ACH Analyst, Payments Risk Operations

at Coinbase in Little Rock, Arkansas, United States

Job Description

ACH Analyst, Payments Risk Operations

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At Coinbase, our mission is toincrease 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 aculture ( like ours, where we default to trust, embrace feedback, and disrupt ourselves. Second, we expect all employees to commit to ourmission-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.

As an ACH Analyst on the Payments Risk Operations 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 Operations, ACH and will be based remotely in the United States.

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

+ Identify, investigate and mitigate unauthorized ACH deposit activity.

+ Implement logic targeting bad actors and high-risk behavior associated with unauthorized deposit activity.

+ Measure ACH performance from a risk perspective, develop core fraud and abuse metrics, and create dashboards to track and understand them.

+ Proactively identify and close gaps in our monitoring.

+ Work with internal stakeholders in Product, Data Science and Engineering to develop and drive forward custom risk management strategies and techniques.

+ Use data to make risk 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.

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

+ 4+ years relevant experience

+ 2+ years fighting internet-based risk, abuse, or 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)

+ Strong knowledge of ACH Network and applicable NACHA rules

+ BA / BS degree or equivalent practical experience

+ A passion for fighting fraud and abuse

+ Experience in data analyses using SQL

+ Experience with data visualization and storytelling using Looker, Tableau or other business intelligence platforms

+ Be able to independently create plans for analytics projects and build collaboration within the team

+ The curiosity to self-drive investigations, identify patterns, and find the root cause

+ 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 and teams

+ An understanding of blockchain analytics and/or fraud trends within the cryptocurrency ecosystem.

PID: P21615

Pay Transparency Notice: Depending on your work location, the target annual salary for this position can range from $105,400to $124,000+ target bonus + target equity + benefits (including medical, dental, vision and 401(k)).

Commitment to Equal Opportunity

Coinbase is committed to diversity in its workforce and is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, sex, gender expression or identity, sexual orientation or any other basis protected by applicable law. Coinbase will also consider for employment qualified applicants with criminal histories in a manner consistent with applicable federal, state and local law. For US applicants, you may view Pay Transparency (\English\unformattedESQA508c.pdf) , Employee Rights ( and Know Your Rights (\EEOC\KnowYourRights\10\20.pdf) notices by clicking on their corresponding links. Additionally, Coinbase participates in the E-Verify program ( in certain locations, as required by law.

Coinbase is also committed to providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail toaccommodations[at]coinbase.comand let us know the nature of your request and your contact information. For quick access to screen reading technology compatible with this siteclick here to download ( a free compatible screen reader(free step by step tutorial can be found here) ( .

Global Data Privacy Notice for Job Candidates and Applicants

Depending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job applicants. Our full notice outlining how data will be processed as part of the application procedure for applicable locations is availablehere (\privacy\notice) .By submitting your application, you are agreeing to our use and processing of your data as required. For US applicants only, by submitting your application you are agreeing to arbitration of disputes as outlinedhere. (

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Job Posting: JC231627449

Posted On: Jan 06, 2023

Updated On: Feb 26, 2023

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