Payments Risk Analyst II

About the Role

The Risk and Fraud team is dedicated to protecting Coinbase's customers and bottom line, and this role will play a key part in shaping the company's approach to fraud prevention. You will have the opportunity to work with cutting-edge technology and collaborate with a team of experts who are passionate about innovation and customer protection.

What You Will Do

• 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
• Execute investigations into anomalous customer and transaction behavior, proactively identifying monitoring gaps and closing them before they become losses
• Develop and maintain a deep understanding of Coinbase's payment processing systems, including ACH payment processing and applicable NACHA rules
• Stay up-to-date with industry trends and emerging threats in payments risk and fraud prevention
• Collaborate with the Data Science team to develop and implement machine learning models for fraud detection and prevention
• Work closely with the Engineering team to ensure seamless integration of risk management strategies into payment processing systems

What We Are Looking For

• 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, with the 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
• Experience with machine learning models used in fraud detection, or experience partnering with ML teams to operationalize model outputs
• Strong analytical and problem-solving skills, with the ability to drive business growth while minimizing risk
• Excellent communication and collaboration skills, with the ability to work effectively in a remote-first environment

Nice to Have

• Experience mitigating fraud across multiple payment rails, such as ACH, cards, and real-time payments
• Familiarity with blockchain analytics and/or fraud trends within the cryptocurrency ecosystem
• Experience working with generative AI tools and copilots, such as LibreChat, Gemini, or Glean
• Certification in payments or risk management, such as CCEP or CERP

Benefits and Perks

• Competitive salary and equity package
• Comprehensive health, dental, and vision insurance
• Flexible PTO policy and remote work stipend
• Opportunities for professional growth and development, including training and conference sponsorships
• Access to cutting-edge technology and tools, including machine learning and data analytics software
• Collaborative and dynamic work environment with a team of experts who are passionate about innovation and customer protection
• Quarterly in-person working sessions, known as 'surges', to facilitate team-building and collaboration
• Flexible working hours and a remote-first culture that prioritizes work-life balance
• Employee resource groups and diversity, equity, and inclusion initiatives to support a culture of belonging and inclusivity

• Develop a strong understanding of payments risk and fraud prevention, including industry trends and emerging threats
• Showcase your analytical and problem-solving skills, with a focus on driving business growth while minimizing risk
• Highlight your experience working with large datasets and querying using SQL, as well as your ability to communicate complex findings to stakeholders
• Be prepared to discuss your experience with machine learning models and fraud detection, as well as your ability to partner with cross-functional teams
• Emphasize your ability to work effectively in a remote-first environment, with a focus on collaboration and communication
• Research Coinbase's company culture and values, and be prepared to discuss how your skills and experience align with their mission and goals