Manager - Fraud Analytics

Job Summary: The Fraud Analytics Manager supports the Account Protection Fraud Strategy function by leading fraud trend analysis, developing mitigation strategies, and deploying data‐driven solutions to manage fraud losses while supporting revenue and growth objectives. This role manages a team of fraud analysts providing real‐time and trend‐based insights into fraud vulnerabilities and mitigation opportunities and is accountable for optimizing fraud controls across the customer lifecycle. The manager measures and monitors fraud performance through statistical analysis to quantify risk and opportunity, advances continuous improvement through control optimization and evaluation of new tools and data sources, and fosters a collaborative, high‐performance culture through technical mentorship and best‐practice adoption.

Essential Job Functions: Lead fraud strategy execution through advanced analytics by identifying emerging fraud trends, performing root‐cause analysis, and translating insights into actionable mitigation recommendations. Evaluate strategy changes, assess post‐implementation performance, and refine approaches to align with fraud loss targets and business priorities. - (25%)Manage and develop a team of fraud analysts responsible for delivering real‐time and trend‐based insights into fraud vulnerabilities and countermeasure opportunities. Oversee hiring, onboarding, performance management, and ongoing development while providing technical and analytical mentorship, promoting best practices, and fostering a collaborative, continuous‐improvement culture. - (25%)Design, implement, and optimize fraud prevention controls across the customer lifecycle, leveraging existing analytics tools, fraud platforms, and detection methodologies. Identify opportunities to enhance control effectiveness through data‐driven experimentation, expanded use of alternative data, and evaluation of new tools or capabilities. - (20%)Measure, monitor, and report fraud performance using statistical analysis to quantify risk, opportunity, and control effectiveness. Develop and maintain meaningful performance metrics and analysis that inform leadership decision‐making and guide ongoing strategy refinement. - (15%)Build and maintain effective relationships with cross‐functional partners, including Operations, Compliance, Credit, and Product teams, to ensure fraud strategies are well‐understood, compliant with regulatory expectations, and executed as designed. Contribute fraud risk expertise during planning and change initiatives to support successful implementation. - (15%)

Minimum Qualifications: High School Diploma or GED8-10 years of experience in fraud risk and/or credit risk strategy development within financial services.3+ years of experience leading project(s), mentoring and/or coaching experience Demonstrated experience analyzing large and complex data sets to identify fraud trends, quantify risk, and support data‐driven mitigation strategies. Preferred

Reports To: Director and above

Direct Reports: 2 - 5Work Environment

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 ReachingStandingStationary Position/SeatedTyping/Writing Other DutiesThis 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): $112,400.00 - $179,900.00 Full Salary Range for position: California: $129,300.00 - $224,900.00 Colorado: $112,400.00 - $197,900.00 New York: $123,600.00 - $224,900.00 Washington: $123,600.00 - $206,900.00 Maryland: $123,600.00 - $197,900.00 Washington DC: $129,300.00 - $206,900.00 Illinois: $112,400.00 - $197,900.00 New Jersey: $129,300.00 - $206,900.00 Vermont: $112,400.00 - $179,900.00 Ohio: $112,400.00 - $179,900.00 Maine: $112,400.00 - $179,900.00 Connecticut: $123,600.00 - $197,900.00 Virginia: $112,400.00 - $179,900.00 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. You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders. 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 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. 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: Credit Operations

Job Type: Regular

Location: Columbus, OH; Chadds Ford, PA; Frisco, TX; Draper, UT; New York, NY

Type: Full time