Payments Risk Analyst II

<div class="content-intro"><p>Ready to do the most impactful work of your career? At&nbsp;<a href="https://www.coinbase.com/?utm_campaign=mt_o_m_w_m_m__coi_0_jd-onchain&amp;utm_source=coinbase">Coinbase</a>, 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.”&nbsp;<a href="https://www.coinbase.com/careers">learn more about working at Coinbase</a>.</p></div><p>As a Payments Risk Analyst on the Risk &amp; Fraud team, you'll own the identification and mitigation of fraud risk across Coinbase's fiat payment rails protecting the company's bottom line and millions of customers without degrading the user experience. You'll join a team that is modernizing its risk controls and building next-generation fraud prevention systems, giving you the opportunity to shape how we protect customers at scale across one of crypto's highest-volume retail platforms</p> <h2>What you'll be doing</h2> <ul> <li>Own end-to-end risk controls for ACH payments, scaling fraud prevention processes to keep pace with business expansion.</li> <li>Drive detection and mitigation of fraudulent deposit activity by implementing targeting logic against bad actors and high-risk behavior.</li> <li>Lead quantitative analysis of fraud performance measuring rule precision and recall, assessing the financial impact of decisions, and surfacing tradeoffs to leadership with clear, data-backed recommendations.</li> <li>Partner cross-functionally with Product, Growth, Data Science, Risk ML, and Engineering to develop and iterate on custom risk management strategies, including the transition from heuristic rules to model-driven and synchronous friction controls.</li> <li>Execute investigations into anomalous customer and transaction behavior, proactively identifying monitoring gaps and closing them before they become losses.</li> </ul> <p>&nbsp;</p> <h2>What we look for in you</h2> <p>&nbsp;</p> <ul> <li>4+ years of experience in risk, fraud, or payments operations, with at least 2 years focused on payments fraud prevention in a fintech, e-commerce, or financial services environment.</li> <li>2+ years of hands-on experience querying and analyzing large datasets using SQL; ability to independently scope and execute analytics projects end-to-end.</li> <li>Demonstrated experience using identity-provider data and fraud-detection tooling to implement and tune risk controls.</li> <li>Strong knowledge of ACH payment processing and applicable NACHA rules.</li> <li>Proven ability to measure the financial impact of fraud decisions and communicate findings to senior leadership and cross-functional stakeholders.</li> <li>Demonstrates the ability to responsibly use generative AI tools and copilots (e.g., LibreChat, Gemini, Glean) in daily workflows, continuously learn as tools evolve, and apply human-in-the-loop practices to deliver business-ready outputs and drive measurable improvements in efficiency, cost, and quality.</li> </ul> <h2>Nice to haves</h2> <ul> <li>Experience mitigating fraud across multiple payment rails (e.g., ACH, cards, real-time payments) or in international markets.</li> <li>Familiarity with machine learning models used in fraud detection, or experience partnering with ML teams to operationalize model outputs.</li> <li>Understanding of blockchain analytics and/or fraud trends within the cryptocurrency ecosystem.</li> </ul> <p>Position ID: &nbsp;P77045</p><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><strong>Pay Transparency Notice:</strong><strong><em> </em></strong>Base salary varies by location (see range below). Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).&nbsp;</p> <p>&nbsp;</p></div><div class="title">Annual base salary range (excluding equity and bonus):</div><div class="pay-range"><span>$135,320</span><span class="divider">&mdash;</span><span>$159,200 USD</span></div></div></div><div class="content-conclusion"><ul> <li style="font-style: italic; font-size: 8pt;"><span style="font-size: 8pt;"><em><strong>Application Limit: </strong>Candidates may submit a maximum of 4 applications per 30-day period.</em></span></li> <li style="font-style: italic; font-size: 8pt;"><span style="font-size: 8pt;"><em><strong>Equal Opportunity Employer: </strong>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.</em></span></li> <li style="font-style: italic; font-size: 8pt;"><span style="font-size: 8pt;"><em><strong>US Applicants: </strong>View<a href="https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf"> Employee Rights</a>,<a href="https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12.pdf"> Know Your Rights</a>, and<a href="https://static-assets.coinbase.com/e-verify.pdf"> E-Verify</a> Notice of Participation.</em></span></li> <li style="font-style: italic; font-size: 8pt;"><span style="font-size: 8pt;"><em><strong>Accommodations: </strong>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.&nbsp;Need screen reading technology?<a href="https://chromewebstore.google.com/detail/screen-reader/kgejglhpjiefppelpmljglcjbhoiplfn"> Click here</a> to download a free compatible screen reader and view the<a href="http://www.chromevox.com/tutorial/"><strong> </strong>tutorial</a>.</em></span></li> <li style="font-style: italic; font-size: 8pt;"><span style="font-size: 8pt;"><em><strong>Data Privacy &amp; Arbitration: </strong>By submitting your application, you agree to our<a href="https://www.coinbase.com/legal/applicant_privacy_notice"> Candidate Privacy Notice</a>. US applicants: By submitting your application, you agree to<a href="https://www.coinbase.com/legal/application-arbitration-agreement"> Arbitration of Disputes</a>.<br></em></span></li> <li style="font-style: italic; font-size: 8pt;"><span style="font-size: 8pt;"><em><strong>AI Disclosure: </strong>Coinbase is piloting an AI tool based on machine learning technologies to conduct initial screening interviews to qualified applicants. The tool simulates realistic interview scenarios and engages in dynamic conversation.&nbsp; Coinbase is also piloting an AI interview intelligence platform to transcribe and summarize interview notes, allowing our interviewers to fully focus on you as the candidate. Coinbase will not use AI to make decisions impacting employment.</em></span></li> </ul></div>