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Job Summary

The Consultant delivers compliant, risk based solutions that help Bread Financial Bread Financial achieve its goals. Is a stakeholder in enterprise wide projects and initiatives. The Consultant establishes appropriate internal policies, strategies, and processes to mitigate compliance risk and ensure adherence to applicable laws while acting strategically and engages with business partners to drive risk-based solutions regarding compliance matters. This position effectively and independently influences internal business partners regarding the programs supported and drives and executes against compliance strategies and roadmaps in accordance with established timeframes. The Consultant advises and engages in complex compliance matters, escalates issues and risks to senior leadership, and presents to larger audience as appropriate. As a thought-leader, the Consultant communicates effectively, is a regulatory subject matter expert, leads indirectly, and is able to influence internal partners.

Essential Job Functions

• Delivery : Drives the timely resolution of issues. Analyzes complaint themes and actions appropriately., Advises business partners on the mitigation of risks through implementation of policies, procedures, processes and controls. Is a regulatory subject matter expert with the ability e to research laws and regulations, provide compliance guidance, and teach others. Able to present and articulate to senior compliance and bank leadership the risks that may affect the business and/or the banks.

• Leadership : Independently champion compliance programs and areas of focus. Is an internal stakeholder in advising business partners on risk assessments, projects, and regulatory change management. Represents compliance on enterprise-wide initiatives. Ensures Compliance Management System elements are integrated into day-to-day business operations and drives necessary changes. Ability to effectively manage multiple priorities and balance the ongoing changes to regulatory landscape. Thinks critically, able to problem solve, prioritizes work, and escalates appropriately.

• Risk Management: Has a consistent enterprise-wide and risk-based thinking approach. Champions and educates business partners on the Risk and Control Self-Assessment program (RCSA). Implements necessary changes to processes, controls, and testing based on regulatory changes and/or the outcomes of the RCSA testing program. Thinks critically and drives risk-based solutions. Integrates Compliance Management System elements into day-to-day work including the review of regulatory items, implementation of processes and procedures, monitoring of results, and the creation of action plans to address gaps. Oversees the identification and timely closure of issues. Conducts periodic formal and informal risk assessments (as needed).

• Business Advisor: Understands the short- and long-term goals of the organization. Applies strategic thinking to develop appropriate solutions to mitigate regulatory risks. Challenges internal business partners on compliance risk and effectively influences business decisions.

Reports to: Senior (Sr.) Manager, Compliance or Director, Compliance

Working Conditions/ Physical Requirements:

• Normal office environment, some travel may be required.


• This position is hybrid with an onsite schedule of 3-4 days per month. In-office requirements are subject to change based on business needs. This position is currently available to candidates that reside within 60 miles of Columbus, OH; Chadds Ford, PA; Draper, UT; Plano, TX; Wilmington, DE.

Minimum Qualifications :

• Bachelor's degree or equivalent education in Compliance, Risk, Business

• Six or more years in Consumer credit, banking compliance, and/or a related field

Preferred Experience:

• Bachelor's degree or advance degree (J.D. or MBA) in Law, Risk Management

• Applicable Compliance certification(s) including CRCM, CAMS, CIPP or other related certifications

• Five or more years experience with o pen End Consumer Credit Card Lending and Banking Compliance (Fair Lending, Regulation B/ECOA, TILA/Regulation Z, FCRA, and UDAAP), leading people directly or indirectly

#INDPROF

Other Duties

This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time.

Typical Starting Range:
$97,900.00 - $177,400.00

Full Salary Range for position:
California: $112,600.00 - $221,800.00

Colorado: $97,900.00 - $186,300.00

New York: $107,700.00 - $221,800.00

Washington: $102,800.00 - $204,000.00

Maryland: $102,800.00 - $186,300.00

Washington DC: $112,600.00 - $204,000.00

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 (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time ("PSST") upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.

Hired associates will be able to elect the 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.

Click here for more Benefits 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 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 .

• 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