Senior Risk Analyst, Payments Risk Operations

Coinbase

2d•$180,370 - $212,200•Remote

About The Position

As a Senior Risk Analyst on Coinbase’s Payments Risk Operations team, you will serve as the escalation point for complex, high-impact risk cases involving deposits, withdrawals, trading, and other flagged activity. You will apply expertise in risk workflows and controls, make final decisions on difficult cases, and use investigation insights to improve rules, models, processes, and policies in partnership with Risk Modeling, Fraud Detection, and Analytics. The role uses Coinbase AI tools to accelerate investigations while maintaining rigorous evidentiary standards and human oversight. Coinbase is a remote-first, but not remote-only company. Employees are expected to gather quarterly for in-person working sessions called “surges.”

Requirements

At least 7 years of experience 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, card, wire, and crypto payment rails and their fraud exposures.
Proven track record of improving risk controls, rules, or models based on investigation findings.
Proficiency in SQL.
Hands-on experience tracing funds on-chain with blockchain analytics tools.
Experience reviewing analyst decisions for quality and adherence to standard operating procedures.
Ability to communicate complex risk decisions to technical and non-technical stakeholders.
Ability to use generative AI responsibly with human oversight to deliver business-ready outputs and measurable improvements in workflow efficiency, cost, and quality.

Responsibilities

Own escalations from Payments Risk Operations and partner teams, including high-dollar losses, suspected fraud rings, and high-profile accounts, and make evidence-backed final decisions.
Lead responses to emerging fraud patterns from initial detection through root cause analysis, loss assessment, and remediation.
Maintain expert knowledge of review workflows, standard operating procedures, and risk controls, keeping them current as products and threats evolve.
Measure rule and model performance with Risk Modeling and Analytics, tuning controls to reduce losses while minimizing customer friction.
Present findings and recommendations to Risk leadership and partners across Product, Engineering, and Customer Support.
Coach analysts to improve decision accuracy and consistency.
Use generative AI responsibly, maintaining human oversight and evidentiary standards.