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Job Summary

Essential Job Functions

• Field investigative and verification calls to mitigate fraud loss. Identify potential fraudulent activity by analyzing customer behavior. Provide exceptional customer service, managing escalated issues. Escalate complex cases to specialized investigative units. Demonstrate strong communication skills when communicating with stakeholders. - (25%)

• Efficiently process pending credit applications utilizing the SNAP system. Contribute to the intake of new fraud claims within the VCARS system. Operate multiple software applications simultaneously, including Experian KIQ, Falcon, Accurint, and Microsoft Office Suite (Word, Excel, PowerPoint, Teams) to support job responsibilities. - (30%)

• Maintain a current understanding of evolving fraud trends, policies, and procedures. Exhibit strong attention to detail and accuracy while analyzing data to inform decision-making. Prioritize and execute multiple tasks within established deadlines to meet operational goals. - (20%)

• Demonstrate exceptional performance by consistently exceeding quality and productivity goals. Actively participate in coaching sessions and meetings, both in-person and virtual, to enhance skills and performance. Foster open communication and collaboration while effectively managing time in a fast-paced environment. Utilize technology to optimize productivity. - (5%)

• Oversee assigned fraud cases to minimize financial loss through thorough investigation and recovery efforts. Efficiently manage caseload using Bread Financial's POW Case Management system. Conduct in-depth fraud investigations, identify suspects, and ensure accurate account crediting based on case outcomes. Request chargebacks in accordance with Bank Operating Procedures. - (20%)

Minimum Qualifications

• Bachelor’s Degree in Commerce, or Finance or related field of study or equivalent, relevant work experience

• Must be able to pass English Assessment

• 2+ years of experience in Account Protection or Fraud

Skills

• Active Listening

• Analytical Thinking

• Computer Usage

• Pattern Recognition

• Fraud Investigations

• Customer Service

Reports To: Manager and above

Direct Reports: 0

Work Environment

• Normal office environment, hybrid.

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.

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 that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.

• All job offers are contingent upon successful completion of credit and background checks.

• Bread Financial is an Equal Opportunity Employer.

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