior Risk Analyst, Payments Risk Operations

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

Ready to do the most impactful work of your career? At Coinbase, we are uncompromising on our mission to increase economic freedom. The bar is high, the environment is intense, and we like it that way. This isn't a place for complacency, it’s a place to be pushed past your perceived limits. If you're ready to build the future of finance alongside people who refuse to settle for "good enough," you belong here. Coinbase is a remote-first, but not remote-only company. Expect to get together quarterly for intense in-person working sessions called “surges.” Learn more about working at Coinbase.

Senior Risk Analyst, Payments Risk Operations

As a Senior Risk Analyst on the Payments Risk Operations team, you'll serve as the escalation point for our most complex and high-impact risk cases across deposits, withdrawals, trading, and other flagged activity. You'll bring deep expertise in risk workflows and controls, make final calls on hard cases, and turn investigation insights into rule, model, process, and policy improvements in partnership with Risk Modeling, Fraud Detection, and Analytics. You'll work AI-native from day one, using Coinbase's AI tools to accelerate investigations while holding every output to the same evidentiary standard.

What you'll do:

• 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

Required Skills and Experience:

• 7+ years in payments risk, fraud operations, or fraud investigations, including serving as an escalation point for complex cases with decision-making authority
• Deep understanding of ACH, cards, wires, and crypto payment rails, including where each is exposed to fraud, with proven track record improving risk controls, rules, or models based on investigation findings
• 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 demonstrated ability to communicate complex risk decisions to technical and non-technical stakeholders
• Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.

*Pay Transparency Notice:** *Base salary varies by location (see range below). Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).

Annual base salary range (excluding equity and bonus):

$180,370—$212,200 USD

• *Equal Opportunity Employer: *Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws.
• *US Applicants: *View Employee Rights, Know Your Rights, and E-Verify Notice of Participation.
• *Accommodations: *If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com.Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial.
• *Data Privacy & Arbitration: *By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.