Senior Payments Risk Analyst

At Coinbase, our mission is to increase economic freedom around the world, and we couldn’t do this without hiring the best people. We’re a group of hard-working overachievers who are deeply focused on building the future of finance and Web3 for our users across the globe, whether they’re trading, storing, staking or using crypto. Know those people who always lead the group project? That’s us.

There are a few things we look for across all hires we make at Coinbase, regardless of role or team. First, we look for candidates who will thrive in a culture like ours, where we default to trust, embrace feedback, and disrupt ourselves. Second, we expect all employees to commit to our mission-focused approach to our work. Finally, we seek people who are excited to learn about and live crypto, because those are the folks who enjoy the intense moments in our sprint and recharge work culture. We’re a remote-first company looking to hire the absolute best talent all over the world.

Ready to #LiveCrypto? Who you are:

• You’ve got positive energy. You’re optimistic about the future and determined to get there. 
• You’re never tired of learning. You want to be a pro in bleeding edge tech like DeFi, NFTs, DAOs, and Web 3.0. 
• You appreciate direct communication. You’re both an active communicator and an eager listener - because let’s face it, you can’t have one without the other. You’re cool with candid feedback and see every setback as an opportunity to grow.
• You can pivot on the fly. Crypto is constantly evolving, so our priorities do, too. What you worked on last month may not be what you work on today, and that excites you. You’re not looking for a boring job.
• You have a “can do” attitude. Our teams create high-quality work on quick timelines. Owning a problem doesn’t scare you, but rather empowers you to take 100% responsibility for achieving our mission.
• You want to be part of a winning team. We’re stronger together, and you’re a person who embraces being pushed out of your comfort zone.

Payments Risk Analytics takes a data-driven approach to manage fraud at scale. As a Senior Payments Risk Analyst, you will lead efforts to mitigate fraud risk for Coinbase Card, develop high-impact vendor relationships, and work alongside a team of experienced analysts to manage card payment fraud globally. You will work with stakeholders within Engineering, Product, Data, and Machine Learning to design and optimize tools, processes, and frictions to deliver a best-in-class, risk-adjusted user experience. This role will report to the Payments Risk Analytics Manager for Cards and Mobile Payments and will be based remotely in the United States.

What you’ll be doing (ie. job duties): 

• Monitor and report on core chargeback, fraud, and abuse metrics for Coinbase Card.
• Perform routine audits of monitoring to ensure consistent data quality and coverage.
• Conduct deep analyses of fraud events and provide actionable recommendations.
• Develop and optimize operational procedures to improve scalability.
• Leverage data to identify and prioritize opportunities to create a risk-adjusted, growth-oriented product experience.
• Work with internal and external stakeholders to develop strategy, drive initiatives, and facilitate growth.
• Collaborate with the rest of the Card and Mobile Payments Analytics team to deliver an end-to-end card fraud strategy.
• Assess, implement, and optimize third-party vendors to improve fraud management and deliver on team OKRs.

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

• Demonstrated passion for fraud investigation and data analysis.
• Endless curiosity to seek out anomalies and isolate root cause.
• 3+ years fighting chargebacks, fraud, and other forms of payment abuse in an ecommerce environment.
• Deep understanding of card payments, chargeback lifecycles, Visa operating rules, and card fraud vectors.
• 2+ years experience performing data analysis and querying large datasets across complex databases.
• Experience interpreting data to tell effective stories and drive change.
• Experience using business intelligence tools (e.g., Looker, Tableau, Superset) to create meaningful visualizations.
• BA / BS degree or equivalent practical experience.

Nice to haves:

• Experience with statistical modeling, machine learning, A/B testing, causal inference, etc.
• Experience in at least one programming language (preferably