Risk Operations Analyst II - Payments & Fraud

Scribd, Inc. is on a mission to advance human understanding. Our four products — Scribd®, Slideshare®, Everand™, and Fable — help billions of people across the globe move beyond access and into insight, application, and expertise.Culture at Scribd, Inc.We support a culture where our employees can be real and be bold; where we debate and commit as we embrace plot twists; and where every employee is empowered to take action as we prioritize the customer.We believe the best work happens when individual flexibility is balanced with meaningful community connection. Scribd Flex empowers employees to choose the workstyle and location that support their best performance, while committing to intentional in-person moments that strengthen collaboration and culture. Occasional in-person attendance is required for all Scribd, Inc. employees, regardless of location.So what are we looking for in new team members? At Scribd, Inc., we hire for “GRIT.” Traditionally defined as the intersection of passion and perseverance toward long-term goals, GRIT reflects the mindset we expect from every employee. For us, it also serves as a practical framework for how we work: setting and achieving Goals, delivering Results within your role, contributing Innovative ideas and solutions, and strengthening the broader Team through collaboration and attitude.This posting reflects an approved, open position within the organization.About The Team And RoleThe Risk Operations team at Scribd plays a critical role in protecting the business by managing payments and fraud risk, to reduce costs while also driving customer and business value. As Risk Operations Analyst II, Payments & Fraud, you will be key to helping us build a world-class, cross-functional payments team. You’ll go beyond reactive risk mitigation - to proactive risk management that also improves business outcomes. This role will support the Risk Ops Team in creating clarity, working cross-functionally with other teams, and embed risk thinking into how Scribd builds and scales.What You’ll DoYou will partner with the Risk Ops Manager on process and strategy. This team owns payments risk and fraud operations across the following key areas, while partnering closely with Payments, Product, Analytics, and Finance teams:Chargeback Strategy & PreventionMonitor and reduce chargeback rates across processorsMonitor dispute representment and metrics like win rateFraud Detection & Rule OptimizationMonitor the performance of our fraud blocking tools (3rd party and in-house)Support fraud related investigations (including card testing attacks and content fraud)Analyze new fraud trends and key risk metricsCollaborate with team and vendors to manage and develop new fraud rulesPayments Optimization SupportPartner with Payments, Analytics, and Finance to monitor and improve payment processor performanceSupport onboarding and optimization of new payment tools and vendorsHelp future-proof the payments platform against fraud, risk, and cost inefficienciesWhat You’ll Bring3 or more years experience in Fraud Prevention, Merchant Risk or related fieldsCore data processing skills, able to work with large data sets to generate accurate reporting and analysis, including validating and testingKnowledge of global payments ecosystems, with experience navigating fraud or chargebacksInterest in developing skills in fraud analysis, SQL, Python, Machine Learning, payment optimization and managing merchant accounts in payment platformsStrong analytical skills, with ability to define key metrics, track trends, and drive data-backed decisionsSkilled cross-functional operator who can partner with and connect dots across Product, Analytics, Finance, Engineering, Legal, and OperationsIdeally, You HaveIntermediate to advanced Excel / Google Sheets skills1-2 Years Experience with SQL or PythonAI prompt design skillsAt Scribd, Inc., your base pay is one part of your total compensation package and is determined within a range. Our pay ranges are based on the local cost of labor benchmarks for each specific role, level, and geographic location. San Francisco is our highest geographic market in the United States.In the state of California, the reasonably expected salary range is between $76,500 [minimum salary in our lowest geographic market within California] to $118,000 [maximum salary in our highest geographic market within California].In the United States, outside of California, the reasonably expected salary range is between $63,000 [minimum salary in our lowest US geographic market outside of California] to $114,000 [maximum salary in our highest US geographic market outside of California].In Canada, the reasonably expected salary range is between $80,000 CAD[minimum salary in our lowest geographic market] to $106,000 CAD[maximum salary in our highest geographic market].We carefully consider a wide range of factors when determining compensation, including but not limited to experience; job-related skill sets; relevant education or training; and other business and organizational needs. The salary range listed is for the level at which this job has been scoped. In the event that you are considered for a different level, a higher or lower pay range would apply. This position is also eligible for a competitive equity ownership, and a comprehensive and generous benefits package.Working at Scribd, Inc.Are you currently based in a location where Scribd, Inc. can employ you? Employees must have their primary residence in or near one of the following cities. This includes surrounding metro areas or locations within a typical commuting distance:United StatesAtlanta | Austin | Boston | Dallas | Denver | Chicago | Houston | Jacksonville | Los Angeles | Miami | New York City | Phoenix | Portland | Sacramento | Salt Lake City | San Diego | San Francisco | Seattle | Washington D.C.CanadaOttawa | Toronto | VancouverMexicoMexico CityBenefits At Scribd, Inc.Scribd Flex (flexible work model)Comprehensive health, dental, and vision coverageMental health support and disability coverageGenerous paid time off, including vacation, sick time, holidays, winter break, volunteer time, and sabbaticalsPaid parental leave and family support benefitsRetirement matching and employee equityLearning and development programs and professional growth opportunitiesWellness and home office stipendsComplimentary access to the Scribd, Inc. suite of productsEnterprise access to leading AI toolsGet to Know Scribd, Inc.About Scribd, Inc.Life at Scribd, Inc.We want our interview process to be accessible to everyone. You can inform us of any reasonable adjustments we can make to better accommodate your needs by emailing accommodations@scribd.com about the need for adjustments at any point in the interview process.Scribd, Inc. is committed to equal employment opportunity regardless of race, color, religion, national origin, gender, sexual orientation, age, marital status, veteran status, disability status, or any other characteristic protected by law. We encourage people of all backgrounds to apply, and believe that a diversity of perspectives and experiences create a foundation for the best ideas. Come join us in building something meaningful.