Job Summary:
We are seeking a highly skilled and detail-oriented Technical Risk and Payments Fraud Analyst to join our Risk Operations team. Working in Scribd’s Risk Operations team is like being a detective in the matrix—every day presents a new puzzle to solve, a new challenge to overcome. Imagine diving deep into data, hunting for anomalies that could indicate fraud or account access intrusions. It's a role that requires sharp analytical skills, a curious mind, and the ability to think several steps ahead of potential threats. 
But it’s not just about solving problems—it's about preventing them. You’ll be at the forefront of innovation, using the latest technologies to predict and mitigate risks before they happen. This means you’re constantly pulling the thread on anomalous activity, learning, and adapting to the rapidly changing payments ecosystem. Collaboration is key in Risk Operations. You’ll work with diverse teams across the company, from business analytics and finance, to legal and product to help inform strategies that not only protect our customers, but also enable Scribd to grow and innovate safely. 
The ideal candidate will be curious, have a strong background in online card-not-present payments, fraud detection, and SQL-based investigations and analysis.
Key Responsibilities:Fraud Detection & Prevention:• Monitor, detect, and analyze suspicious transactions and activities across payment platforms• Respond to and investigate alerts, ensuring swift resolution and prevention of further risks• Develop and maintain fraud detection models and rules to identify potential fraud patterns
Data Analysis & Reporting:• SQL query development; Utilize SQL to extract, analyze, and interpret large datasets for fraud patterns, trends, and anomalies• Prepare detailed reports and dashboards for senior management, summarizing key findings and actionable insights• Support ad hoc data analysis requests related to fraud investigations and risk assessments• Conduct risk assessments on new payment products, services, and processes
Investigations:• Lead complex fraud investigations from end-to-end, including gathering evidence, conducting interviews, and documenting findings• Work closely with law enforcement, legal teams, and other stakeholders when required.• Ensure investigations are conducted in accordance with internal policies, legal requirements, and industry standards
Collaboration & Communication:• Partner with cross-functional teams including IT, Compliance, Customer Service, and Product • Management to enhance fraud detection and prevention capabilitiesEducate and train internal teams on emerging fraud risks and prevention techniques• Communicate and collaborate effectively with cross functional teams to resolve risk and fraud related issues

QualificationsEducation:  • Bachelor’s degree in Computer Science, Information Technology, Finance, or a related field. • Equivalent work experience will be considered.
Experience:  • Minimum of 3-5 years of experience in payments, fraud detection, or risk operations roles. • Proven experience in conducting SQL-based data analysis and investigations.• Strong understanding of payment processing systems, fraud detection tools, and risk management frameworks. • Experience working with 2 or more payments platforms is a plus; experience working with a subscription model is a plus.
Technical Skills:  • Proficiency in SQL query development for data extraction, manipulation, and analysis. • Experience with fraud detection software, analytics tools, and data visualization platforms such as Looker. • Familiarity with scripting Python,Spark, JS,and ability to read API calls and responses. 
Soft Skills: • Strong analytical and problem-solving skills with a keen eye for detail. • Excellent communication and interpersonal skills, with the ability to present complex information clearly. • Ability to work independently and collaboratively in a fast-paced environment. • Strong ethical standards and a high degree of integrity.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 $69,000 [minimum salary in our lowest geographic market within California] to $112,205 [maximum salary in our highest geographic market within California]. 
In the United States, outside of California, the reasonably expected salary range is between $57,000 [minimum salary in our lowest US geographic market outside of California] to $106,750 [maximum salary in our highest US geographic market outside of California]. 
In Canada, the reasonably expected salary range is between $71,500 CAD[minimum salary in our lowest geographic market] to $106,250 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.