Senior Payments Risk & Payment Operations Analyst with hands-on experience managing complex money movement risks across both fiat and crypto environments. Specialized in end-to-end risk investigations, high-impact escalations, and decision-making involving ACH, wires, SEPA, SWIFT, Interac, and crypto on/off-ramps. Proven ability to balance fraud prevention, compliance requirements, and customer experience in fast-paced, high-volume fintech environments. Experienced working cross functionally with Risk, Compliance, Product, Engineering, and Customer Operations to resolve sensitive cases, improve workflows, and strengthen risk controls. Strong individual contributor with senior judgment, ownership mindset, and a track record of handling ambiguous, high-risk scenarios without reliance on constant supervision.
Experience: 5 years
Yearly salary: $120,000
Hourly rate: $65
Nationality: 🇨🇷 Costa Rica
Residency: 🇨🇷 Costa Rica
Experience
Fiat Funding / Payments Risk & Escalations L3
Kraken Digital Asset Exchange 2024 - 2025
Led complex L3 investigations involving high-risk fiat payment flows, including wires, SWIFT, SEPA, ACH-equivalent rails, and cross-border transfers, identifying fraud patterns, misroutings, and operational risk issues. Took end-to-end ownership of sensitive payment escalations, from initial investigation through final decisioning, remediation, and internal documentation. Balanced fraud prevention, compliance requirements, and customer experience while applying risk controls to high-impact accounts. Partnered closely with Risk, Payments, Engineering, and Compliance teams to resolve edge cases, improve workflows, and reduce repeat incidents. Provided feedback on risk rules, payment logic, and operational gaps, contributing to process improvements and escalation playbooks.
Fiat Funding Specialist
Kraken Digital Asset Exchange 2023 - 2024
Supported fiat funding operations across USD, CAD, GBP, EUR, JPY, CHF, and AUD. Supported and guided Fiat funding flows across SEPA, FedWire, Interac-e, and other funding methods. Troubleshot errors and ensured smooth digital asset transfers, maintaining trust and efficiency.
Subject Matter Expert – Banking Support (Goldman Sachs)
Concentrix 2022 - 2023
Provided escalation support for a global banking client, focusing on credit card disputes, fraud alerts, and high-sensitivity cases. Coached advisors on compliance, accuracy, and best practices, contributing to CSAT scores of 95%+. Identified recurring pain points and proposed improvements to processes and knowledge base content. Audited quality and documentation, reducing errors and handling time on complex financial cases.
Crypto-Fiat Account Operations Advisor II (Coinbase)
Concentrix 2022 - 2022
Investigated escalated fraud, abuse, and payments-related cases across Coinbase products, applying risk frameworks to determine appropriate account actions. Reviewed high-risk transactions involving fiat and crypto flows, including potential manufactured spend, account misuse, and suspicious activity. Documented investigations clearly and consistently to ensure strong audit trails and seamless handoffs across teams. Maintained strong alignment with internal risk policies while prioritizing customer impact and operational efficiency.
Accounts Rescue Executive
BAC Credomatic Financial Group 2019 - 2020
Analyzed high-risk banking transactions and account activity to identify fraud, misuse, and compliance risks. Supported investigations related to cards, transfers, and customer account behavior, ensuring adherence to internal controls and regulatory requirements. Applied risk judgment to resolve cases efficiently while maintaining customer trust and service quality.
Cryptocurrency Investment Manager
Freelance 2018 - 2021
Managed client portfolios using CEXs and DEXs (Binance, MetaMask, Uniswap, PancakeSwap, Exodus). Educated users on wallet security, blockchain mechanics, and safe transaction practices.
Skills
crypto
finance
fintech
security
security-guard
work-from-home
english
portuguese
spanish
