Job description
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Job Summary
The Account Protection Department, commonly referred to as the Fraud Department, is the area of the business that manages fraud reporting, investigation and resolution related to consumer complaints and disputes of fraudulent activity on our PLCC and Co-brand credit card accounts. Account Protection Deposit Investigators are be responsible for monitoring, processing and responding to fraud related inquiries, pended fraud evaluations (applications) and confirmed fraud claims for Deposit accounts. In addition, the Deposits Investigators are responsible for completing fraud cases on Commercial Card programs. The Investigator, utilizes various fraud detection tools to review and verify customer behavioral activity, thereby minimizing potential losses and reducing risk. Opportunities are achieved through reviewing and verifying information on existing accounts, receiving inbound and making outbound investigative phone calls to cardholders. Position requires proactive decision-making skills and excellent problem solving. The Deposit Investigator plays a key role in contributing to profitability and retaining customer loyalty while minimizing credit loss resulting from fraud.
Job Description
Essential Job Functions
Deliverables - Monitor fraud reporting and take appropriate action. Set up, Investigate, manage and complete fraud claims within required timeframe. Escalate if applicable to appropriate supervisor/manager for proper resolution (if applicable).
Customer Service - Receive incoming and make outgoing investigative and verification phone calls to customers to minimize fraud losses and risk exposure. Receive incoming calls from our consumers with pending fraud cases to provide updates. Provide courteous and professional service to customer, even in potentially escalating situations, representing Comenity/Comenity Capital in the most positive manner always. Demonstrate outstanding Verbal and Written Communication skills when working with internal and external partners via Microsoft Outlook and by phone.
Fraud Research
,
Review
and loss reduction
-
Perform fraud review and verify customer activity and identify potential fraud. Receive incoming and make outgoing phone calls. Process pended fraud evaluations (applications). Review, process and respond to fraud related mail inquiries.
Documentation
- Demonstrate procedural knowledge by properly documenting account in Synapsys and Alloy programs. Maintain up to date knowledge of current fraud trends and perform other duties as assigned.
Reports to: Account Protection Supervisor
Working Conditions/ Physical Requirements: Normal office environment
Direct Reports: None
Minimum Qualifications:
High School Diploma or GED or equivalent education
Six months or more experience within Account Protection
Preferred Qualifications:
Prior experience working with Consumer Deposit or Commercial accounts
Salary Range: Starting pay scale is $16.10 - $33.90 an hour. 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.
About Bread Financial
At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be a part of our award-winning culture. We’ve been consistently recognized as a best place to work 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 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 product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread Cashback American Express® Credit Card and Bread Savings products.
Headquartered in Columbus, Ohio, Bread Financial is powered by its 6,000+ global associates and is committed to sustainable business practices.
- 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:
Care Center Operations
Job Type:
Regular
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