Payments Risk Analyst II

Responsibilities

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 risk management strategies, including the transition from heuristic rules to model-driven and synchronous friction controls

Execute investigations into anomalous customer and transaction behavior, proactively identifying monitoring gaps and closing them before they become losses

Benefits

Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).

401(k)

Medical

Dental

Vision

Glassdoor

3.5

Cryptocurrency wallet and exchange platform.

San Francisco, California, USA

https://www.coinbase.com

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Accounting and Finance

Engineering and Development

Product Management

Management and Executive

Legal and Compliance

Marketing

Customer Service and Support

Human Resources

Creatives and Design

Public Sector and Government

Trends of Total Sponsorships

*2026

(118)

2025

(181)

2024

(92)

2023

Qualifications

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

Proven ability to measure the financial impact of fraud decisions and communicate findings to senior leadership and cross-functional stakeholders

Demonstrated working knowledge of ACH payment processing and applicable NACHA rules

Utilizes generative AI responsibly, maintaining human oversight to deliver business-ready outputs and drive measurable improvements in workflow efficiency, cost, and quality

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.

Required skills

Payments fraud prevention, Risk controls, ACH payment processing, NACHA rules, SQL, Identity-provider data, Fraud-detection tooling, Quantitative analysis, Generative AI

Experience

4+ years