Risk Operations Analyst II - Payments & Fraud at Scribd

ABOUT THE COMPANY: At Scribd Inc. (pronounced “scribbed”), our mission is to spark human curiosity. Join our team as we create a world of stories and knowledge, democratize the exchange of ideas and information, and empower collective expertise through our four products: Everand, Scribd, Slideshare, and Fable. This posting reflects an approved, open position within the organization. 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. When it comes to workplace structure, we believe in balancing individual flexibility and community connections.  It’s through our flexible work benefit, Scribd Flex, that employees – in partnership with their manager – can choose the daily work-style that best suits their individual needs. A key tenet of Scribd Flex is our prioritization of intentional in-person moments to build collaboration, culture, and connection. For this reason, occasional in-person attendance is required for all Scribd Inc. employees, regardless of their location. So what are we looking for in new team members? Well, we hire for “GRIT”. The textbook definition of GRIT is demonstrating the intersection of passion and perseverance towards long term goals. At Scribd Inc., we are inspired by the potential that this can unlock, and ask each of our employees to pursue a GRIT-ty approach to their work. In a tactical sense, GRIT is also a handy acronym that outlines the standards we hold ourselves and each other to.  Here’s what that means for you: we’re looking for someone who showcases the ability to set and achieve Goals, achieve Results within their job responsibilities, contribute Innovative ideas and solutions, and positively influence the broader Team through collaboration and attitude. About the team and role The 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 do: You 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 & Prevention - Monitor and reduce chargeback rates across processors - Monitor dispute representment and metrics like win rate Fraud Detection & Rule Optimization - Monitor 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 metrics - Collaborate with team and vendors to manage and develop new fraud rules Payments Optimization Support - Partner with Payments, Analytics, and Finance to monitor and improve payment processor performance - Support onboarding and optimization of new payment tools and vendors - Help future-proof the payments platform against fraud, risk, and cost inefficiencies What you’ll bring: - 3 or more years experience in Fraud Prevention, Merchant Risk or related fields - Core data processing skills, able to work with large data sets to generate accurate reporting and analysis, including validating and testing - Knowledge of global payments ecosystems, with experience navigating fraud or chargebacks - Interest in developing skills in fraud analysis, SQL, Python, Machine Learning, payment optimization and managing merchant accounts in payment platforms - Strong analytical skills, with ability to define key metrics, track trends, and drive data-backed decisions - Skilled cross-functional operator who can partner with and connect dots across Product, Analytics, Finance, Engineering, Legal, and Operations Ideally, you have: - Intermediate to advanced Excel / Google Sheets skills - 1-2 Years Experience with SQL or Python - AI prompt design skills --- At Scribd, 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 States: Atlanta | 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. Canada: Ottawa | Toronto | Vancouver Mexico: Mexico City Benefits, Perks, and Wellbeing at Scribd Inc. *Benefits/perks listed may vary depending on the nature of your employment with Scribd Inc. and the geographical location where you work. - Healthcare Insurance Coverage (Medical/Dental/Vision): 100% paid for employees - 12 weeks paid parental leave - Short-term/long-term disability plans - 401k/RSP matching - Onboarding stipend for home office peripherals + accessories - Learning & Development allowance - Learning & Development programs - Quarterly stipend for Wellness, WiFi, etc. - Mental Health support & resources - Free subscription to the Scribd Inc. suite of products - Referral Bonuses - Book Benefit - Sabbaticals - Company-wide events - Team engagement budgets - Vacation & Personal Days - Paid Holidays (+ winter break) - Flexible Sick Time - Volunteer Day - Company-wide Employee Resource Groups and programs that foster an inclusive and diverse workplace. - Access to AI Tools: We provide free access to best-in-class AI tools, empowering you to boost productivity, streamline workflows, and accelerate bold innovation. Want to learn more about life at Scribd? www.linkedin.com/company/scribd/life [Upgrade to PRO to see link] 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 [Upgrade to PRO to see contact] 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.