Fiu Analyst

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Job Summary
The BSA/AML Team safeguards the Bank from the threat of financial crimes including, but limited to, terrorist financing, money laundering, and other illicit activity through transaction monitoring and reporting of suspicious activity. The Analyst, BSA/AML Compliance serves as an investigator that evaluates and analyzes sensitive information concerning account and customer activity which is potentially linked to financial crimes.
Job Description
Essential Job Functions

• Analyzing Information - Analyze sensitive information concerning account and customer activity which is potentially linked to fraud, money laundering, terrorist financing, organized crime and other high profile financial crime activity. Uses various methodologies for researching, analyzing and mitigating compliance risks, such as high risk customers, transactions meeting thresholds, identity inconsistencies and law enforcement related items. Analysts must use Bank systems, third-party sites, and public records during their investigative analyses to determine reasonability of customer activity. Escalates important matters to management.

• Documentation and Technology: Utilizes the Actimize Case Management and Alert System. Requires proficient excel skills, including, but not limited to, data manipulation, sorting, use of functions, and pivot tables. Analysts must have strong writing skills and the ability to prepare a thorough investigative report which clearly and concisely details the results of their analysis. Utilizes knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, Access, OneNote, and Teams to execute daily work.

• Time Management and Accuracy: Processes investigations, customer reviews, and alerts within internal SLAs and regulatory deadlines, while meeting expected and established metrics. Stays up to date on the FFIEC examination manual. Apply critical thinking and time management skills in order to complete assigned tasks within our regulatory obligation timeframes. Follows direction and executes tasks as assigned, demonstrates original thinking that helps improve processes or identifies trends. Demonstrates the ability to work independently, remain organized, and prioritize work in order to work on multiple projects over the same time period with accuracy and attention to detail.

• Collaboration and Communication- Builds relationships by establishing trust, confidence and credibility with internal partners. Collaborates with team to establish connections across products, business units, processes, etc. Demonstrates outstanding verbal and written communication skills when working with internal and external partners. Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus in order to present the best solution.

Reports to: Manager, Bank Compliance
Working Conditions/ Physical Requirements:

• General Office Setting, some travel may be required
• This position is hybrid with an onsite schedule of 3-4 days per month. In-office requirements are subject to change based on business needs. This position is currently available to candidates that reside within 60 miles of Columbus, OH.

Direct Reports: None
Minimum Qualifications:

• At least one years in an Investigative field to include fields such as legal field, law enforcement, banking, compliance, fraud, etc.

Preferred Experience:

• Bachelor's Degree in Business, Accounting, Criminal Justice, Analytics, Law, Finance

Association of Certified Money Laundering Specialists:

• Certified Anti Money Laundering Specialist (CAMS)
• Certified Global Sanctions Specialist (CGSS)
• Certified KYC Associate (CKYCA)
• Certified Transaction Monitoring Associate (CTMA)
• Advanced CAMS Audit
• Advanced CAMS Risk Management

Association of Certified Fraud Examiners:

• Certified Fraud Examiner (CFE)

American Banker's Association:

• Certified AML and Fraud Professional (CAFP)
• Certified Risk Compliance Manager (CRCM)

Some exposure to BSA/AML Compliance
#INDPROF
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.
Typical Pay Range:
$26.55 - $48.05
Full Pay Range for position:
Washington: $27.85 - $55.25
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.
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, both full time and part time, can immediately enroll in Bread Financial's 401(k) plan.
All associates receive 11 paid holidays. Full-time hourly associates receive two grants of Paid Time Off ("PTO") in January and July based on their service date and scheduled hours, whereas newly hired full time hourly associates in their first year of employment receive a prorated PTO grant on their 61st day of employment based on the month of hire and scheduled hours. Associates will receive a payout of any unused PTO, up to 40 hours, paid out in the next calendar year. Hourly associates receive 72 hours of Paid Sick Leave per calendar year and pro-rated in the associate's first year of employment.
Hired associates will be able to elect to purchase company stock during offering periods in June and December.
Click here for more Benefits and PTO information.
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 7,500+ 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:
Enterprise Risk
Job Type:
Regular