Essential Job Functions

Develop and communicate vision for the team, define success and how it will be measured. This includes delivering on the vision for the Account Protection function as well as more specific definitions for the Fraud Strategy Team.

Demonstrates the ability to work independently, remain organized, and prioritize work to work on multiple projects over the same time period with accuracy and attention to detail.

Utilize critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, is strategic, and gains consensus on the best solution.

Hire, develop, supervise, and retain key talent.

Ensure individuals have the skills and tools needed to support the development and execution of fraud mitigation.

Research and understand industry best practices for fraud mitigation strategies, techniques and risk.

Build relationships by establishing trust, confidence and credibility with senior leaders, executives, and regulatory bodies.

Build and maintain productive partnerships with key areas of the business (e.g., Operations, Credit Management, Client Partnership) to ensure strategies are comprehensive, fit for purpose and executed as designed.

Research and understand relevant regulations and work with Compliance and Operations partners to ensure strategies comply.

Ensure controls are in place to mitigate any potential liability.

Reports to: VP of Fraud

Work Environment:

Normal office environment.

As a senior leader, must work at a Bread Financial office a minimum of 6 days per month. Ability to travel 6 days a month if not located near a Bread Financial office.

Ability to travel 25% of time if not located near Bread Financial office

Direct Reports: This role will have two to four direct reports and eight to twelve direct reports in function.

Minimum Qualifications:

Bachelors Degree or equivalent education in Business Management, Statistics, Mathematics

Seven years work experience directly related to the role and five years minimum of supervisory experience

Seven years or more experience demonstrated understanding of risk management disciplines, varying analytic practices and fraud risk concepts.

Proven success in analyzing large amounts of data which foster actionable business decisions.

Experience managing data analysts or statisticians with a proven capacity to lend guidance, insight and comprehension of in-depth, detailed analysis they produce.

Solid understanding of operational execution is necessary to contextualize, and support recommended strategic deployments.

Preferred Experience:

Masters in Business Management, Statistics, Mathematics

Ten years or more in Fraud Risk and/or Credit Risk