Payments Risk Analyst II

As a Payments Risk Analyst on the Risk & 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

• 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.

• 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.

• Experience mitigating fraud across multiple payment rails (e.g., ACH, cards, real-time payments) or in international markets.
• Familiarity with machine learning models used in fraud detection, or experience partnering with ML teams to operationalize model outputs.
• Understanding of blockchain analytics and/or fraud trends within the cryptocurrency ecosystem.

Position ID:  P77045