Job Summary
The Associate EFCC Investigations Analyst serves as an investigator that evaluates and analyzes sensitive information concerning account and customer activity which is potentially linked to financial crimes.
Essential Job Functions
- 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. - (40%)
- Utilizes alert and case management systems. Requires proficient Excel skills for data manipulation, sorting, use of functions, and pivot tables. Prepares suspicious activity reports, customer intelligence reviews, and fulfills various regulatory reporting and supporting functions. - (30%)
- Processes investigations, customer reviews, and alerts within internal SLAs and regulatory deadlines. - (30%)
Minimum Qualifications
- High School Diploma or GED.
- 1-2 years experience in an investigative field including legal, law enforcement, banking, compliance, or fraud.
Preferred Qualifications
- Bachelor’s Degree in Business, Accounting, Criminal Justice, Analytics, Law, or Finance.
- Obtain CAMS, CGSS, CKYCA, CTMA, CFE, CAFP, or CRCM within 1 year of hire.
- 2+ years experience in an investigative field including legal, law enforcement, banking, compliance, or fraud.
Skills
- Analyze Information
- Time Management
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
Reports To: Supervisor and above
Direct Reports: 0
Work Environment
- Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.
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
- Typing/Writing
- Focus and complete tasks in situations that have a speed or productivity metric
- Maintain focus in high pressure or fast-paced work environment
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.
Typical Pay Range:
$27.05 - $43.30
Full Pay Range for position:
California: $31.10 - $54.15 Colorado: $27.05 - $47.65 New York: $29.75 - $54.15 Washington: $29.75 - $49.80 Maryland: $29.75 - $47.65 Washington DC: $31.10 - $49.80 Illinois: $27.05 - $47.65 New Jersey: $31.10 - $49.80 Vermont: $27.05 - $43.30 Ohio: $27.05 - $43.30 Maine: $27.05 - $43.30 Connecticut: $29.75 - $47.65 Virginia: $27.05 - $43.30
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, 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 a bi-annual grant of Paid Time Off (“PTO”) in each 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 (except associates in Alaska, California, Colorado, Montana and Nebraska who are paid for all unused PTO). Additionally, hourly associates (except those in California) generally receive 72 hours of Paid Sick Leave Plus (“PSL+”) per calendar year, with a pro-rated grant in the associate’s first year of employment to the extent allowed by applicable law. If additional PSL+ is required in a particular jurisdiction, the company with comply with applicable law. Unused PSL+ does not carry over from one calendar year to the next unless required by applicable law. Instead of PSL+, hourly associates in California receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year.
Hired associates will be able to elect the purchase company stock during offering periods in June and December.
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 [email protected].
Job Family:
Finance,Accounting and Banking
Job Type:
Regular
