支付风险分析师 II
Payments Risk Analyst II
准备开展职业生涯中最有影响力的工作吗？在Coinbase，我们对提升经济自由的使命毫不妥协。标准很高，环境紧张，我们喜欢这样。这里不是安于现状的地方，而是将你推向自我认知极限的地方。如果你准备好与那些不愿接受“足够好”的人一起打造金融的未来，那你就在正确的地方。Coinbase是一家以远程办公为主，但并非仅限远程的公司。你将每季度参加一次高强度的线下工作会，称为“冲刺”。
Payments Risk Analyst II
作为消费者与企业部门风险与欺诈团队的Payments Risk Analyst II，你将负责识别和缓解Coinbase法币支付渠道中的欺诈风险，保护公司的底线和数百万客户，同时不降低用户体验。你将加入一个正在现代化其风险控制并构建下一代欺诈预防系统的团队，这使你有机会塑造我们在加密货币最高交易量的零售平台之一上大规模保护客户的策略。
你将负责：
- 负责ACH支付的端到端风险控制，将欺诈预防流程扩展以跟上业务增长。
- 通过针对不良行为者和高风险行为实施目标逻辑，推动欺诈性存款活动的检测和缓解。
- 主导欺诈性能的定量分析，测量规则的精确度和召回率，评估决策的财务影响，并向领导层提出清晰、数据支持的建议。
- 与产品、增长、数据科学、风险机器学习和工程团队跨职能合作，开发和迭代风险管理策略，包括从启发式规则向模型驱动和同步摩擦控制的过渡。
- 执行对异常客户和交易行为的调查，主动识别监控漏洞并在其成为损失之前加以弥补。
所需技能和经验：
- 在风险、欺诈或支付运营领域有4年以上经验，其中至少2年专注于金融科技、电子商务或金融服务环境中的支付欺诈预防。
- 有2年以上使用SQL查询和分析大型数据集的实际经验，能够独立规划并执行端到端的分析项目。
- 有使用身份提供商数据和反欺诈工具的经验，能够有效识别和分析欺诈模式。
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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.