# Payments Risk Analyst II
**Company:** [Coinbase](https://hotfix.jobs/companies/coinbase)
**Location:** Remote
**Salary:** $135K-$159K
**Experience:** 4+ years
**Skills:** SQL, Ach, Nacha, Fraud Detection, Risk Controls, Identity Verification, Data Analysis, Quantitative Analysis, Fintech, Generative AI
**Posted:** 2026-06-08
> Own end-to-end ACH fraud risk controls and quantitative analysis for Coinbase's fiat payment rails. Requires 4+ years risk/fraud experience (2+ in payments fraud) and 2+ years SQL analytics.
## Job Description
## What you'll be doing
- 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 custom 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.

## What we look for in you
- 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; 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.
- Strong knowledge of ACH payment processing and applicable NACHA rules.
- Proven ability to measure the financial impact of fraud decisions and communicate findings to senior leadership and cross-functional stakeholders.
- Demonstrates the ability to responsibly use generative AI tools and copilots (e.g., LibreChat, Gemini, Glean) in daily workflows, continuously learn as tools evolve, and apply human-in-the-loop practices to deliver business-ready outputs and drive measurable improvements in efficiency, cost, and quality.

## Nice to haves
- Experience mitigating fraud across multiple payment rails (e.g., ACH, cards, real-time payments) or in international markets.
- Familiarity with machine learning models used in fraud detection, or experience partnering with ML teams to operationalize model outputs.
- Understanding of blockchain analytics and/or fraud trends within the cryptocurrency ecosystem.
**Apply:** https://hotfix.jobs/jobs/payments-risk-analyst-ii-at-coinbase-63a0923e-4b80-44e7-a7d1-97e8bc94b39a
**Canonical:** https://hotfix.jobs/jobs/payments-risk-analyst-ii-at-coinbase-63a0923e-4b80-44e7-a7d1-97e8bc94b39a