Fraud Representative - Work at Home Job at Bread Financial
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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. The Account Protection Triage Associate (WAH) is responsible for taking incoming calls from customers and business partners related to potential fraud concerns. The Triage associate will utilize various tools to initiate fraud investigations, assist with pending applications and verify transaction activity. The role contributes to our profitability and retention of customer loyalty while minimizing credit loss resulting from Fraud.
Job Description
Essential Job Functions
Customer Experience- Receive incoming investigative and verification phone calls from customers and business partners to minimize fraud loss and risk exposure. Review and verify customer behavioral activity and identify potentially fraudulent activities. Provide courteous and professional service to customers, even in potentially escalating situations. Escalate any fraud issues to the appropriate investigative unit for proper resolution. Demonstrate outstanding Verbal and Written Communication skills when working with internal and external partners.
Documentation - Process pending credit applications using SNAP. Assist with intake of new fraud claims in VCARS. Demonstrate ability to utilize multiple programs simultaneously such as Experian KIQ, FDWC, and Accurint to perform job functions.
Processes - Maintain up-to-date knowledge of current fraud trends and current fraud policies and procedures. Demonstrate attention to detail and accuracy by analyzing data and drawing conclusions based upon the data. Establish and meet critical deadlines while prioritizing multiple activities and complex projects simultaneously.
Reports to: Supervisor or Manager
Working Conditions/ Physical Requirements: Call Center environment; job requires sitting the majority of the workday
Work from Home Conditions:
- Work from home office; Travel to care center site as needed (if applicable). Job requires sitting the majority of the workday. Schedule flexibility to work 40 hours per week including days, evenings and weekends.
- Workspace Environment- A dedicated workspace that is able to simulate an office environment. The room should provide an area that separates you from others while working.
- Equipment- Bread Financial will provide you with the equipment to work from home. This equipment is able to be used for work purposes only.
- Internet/Phone- Bread Financial requires W@H associates to have internet access in order to perform the responsibilities of their role remotely. At a minimum, associates working from home are required to have Cable or Fiber Residential Broadband Internet Service at the following minimum speeds: 25Mbps Download / 5Mbps Upload. This access enables the W@H associate to connect to information and other resources within Bread Financial. Satellite, DSL, Cellular (i.e. 4G and 5G), Microwave, and other types of connectivity are not permitted for use due to their limited speeds and/or less stable connectivity. Additionally, a wired ethernet connection is required.
- Location- Although this position is considered work at home, the candidate must reside within the same state.
Direct Reports: None
Minimum Qualifications:
High School Diploma or GED or equivalent education
If position is Bilingual, must pass Bilingual assessment.
#INDCLASS
Pay Range:
$18.00 - $23.10
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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