Senior Software Engineer, Developer (Money Movement - Risk)

Ready to be pushed beyond what you think you’re capable of? 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. To achieve our mission, we’re seeking a very specific candidate. We want someone who is passionate about our mission and who believes in the power of crypto and blockchain technology to update the financial system. We want someone who is eager to leave their mark on the world, who relishes the pressure and privilege of working with high caliber colleagues, and who actively seeks feedback to keep leveling up. We want someone who will run towards, not away from, solving the company’s hardest problems. Our work culture is intense and isn’t for everyone. But if you want to build the future alongside others who excel in their disciplines and expect the same from you, there’s no better place to be. While many roles at Coinbase are remote-first, we are not remote-only. In-person participation is required throughout the year. Team and company-wide offsites are held multiple times annually to foster collaboration, connection, and alignment. Attendance is expected and fully supported. On the Money Movement team, we’re building the core infrastructure for stablecoin-based payments, enabling fast, secure, and scalable transfers across borders and platforms. This work underpins how value moves across the Coinbase ecosystem and beyond. As a Senior Software Engineer on the CDP Payment Risk team, you will design, build, and scale the real-time risk infrastructure that protects Coinbase’s developer payment flows — including fraud detection and transaction scoring across multi-currency, cross-border payouts. Beyond core backend engineering, this role requires hands-on ownership of ML systems: developing risk models, data pipelines, and integrating state-of-the-art LLM agents into automated risk decisioning. You will serve as the DRI for risk controls as CDP expands into new markets and payment rails (e.g., PIX, SPEI, Faster Payments), ensuring USDC↔fiat flows remain secure while maintaining a seamless customer experience. What you’ll be doing (ie. job duties): • Own critical risk outcomes across CDP’s payment platform, including fraud loss, abuse prevention, and user friction — continuously optimizing the trade-off between risk and seamless customer experience. • Develop deep domain expertise in global payment systems and CDP products/APIs (onramps, offramps, transfers, payouts), helping shape a world-class crypto payment risk architecture as these platforms scale worldwide. • Design and build state-of-the-art risk decisioning systems, including core components such as policy/rule engines, machine learning models, real-time scoring services, and autonomous risk evaluation agents. • Architect and implement high-throughput data pipelines (batch, real-time, and streaming) that power risk detection, monitoring, experimentation, and model training at global scale. • Develop advanced detection capabilities spanning classical machine learning, graph-based methods, anomaly detection, and agentic AI systems to proactively identify and mitigate fraud and abuse. • Lead innovation at the intersection of risk, fraud, and agentic AI, conducting cutting-edge research and translating it into production systems. • Contribute to the broader technical community through publications, open research, or engineering blog posts, helping establish Coinbase as a leader in next-generation payment risk technology. What we look for in you: Minimum 3 years of software engineering experience Experience building real-time risk/fraud detection systems at scale Designing, building, and maintaining production services in a service-oriented architecture Experience with payment risk — chargebacks, unauthorized transactions, account takeover, payment fraud typologies Experience with rules engines and/or ML-based risk scoring (feature engineering, model serving, decisioning) Working with cross-border payment flows and the risk implications of multi-currency, multi-rail settlement Leadership skills to develop other engineers and influence risk strategy Demonstrates the ability to responsibly use generative AI tools and copilots (e.g., LibreChat, Gemini, Glean) in daily workflows, continuously learn as tools evolve, and apply human‑in‑the‑loop practices to deliver business‑ready outputs and drive measurable improvements in efficiency, cost, and quality. Nice to haves: Experience in rapid company growth (from startup to mid-size). Experience at a fintech or neobank scaling risk systems from early stage to high volume Proficiency with Golang, Python, Kafka, Postgres, MongoDB, Redis Experience with event-driven architectures for real-time streaming risk evaluation Blockchain/onchain analytics tools (Chainalysis, TRM Labs, Elliptic) Experience decomposing monolithic risk systems into microservices Crypto-forward experience, including familiarity with onchain activity, DeFi protocols, and cross-chain transfers Pay Transparency Notice: Depending on your work location, the target annual base salary for this position can range as detailed below. Total compensation may also include equity and bonus eligibility and benefits (including medical, dental, vision and 401(k)). Annual base salary range (excluding equity and bonus): $186,065—$218,900 USD Please be advised that each candidate may submit a maximum of four applications within any 30-day period. We encourage you to carefully evaluate how your skills and interests align with Coinbase's roles before applying. Commitment to Equal Opportunity Coinbase 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 the Employee Rights and the Know Your Rights 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 contact us at accommodations[at]coinbase.com to let us know the nature of your request and your contact information. For quick access to screen reading technology compatible with this site click 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 available here. 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 outlined here. AI Disclosure For select roles, Coinbase is piloting an AI tool based on machine learning technologies to conduct initial screening interviews to qualified applicants. The tool simulates realistic interview scenarios and engages in dynamic conversation. A human recruiter will review your interview responses, provided in the form of a voice recording and/or transcript, to assess them against the qualifications and characteristics outlined in the job description. For select roles, Coinbase is also piloting an AI interview intelligence platform to transcribe and summarize interview notes, allowing our interviewers to fully focus on you as the candidate. The above pilots are for testing purposes and Coinbase will not use AI to make decisions impacting employment. 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