Payments Risk Analyst I

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.

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