Senior Risk Analyst, Payments Risk Operations

As a Senior Risk Analyst on the Payments Risk Operations team at Coinbase, you serve as the escalation point for complex, high-impact risk cases across deposits, withdrawals, trading, and flagged activity. You bring deep expertise in risk workflows and controls, make final decisions on hard cases, and turn investigation insights into rule, model, process, and policy improvements in partnership with Risk Modeling, Fraud Detection, and Analytics. You work AI-native from day one, using Coinbase's AI tools to accelerate investigations while holding every output to the same evidentiary standard.

What you'll do

• Own escalations from Payments Risk Operations and partner teams, including high-dollar losses, suspected fraud rings, and high-profile accounts, making final decisions backed by clear evidence
• Lead the response to emerging fraud patterns from first detection through root cause analysis, loss assessment, and remediation
• Maintain expert knowledge of review workflows, SOPs, and risk controls, keeping them current as products and threats evolve
• Drive rule and model performance measurement in partnership with Risk Modeling and Analytics, tuning controls that reduce losses with minimal customer friction
• Present findings and recommendations to Risk leadership and partners across Product, Engineering, and Customer Support, coaching analysts to improve accuracy and consistency

What you bring

• 7+ years 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, cards, wires, and crypto payment rails, including where each is exposed to fraud, with a proven track record improving risk controls, rules, or models based on investigation findings
• Proficiency in SQL and hands-on experience tracing funds on-chain with blockchain analytics tools
• Experience reviewing analyst decisions for quality and SOP adherence, with demonstrated ability to communicate complex risk decisions to technical and non-technical stakeholders
• Ability to use generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality

What we offer

• Annual base salary of $180,370-$212,200 USD (varies by location)
• Equity and bonus eligibility
• Benefits including medical, dental, vision, and 401(k)
• Remote-first work with quarterly in-person working sessions

About Coinbase

Coinbase is building the future of finance with a mission to increase economic freedom. The company operates a remote-first model with quarterly in-person "surge" sessions for collaborative work.