支付风险分析师 II
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Payments Risk Analyst IICoinbase · Remote - USA · From 401
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职位描述
机器翻译准备好从事你职业生涯中最具影响力的工作了吗？在 Coinbase，我们对增加经济自由的使命毫不妥协。标准很高，环境紧张，而我们喜欢这样。这里不适合自满的人，而是一个让你突破自我认知极限的地方。如果你准备好与那些拒绝满足于"足够好"的人一起构建金融的未来，这里就是你的归属。Coinbase 是一家远程优先、但并非仅限远程的公司。预计每季度会聚在一起进行名为"surges"的高强度线下工作会议。了解更多关于在 Coinbase 工作的信息。
支付风险分析师 II
作为消费者与业务集团内风险与欺诈团队的支付风险分析师 II，你将负责识别和缓解 Coinbase 法币支付通道中的欺诈风险，在不降低用户体验的前提下保护公司的利润底线和数百万客户。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，让你有机会塑造我们如何在加密货币领域交易量最高的零售平台之一上大规模保护客户。
岗位职责
• 负责 ACH 支付的端到端风险控制，扩展欺诈预防流程以跟上业务扩张的步伐。
• 通过针对不良行为者和高风险行为实施定向逻辑，推动对欺诈性存款活动的检测和缓解。
• 主导欺诈表现的定量分析，衡量规则的精确率和召回率，评估决策的财务影响，并以清晰、有数据支撑的建议向领导层呈现权衡取舍。
• 与产品、增长、数据科学、风险机器学习（Risk ML）和工程团队跨职能合作，制定并迭代风险管理策略，包括从启发式规则向模型驱动和同步摩擦控制的过渡。
• 对异常客户和交易行为执行调查，主动识别监控缺口并在其造成损失之前将其弥补。
所需技能和经验：
• 4 年以上风险、欺诈或支付运营经验，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。
• 2 年以上使用 SQL 查询和分析大型数据集的实操经验，能够独立地端到端界定和执行分析项目。
• 具有使用身份提供商数据和欺诈检测工具来实施和调优风险控制的实证经验。
• 具备衡量欺诈决策财务影响并向高级领导层和跨职能利益相关者传达发现的可靠能力。
• 具备 ACH 支付处理及适用的 NACHA 规则的实际操作知识。
• 负责任地使用生成式 AI，保持人工监督以交付可供业务使用的成果，并推动工作流程效率、成本和质量的可衡量改进。
薪酬透明度声明：基本薪资因地点而异（见下方范围）。总薪酬还可能包括股权和奖金资格，以及福利（医疗、牙科、视力、401(k)）。
年度基本薪资范围（不包括股权和奖金）： $135,320 — $159,200 USD
• 申请限制：候选人在 6 个月期间内最多可提交 3 份申请。
• 平等机会雇主：Coinbase 是一家平等机会雇主。所有合格申请人将获得录用考虑，不因种族、肤色、宗教、性别、性取向、性别认同、国籍、残疾、受保护的退伍军人身份或遗传信息而受到歧视。有犯罪历史的申请人将根据适用的联邦、州和地方法律予以考虑。
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• 便利措施：如果你是残障人士且需要合理便利，请将你的请求和联系信息通过电子邮件发送至 accommodations[at]coinbase.com。需要屏幕阅读技术？点击此处下载免费的兼容屏幕阅读器并查看教程。
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以上内容由机器翻译自动生成，可能存在错误；投递前请以雇主原文为准。
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职位描述
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.
岗位职责
• 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 .