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Job Summary

The Senior Associate is responsible for supporting the team manager with the day to day functions of the EFCC Operations Department in the area of the Bank Secrecy Act and Anti-Money Laundering to ensure all regulatory requirements are met. The candidate is expected to provide a high level of service and be responsive to the needs of all business units served by the Department. The Senior associate is responsible for managing their workload successfully to completion with limited supervision, manage a diverse portfolio of tasks with various deadlines maintain a high level of performance. They are responsible for providing high level of support to the overall management of the BSA program.

 

Essential Job Functions

• Investigations: Conducts time-sensitive, meticulous investigation on each account and customer activity which is potentially linked to money laundering, terrorist financing, organized crime and other high-profile financial crime activity in order to determine if further investigation is warranted by using internal and external applications - (40%)
• Compliance: Complete investigations within procedurally defined timelines. Complete other time sensitive BSA tasks including, but not limited to, OFAC and PEP screening. Apply internal policies and control procedures with a knowledge and understanding of guidance, laws and regulations - (30%)
• Utilizes alert management systems. Requires proficient Excel skills for data manipulation, sorting, use of functions, and pivot tables - (20%)
• Escalates complex or significant issues to senior compliance associates as appropriate - (10%)

Minimum Qualifications

• Bachelor’s Degree or equivalent education in Banking/Finance/Commerce
• 3-5 years of experience to include at least one year of experience in Financial Crimes Compliance, Transaction Monitoring, Sanctions Screening in banking and financial services

Preferred Qualifications

• CAMS
• 3+ years of experience in Financial Crimes Compliance, Transaction Monitoring, OFAC and PEP Screening in banking and financial services

Skills

• Bank Secrecy Act (BSA)
• Anti-Money Laundering (AML)
• Customer Identification Program
• Transaction Monitoring
• Transactional Analysis
• Fraud Detection
• Sanctions Screening
• Microsoft Excel

Reports To: Supervisor 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.

Job Family:

Enterprise Risk

Job Type:

Regular