Payments Risk Analyst II

Coinbase

Payments Risk Analyst at Coinbase managing fraud risk across fiat payment rails and ensuring customer protection. Collaborating with cross-functional teams to improve risk management strategies.

Posted 6/8/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $135,320 - $159,200 per yearWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Own end-to-end risk controls for ACH payments, scaling fraud prevention processes to keep pace with business expansion.
Drive detection and mitigation of fraudulent deposit activity by implementing targeting logic against bad actors and high-risk behavior.
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.
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.
Execute investigations into anomalous customer and transaction behavior, proactively identifying monitoring gaps and closing them before they become losses.

Requirements

What you’ll need

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.
2+ years of hands-on experience querying and analyzing large datasets using SQL; ability to independently scope and execute analytics projects end-to-end.
Demonstrated experience using identity-provider data and fraud-detection tooling to implement and tune risk controls.
Strong knowledge of ACH payment processing and applicable NACHA rules.
Proven ability to measure the financial impact of fraud decisions and communicate findings to senior leadership and cross-functional stakeholders.
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.

Benefits

Comp & perks

Total compensation may also include equity and bonus eligibility
medical
dental
vision
401(k)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

risk controlsfraud preventionquantitative analysisSQLdata analysisrisk management strategiesACH payment processingfinancial impact measurementfraud-detection toolinggenerative AI tools

Soft Skills

communicationcross-functional collaborationleadershipanalytical thinkingproblem-solving