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As a Payments Risk Analyst I on the Payments Risk team, you'll serve as the first line of defense against payments fraud across Coinbase. This team reviews escalated accounts, identifies fraud patterns, and strengthens the controls that protect millions of customers from chargebacks, ACH abuse, wire disputes, and account takeovers. You'll own end-to-end fraud investigations, surface insights that sharpen our detection logic, and drive process improvements that reduce risk exposure at scale.
What you'll do:
- Own detailed investigations of escalated customer accounts to identify and mitigate payments fraud risks, including chargebacks, ACH returns, wire disputes, and account takeovers.
- Analyze fraud trends and patterns in payment activities, delivering actionable insights to Payments Risk leadership that improve detection accuracy.
- Partner with the Payments Risk investigations team to provide feedback on rule performance and risk logic, strengthening our automated defenses.
- Drive process improvements by identifying workflow inefficiencies and recommending changes that reduce risk exposure and increase operational throughput.
- Support the development and documentation of review processes to scale operational efficiency as transaction volumes grow.
Required Skills and Experience:
- 1+ years of experience in payments risk, fraud analysis, or risk operations within financial services, fintech, or e-commerce, with demonstrated ownership of fraud case investigations.
- Hands-on experience with payments systems (ACH, wire, card networks) and fraud detection methodologies, including chargeback management and dispute resolution workflows.
- Proven investigative ability to identify fraud patterns, root causes, and systemic vulnerabilities from account-level data.
- Familiarity with blockchain analytics tools or cryptocurrency fraud trends (or demonstrated ability to ramp quickly in technical domains).
- Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.
Work Requirement: 100% Work from Office
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Pay Transparency Notice:The target annual base salary for this position can range as detailed below. Total compensation may also include bonus eligibility and benefits (including medical, dental, and vision).
- Application Limit: Candidates may submit a maximum of 3 applications within a 6-month period.
- Equal Opportunity Employer: Coinbase is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, protected veteran status, or genetic information. Applicants with criminal histories will be considered consistent with applicable federal, state, and local laws.
- US Applicants: View Employee Rights, Know Your Rights, and E-Verify Notice of Participation.
- Accommodations: If you are an individual with a disability who needs a reasonable accommodation, email us your request and contact info at accommodations[at]coinbase.com. Need screen reading technology? Click here to download a free compatible screen reader and view the tutorial.
- Data Privacy & Arbitration: By submitting your application, you agree to our Candidate Privacy Notice. US applicants: By submitting your application, you agree to Arbitration of Disputes.
Skills Required
- 1+ years of experience in payments risk, fraud analysis, or risk operations within financial services, fintech, or e-commerce
- Demonstrated ownership of fraud case investigations
- Hands-on experience with ACH, wire, and card payment systems
- Experience with fraud detection methodologies, chargeback management, and dispute resolution workflows
- Ability to identify fraud patterns, root causes, and systemic vulnerabilities from account-level data
- Familiarity with blockchain analytics tools or cryptocurrency fraud trends, or ability to ramp quickly in technical domains
- Responsible use of generative AI with human oversight
What the Team is Saying
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Coinbase Compensation & Benefits Highlights
How does Coinbase ensure its pay and bonus plans are competitive?
Coinbase uses a market-driven, pay-for-performance approach to keep pay and bonus plans competitive. Coinbase regularly benchmarks roles against leading technology and fintech companies using external market data and reviews its compensation programs on a recurring basis to ensure salary, bonus, and equity remain aligned with the broader market and business goals. Annual bonus and equity programs are tied to both company results and individual impact, so when Coinbase and its people perform, total rewards reflect that performance.
Coinbase Insights
What We Do
Crypto creates economic freedom by ensuring that people can participate fairly in the economy, and Coinbase (NASDAQ: COIN) is on a mission to increase economic freedom for more than 1 billion people. We’re updating the century-old financial system by providing a trusted platform that makes it easy for people and institutions to engage with crypto assets, including trading, staking, safekeeping, spending, and fast, free global transfers. We also provide critical infrastructure for onchain activity and support builders who share our vision that onchain is the new online. And together with the crypto community, we advocate for responsible rules to make the benefits of crypto available around the world.
Why Work With Us
We have the opportunity to accelerate the pace of innovation in the world by building an open financial system. Our vision is to create more economic freedom in the world, to help people control their own wealth, start companies, have financial privacy, and participate in the global economy. And to get us there, we focus, build and move as a team.
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Employees work remotely.
Coinbase is remote-first, which enables us to innovate, build and move quickly. Our teams are able to work effectively from around the globe with time for in-person offsites and team meetups to enhance collaboration and connection.
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