Director Fraud Strategy

About the role

The Director of Fraud Strategy leads the Fraud Strategy function of Account Protection, being responsible for the analysis of fraud trends, the development of mitigation strategies and deployment of creative solutions to effectively manage fraud losses, maximize revenue, and support business growth.

Responsibilities

• Develop and communicate vision for the team, define success and how it will be measured.
• 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, collaborate 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.

  Requirements

  Minimum Qualifications:

  • Bachelor’s 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.

  Qualifications

  Preferred Experience:

  • Master’s in Business Management, Statistics, Mathematics
  • Ten years or more in Fraud Risk and/or Credit Risk

  Skills

  Essential Job Functions:

  • Develop and communicate vision for the team, define success and how it will be measured.
  • 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, collaborate 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.

  Benefits

  Salary Range (unless Otherwise Noted Below):

  • $134,400.00 - $278,200.00
  • California: $154,500.00 - $347,700.00
  • Colorado: $134,400.00 - $292,100.00
  • New York: $147,800.00 - $347,700.00
  • Washington: $141,100.00 - $319,900.00
  • Maryland: $141,100.00 - $306,000.00
  • Washington DC: $154,500.00 - $319,900.00
  • Illinois: $134,400.00 - $306,000.00
  • New Jersey: $154,500.00 - $319,900.00
  • Vermont: $134,400.00 - $278,200.00
  • Ohio: $134,400.00 - $278,200.00
  • Maine: $134,400.00 - $278,200.00
  • Connecticut: $147,800.00 - $306,000.00
  • Virginia: $134,400.00 - $278,200.00

  Pay

  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.

  Schedule

  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.

  Company 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