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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.
Required Skills and Experience:
- 3+ years of experience in payments risk, fraud analysis, or risk operations within financial services, fintech, or e-commerce, with hands-on experience investigating chargebacks, ACH fraud, or unauthorized payment activity.
- Demonstrated ability to conduct fraud investigations across multiple channels (phone, chat, email) and make accurate, timely risk decisions independently.
- Working knowledge of payments systems, fraud detection methodologies, and at least one related risk discipline such as MAR (Manual Account Recovery) or ATO (Account Takeover).
- Proficiency in SQL or similar querying tools with the ability to analyze fraud data, identify patterns, and communicate findings to leadership with clear, data-backed recommendations.
- Full-time, in-office presence five days a week in Hyderabad, India, with willingness to work shifts and weekends to support 24/7 fraud operations.
- Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality.
*This is an In-Office role (Based out of Hyderabad, India)
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
- 3+ years of experience in payments risk, fraud analysis, or risk operations within financial services, fintech, or e-commerce
- Hands-on experience investigating chargebacks, ACH fraud, or unauthorized payment activity
- Experience conducting fraud investigations across phone, chat, and email channels
- Ability to make accurate and timely risk decisions independently
- Working knowledge of payments systems and fraud detection methodologies
- Experience in at least one related risk discipline, such as Manual Account Recovery or Account Takeover
- Proficiency in SQL or similar querying tools
- Ability to analyze fraud data, identify patterns, and communicate data-backed recommendations to leadership
- Full-time, in-office presence five days per week in Hyderabad, India
- Willingness to work shifts and weekends supporting 24/7 fraud operations
- 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.
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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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