Risk Operations Analyst II - Payments & Fraud

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, reducing costs while also driving customer and business value. As Risk Operations Analyst II, Payments & Fraud , you will help build a world‑class, cross‑functional payments team. You’ll move beyond reactive risk mitigation to proactive risk management that improves business outcomes. This role supports the Risk Ops Team in creating clarity, working cross‑functionally with other teams, and embedding 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 optimisation of new payment tools and vendors Help future‑prove 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 optimisation 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 / GoogleSheets skills 1‑2Years Experience with SQL or Python AI prompt design skills Salary and Compensation In the U.S. state of California, the reasonably expected salary range is between $76,500 and $118,000. In the United States outside of California, the range is between $63,000 and $114,000. In Canada, the range is between $80,000 CAD and $106,000 CAD. This position is also eligible for competitive equity ownership and a comprehensive benefits package. Working at Scribd, Inc. Employees must have their primary residence in or near one of the following cities: Atlanta, Austin, Boston, Dallas, Denver, Chicago, Houston, Jacksonville, LosAngeles, Miami, NewYorkCity, Phoenix, Portland, Sacramento, SaltLakeCity, SanDiego, SanFrancisco, Seattle, WashingtonD.C. (UnitedStates); Ottawa, Toronto, Vancouver (Canada); Mexico City (Mexico). Benefits Scribd Flex (flexible work model) Comprehensive health, dental, and vision coverage Mental health support and disability coverage Generous paid time off, including vacation, sick time, holidays, winter break, volunteer time, and sabbaticals Paid parental leave and family support benefits Retirement matching and employee equity Learning and development programs and professional growth opportunities Wellness and home office stipends Complimentary access to the Scribd, Inc. suite of products Enterprise access to leading AI tools 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 creates a foundation for the best ideas. Come join us in building something meaningful. #J-18808-Ljbffr