About this role

▸about Coinbase — company background

Ready to do the most impactful work of your career? At Coinbase, 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.” learn more about working at Coinbase.

Payments Risk Analyst II

As a Payments Risk Analyst II on the Risk & Fraud team within the Consumer & Business group, you'll own the identification and mitigation of payments fraud across Coinbase's fiat payment rails, including ACH, wire, and card transactions. This team protects millions of customers and billions in transaction volume from chargebacks, unauthorized deposits, and account takeover schemes. You'll investigate escalated fraud cases, analyze risk patterns across multiple channels, and partner cross-functionally to strengthen detection systems across one of crypto's highest-volume retail platforms.

What you'll do:

Own end-to-end investigation and resolution of escalated payments fraud cases, including chargebacks, ACH returns, wire disputes, and account takeovers, across phone, messaging, and email channels.

Analyze fraud trends and patterns across payment activities, synthesizing data into actionable recommendations that improve detection logic and reduce loss exposure.

Handle premium and high-complexity customer cases, including CB1, HNWI, and executive escalations, using judgment to make risk decisions and coordinating with stakeholders to resolve issues.

Partner cross-functionally with Product, Data Science, Risk ML, and Engineering to develop and iterate on risk management strategies, rule logic, and fraud prevention processes.

Identify workflow inefficiencies and recommend process improvements to scale risk operations, supporting documentation and standardization for consistency across the team.