About the role

Headquarters: Remote - USA

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.

Payments Risk Analyst II

As a Payments Risk Analyst II on the Risk & Fraud team within the Consumer & Business group, you'll own the identification and mitigation of fraud risk across Coinbase's fiat payment rails, protecting the company's bottom line and millions of customers without degrading the user experience. You'll join a team that is modernizing its risk controls and building next-generation fraud prevention systems, giving you the opportunity to shape how we protect customers at scale across one of crypto's highest-volume retail platforms.

What you'll do:

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.

Required Skills and Experience:

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.

Pay Transparency Notice: Base salary varies by location (see range below). Total compensation may also include equity and bonus eligibility, and benefits (medical, dental, vision, 401(k)).

Annual base salary range (excluding equity and bonus):
$135,320—$159,200 USD

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.

To apply: https://weworkremotely.com/remote-jobs/coinbase-payments-risk-analyst-ii

Interview prep

Walk in with sharper answers.

Use this as a quick practice sheet before you speak with the employer.

Role

Technology & IT Data Analysis Finance MySQL Operations Remote Collaboration remote

Likely questions

Tell us about work you have done that is close to the Payments Risk Analyst II role.
How would you approach your first 30 days at Coinbase?
Which of Data Analysis, Finance and MySQL have you used recently, and what did it help you achieve?
Describe a time you solved a problem without waiting to be told exactly what to do.
How do you stay organised and communicate clearly when working remotely?

Prepare before the call

A recent example that proves your experience with Data Analysis, Finance and MySQL.
One short story with a problem, your action, and the result.
Two examples that show the strengths listed on your CV.
A clear reason why this role and company interest you.
Your availability, preferred work style, and salary expectations.

Ask them

What would success look like in the first 90 days?
What are the main problems this hire should help solve?
How does the team give feedback and measure good work?
What does a normal working week look like for this role?

Practice line

I am interested in the Payments Risk Analyst II role because I can bring practical experience in Data Analysis, Finance and MySQL, learn the team quickly, and contribute to the outcomes Coinbase needs from this hire.