Job details

Senior Product Owner - Digital Fraud Journeys & Experience

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Job Summary

The Sr Product Owner - Digital Fraud Journeys & Experience is a key member of the agile team and works with Product Managers to provide a clear tactical vision of the product that will be built. They focus on the end-user experience for all fraud related journeys across the entire customer lifecycle, and maintain clarity and focus for the team building the product so that they can deliver. This position works with 2 or more Agile Delivery team(s) to support delivery of new and existing digital capabilities across all bank products. This position leads the execution process within the Agile development teams and supports implementation and run activities. In the role there is accountability for working with the Product Management and Technology teams to help develop infrastructure, capabilities and solutions to protect the bank from fraud. This role brings the voice of the customer into our Product features, ensures that features delivered are aligned with the intended business, fraud and compliance outcome. The Sr. Product Owner works collaboratively with relevant internal partners (to include Fraud, Legal, Compliance, Information Technology, and Risk Management) to ensure product offerings are designed, implemented, and managed in compliance with all applicable laws and regulations.

Job Description

Essential Job Functions

Strategy & Planning: Works closely with cross functional stakeholders to support and influence a long term digital capabilities roadmap, identify new features, and ensure that delivery of the capability is timely, of the highest quality and in line with cost targets. Consults with business partners to understand current and future business needs requiring multi-platform solutions. Integrates data analytics, capability metrics, user experience research, competitive and market analysis, and company goals to drive prioritization of capabilities initiatives. Focuses on ensuring that the product value proposition and desired business capabilities are reflected in the product developed to ensure the success of the business endeavor. Participates in the creation of business cases and presentations for key internal stakeholders, participates in the capabilities development process, and performs business testing during technical implementations.

Delivery: Capable of leading multiple Agile teams independently-who can run multiple projects in parallel and or large scale enterprise projects. Represents business stakeholders to elicit, understand, analyze, document, refine and communicate business needs, so that business and/or technical delivery teams can build effective solutions; requiring a detailed understanding of customer needs, as well as business vision and strategy, to prioritize investment, business value and delivery. Works collaboratively within multiple evolving development methodologies including iterative Agile and sequential Waterfall programs and projects, and variations thereof. Serves as the business requirements expert, engaging and managing the work of subject matter specialists from the business. Serves as the day to day decision maker and provides continual business guidance for the execution team. Prioritizes the execution team`s work so that it aligns with the sponsor's/business executive's strategies.

Risk Management and Strategy alignment: Leads, manages or orchestrates activities for completion and proper documentation of business requirements and validating metrics as appropriate for methodology and Enterprise controls. Works with the business and IT delivery teams to identify and mitigate risks to include business operational risks. Escalates issues and develops and recommends appropriate solutions. Assess value, develop epics, and prioritize stories to ensure work focuses on tasks that provide maximum value and are aligned with business strategy.

Relationship and Process Management: Is truly ingrained with the Scrum team, building relationships/partnerships. Although not leading people directly, the Product Owner does lead the Scrum team and values building relationships within the team. Works with technology partners to ensure the capabilities are stable, operational and meets service level agreements and partners with technology teams on potential improvements if gaps are realized. Works with business stakeholders during various stages of a product development, including feature and story-level development. Identify product scope, delivery timelines, and dependencies through managing different cross-functional teams, business partners and stakeholders

Leadership: Trains and mentors Product Owners and serves as an ambassador for the team in more global training, recruiting and associate engagement effort

Reports to: Director or Sr. Manager

Working Conditions/ Physical Requirements: Normal office environment, some travel may be required.

Direct Reports: None

Minimum Qualifications:

Bachelor’s Degree in Product Management, BA, IT

Five to Seven years experience in retail, financial services, payment, online and mobile platforms; Agile developmental techniques; and 3rd party vendors and oversight of 3rd party vendor integration products

Preferred Experience:

Some Supervisory experience preferred

Typical Starting Range:

$95,900.00 - $173,900.00

Full Salary Range for position:

California:$110,400.00 - $217,400.00

Colorado:$95,900.00 - $182,600.00

New York:$105,500.00 - $217,400.00

Washington:$100,700.00 - $200,100.00

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:

Marketing

Job Type:

Regular