IN0146 - BSA/AML Analyst, 2

Essential Job Functions

Investigations:

• Conducts time-sensitive, meticulous investigation on each account and customer activity which is potentially linked to money laundering, terrorist financing, organized crime and other high-profile financial crime activity in order to determine if further investigation is warranted.

• The role requires critical time management skills in order to complete investigations within procedurally defined timelines. Complete other time sensitive BSA tasks including, but not limited to, OFAC and PEP screening.

Compliance:

• Applies internal policies and control procedures with a knowledge and understanding of guidance, laws and regulations.

• Maintain and grow subject matter expertise and knowledge of Compliance Management Systems.

• Demonstrates foundational knowledge of credit card operations, banking, financial, loyalty rewards, retail and credit card regulations while working with the business.

• Applies knowledge of Microsoft Office tools such as Word, Excel, PowerPoint, and Teams to execute daily work.

• Excellent grammar, written and verbal communication skills is required.

Business Partnerships:

• Escalates complex or significant issues to more senior compliance associates as appropriate.

• The role is responsible for communicating discoveries, issues, best practices and trends with internal BSA/AML constituents.

• Partner with the business to understand processes, proposals, projects, etc. to develop a risk-based set of solutions to address regulatory requirements.

• Effectively communicates within the BSA/AML Compliance organization and across other areas of the business, conveying key information to both internal and external audiences as appropriate.

• Complete all mandatory e- learning modules within stipulated timelines and attend trainings for which nominated

Reports to:

• Lead or above

Working Conditions/ Physical Requirements:

• General Office Setting.

Direct Reports: None

Minimum Qualifications:

• Bachelor s Degree or equivalent education in any discipline

• Two or more years of experience to include atleas one year of experience in Financial Crimes Compliance, Transaction Monitoring, Customer Screening in banking and financial services

Preferred Experience:

Two or more years of experience in Financial Crimes Compliance, Transaction Monitoring, Customer Screening in banking and financial services

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 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 suite of payment solutions that includes private label and co-brand credit cards and Bread Pay buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread Cashback American Express Credit Card , Bread Rewards American Express Credit Card and Bread Savings products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit breadfinancial.com or follow us on Facebook , LinkedIn , X and Instagram .