Job details

Remote Consumer Remediation Senior Analyst

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Job Summary

The Senior Analyst, Consumer Restitution Management, drives consumer restitution for complex operational and compliance issues in the highly regulated financial industry. The Senior Analyst focuses on issues that are deemed regulatory with all levels of criticality ratings. The scope of ownership and responsibility include: research, communication, remediation and resolution of single and multi-client issues initiated by the Client, Account Teams and other internal partner/sources. As a project manager, influences and leads issues driving the overall restitution strategy and resolution. The Senior Analyst, Consumer Restitution Management is accountable for communication and interactions with first, second and third lines of defense on issue resolution. Based on the elevated stakeholders and audience, the Senior Analyst utilizes operational acumen, influence and command skills as well as strong situational awareness.

Job Description

Essential Job Functions

Project Management - Has ownership of book of business determined by Client impact by acting as the project manager to drive the restitution to successful closure so validation requirements are met. Partners with Sr. Manager on decisions, influencing partners and management of Client issues including: file errors, system break issues, technology testing, research, remediation and communication directly with Client. Uses strategic acumen to make recommendations for restitutions and manages through the execution and implementation. 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.

Strategy - Makes recommendations for decisions related to profit/loss of a business unit or issue specific to effective outcomes of financial remediation where best course of action is derived to make customers whole while considering best solution for the business. Evaluates the financial impact to the business while balancing this with adherence to regulatory guidelines and seeking consultation with legal and compliance. Takes initiative to identify opportunities and problem solve. Utilizes critical thinking skills to help analyze business issues, collaborates with stakeholders to resolve problems, and gains consensus on the best solution.

Issue Management - Researches and identifies opportunities for process improvements and efficiencies. Uses problem-solving skills to overcome obstacles and resolve issues. Exhibits a proactive, analytical approach toward issue resolution. Involved in formulating policies or procedures through issue resolution by understanding the procedure or policy impacted, understanding the changes necessary to be made and the impact of those changes. Works closely with Compliance, account teams, bank compliance officers and technical areas of the business to understand how to incorporate new practices and/or inform large audiences of a change or explanation of an issue and the issue remediation.

Collaboration - Participates in team sessions designed to identify duplicate issues, reoccurrence and general repetitive trends. Collaborates with leads and managers to understand patterns and leads solutions to fit needs. Prioritizes efforts on critical initiatives. Participates in creating proactive solutions based on historical trends. Understands patterns and leads solutions to fit needs. Continually develops knowledge of the organization to complete tasks. Demonstrates outstanding Verbal and Written Communication skills when working with internal and external partners.

Reports to: Senior Manager, Consumer Restitution Management

Working Conditions/ Physical Requirements: Normal office environment, Travel as required to support projects.

Direct Reports: None

Minimum Qualifications:

One or more years experience in Business, Organizational Management, Finance, Accounting, Risk Management, Operations Management, or related field

Preferred Experience:

Bachelor’s Degree in Business, Organizational Management, Finance, Accounting, Risk Management, Operations Management, or related field

Regulatory compliance training (UDAAP, REGZ, FCRA, ECOA) and root cause analysis training.

Three or more years experience with Consumer restitution of regulatory issues.

Typical Starting Range:

$68,500.00 - $124,100.00

Full Salary Range for position:

California:$78,800.00 - $155,200.00

Colorado:$68,500.00 - $130,400.00

New York:$75,300.00 - $155,200.00

Washington:$71,900.00 - $142,800.00

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.

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 receive 80 hours of Paid Sick and Safety Time per calendar year at the beginning of each year and is prorated 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. You will be eligible for an annual incentive bonus based on individual and company performance.

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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