Payments Risk Analyst II

About Coinbase

At Coinbase, our mission is to increase economic freedom in the world. It's a massive, ambitious opportunity that demands the best of us, every day, as we build the emerging onchain platform — and with it, the future global financial system. We seek individuals passionate about our mission, believing in crypto's power to update the financial system, eager to leave their mark, and who relish working with high-caliber colleagues.

Our work culture is intense, but if you want to build the future alongside those who excel and expect the same, there's no better place. While many roles at Coinbase are remote-first, in-person participation is required throughout the year for team and company-wide offsites to foster collaboration, connection, and alignment. Attendance is expected and fully supported.

As a Pull Payments Analyst on the Payments Risk Analytics team, you'll be fully responsible for identifying and mitigating payments risk on one of our critical payment rails without negatively impacting core metrics and the broader customer experience. This role will report to the Manager of Payments Risk for the North American region and will be based remotely in the United States.

What you’ll be doing (ie. job duties)

• Identify, investigate and mitigate fraudulent deposit activity.
• Implement logic targeting bad actors and high-risk behavior associated with unauthorized deposit activity across multiple regions.
• Use data to assess risk and make decisions impacting large segments of our customer population; effectively measure and assess associated tradeoffs using quantitative analysis.
• Synthesize data learnings into compelling stories and communicate them to Payments Risk leadership.
• Review and respond to alerts regarding anomalous customer and transaction behavior.
• Measure fraud performance across payment methods, develop core metrics, and create dashboards to track and understand them.
• Proactively identify and close gaps in our monitoring.
• Own risk controls from end-to-end and scale processes to provide appropriate coverage as we expand our business.
• Own reporting processes and communication with relevant banking partners.
• Work with internal stakeholders in Product, Growth, Data Science and Engineering to develop and drive forward custom risk management strategies and techniques for different geographies.

What we look for in you (ie. job requirements)

• 4+ years relevant experience
• 2+ years fighting push payment fraud in an e-commerce or financial services environment
• 2+ years of experience in data analysis, working with databases, and querying (e.g., SQL, MySQL, etc).
• BA / BS degree or equivalent practical experience
• Strong knowledge of pull payment processes and experience with fraud claim investigations
• A passion for fighting fraud and abuse, and the curiosity to self-drive investigations, identify patterns, and conduct root cause analysis
• Experience in data analyses using SQL and Databricks.
• Experience with data visualization and storytelling using Looker, Tableau, SuperSet or other business intelligence platforms
• Be able to independently create plans for analytics projects and build collaboration within the team
• Demonstrate our core cultural values: clear communication, positive energy, continuous learning, and efficient execution

Nice to haves

• Understanding of statistical concepts and experience in applying them
• Experience working with quantitative tools such as Python or R
• Experience working with machine learning models
• An understanding of blockchain analytics and/or fraud trends within the cryptocurrency ecosystem

Key skills/competency

• Payments Risk
• Fraud Mitigation
• Data Analysis
• SQL
• Quantitative Analysis
• Risk Controls
• Stakeholder Collaboration
• Blockchain Analytics
• Cryptocurrency
• Business Intelligence