Job Description

Every career journey is personal. That's why we empower you with the tools and support to create your own success story.

Be challenged. Be heard. Be valued. Be you ... be here.

Job Summary

The Fraud Strategy Senior Analyst plays a crucial role in developing and implementing fraud strategies to mitigate risk exposure. By analyzing trends and conducting detailed data reviews, the analyst provides recommendations to reduce fraud loss. Collaborating with various business units, the analyst contributes to a collective effort to safeguard against fraudulent activities.

Essential Job Functions

• Develop and implement fraud prevention strategies to mitigate risks and enhance detection capabilities. Continuously evaluate and refine strategies based on emerging threats and industry best practices. Utilize data analytics and machine learning models to identify and predict fraudulent activities. Collaborate with IT and data science teams to integrate advanced detection tools and technologies. - (30%)
• Prepare and present detailed reports on fraud findings and strategic recommendations to leadership and stakeholders. Ensure reports are clear, actionable, and tailored to the audience’s needs. Use data visualization tools to enhance the clarity and impact. - (20%)
• Work with cross-functional teams to integrate fraud prevention measures into business processes and systems. Foster strong relationships with internal and external partners to enhance fraud detection and prevention efforts. - (20%)
• Represent Fraud Strategy as a key stakeholder in projects, providing critical input; serve as a Fraud Subject Matter Expert in enterprise initiatives to ensure fraud risk interests are identified; participate in cross-functional meetings with business leaders; provide context on root causes and emerging threats with solutions; and be part of the on-call fraud incident management team. - (15%)
• Serve as the primary subject matter expert for assigned controls, managing solutions with significant independence and advising on key decisions beyond that scope. Act as the primary liaison with third-party vendor partners to continuously improve and enhance assigned solutions. - (15%)

Minimum Qualifications

• High School Diploma or GED
• 5+ years experience in fraud, risk, credit card, finance, banking, or related
• 5+ years experience with SQL, SAS or similar data mining tools

Preferred Qualifications

• Bachelor’s Degree Bachelor’s Degree in Business or a quantitative field
• 5+ years experience in the credit card, finance, banking, industries, or related
• 5+ years experience gathering and analyzing financial data

Skills

• Fraud Analytics
• Fraud Detection
• Fraud Analysis
• Fraud Awareness
• Bank Fraud
• Asset Protection
• Fraud Disputes

Reports To: Manager and above

Direct Reports: 0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% annually

Physical and Mental Requirements


To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing
• Communicate/Talking
• Move/Traverse
• Reaching
• Standing
• Stationary Position/Seated
• Typing/Writing

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

Salary Range (unless otherwise noted below):

$97,900.00 - $177,400.00

Full Salary Range for position:

California: $112,600.00 - $221,800.00 Colorado: $97,900.00 - $186,300.00 New York: $107,700.00 - $221,800.00 Washington: $102,800.00 - $204,000.00 Maryland: $102,800.00 - $195,200.00 Washington DC: $112,600.00 - $204,000.00 Illinois: $97,900.00 - $195,200.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

Bread Financial offers medical, prescription drug, dental, vision, and other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability) to eligible associates (regular full-time associates scheduled to work 30 hours per week or more) and their spouses/domestic partners, and child(ren) under the age of 26. New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period). Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period. Hired associates can immediately enroll in Bread Financial’s 401(k) plan.

All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.

Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance.

Click

here

for more Benefits information.

About Bread Financial

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and in many markets and we’re proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled—both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.

Bread Financial®

(NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and

Bread Pay®

buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded

Bread Cashback® American Express® Credit Card

,

Bread Rewards™ American Express® Credit Card

and

Bread Savings®

products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit

breadfinancial.com

or follow us on

Facebook

,

LinkedIn

,

X

and

Instagram

.

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).
• The Company is an Equal Opportunity Employer.
• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.
• The Company participates in E-Verify.
• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply.
• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at

  TaOps@breadfinancial.com

  .

Job Family:

Data and Analytics

Job Type:

Regular

Job Tags

Holiday work, Full time, Temporary work, Local area, Immediate start, Remote job, Flexible hours,

Similar Jobs