Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary A Sr. Analyst provides support to internal business areas in identifying and addressing current and emerging regulatory compliance risks. Works with assigned business areas to understand internal policies, strategies, and processes to mitigate compliance risk and ensure adherence to applicable laws. Works with direct leader to provide guidance to the business areas supported. Partners with leader to execute against compliance strategies and roadmaps in accordance with established timeframes. Advises on compliance matters and escalates issues and risks to compliance leadership, as appropriate. Communicates effectively and is able to influence internal business partners 1-2 levels above. Essential Job Functions Delivery: Knowledgeable regarding issues, complaint themes, and risks related to the program areas supported. Partners with internal business areas, with oversight from direct leader, to mitigate risks through implementation of policies, procedures, processes and controls. Able to research laws and regulations and work with direct leader to provide compliance guidance to internal business partners. Able to articulate to compliance leadership risks that may affect the business and/or the banks. Risk Management: Foundational understanding of enterprise-wide and risk-based thinking approach. Ensures business initiatives supported meet applicable laws and regulations to mitigate risk. Thinks critically and collaborates with direct leader and internal business partners to drive risk-based solutions. Challenges business partners regarding compliance risk and is able to appropriately influence business decisions or escalate to direct leader, as appropriate. Conduct periodic formal and informal risk assessments (as needed) and gap analyses to identify risks and partners with direct leader and the business to develop actions plans to address deficiencies. Business Advisor: Collaborates with the business to understand strategic and tactical work being done to develop appropriate solutions to mitigate regulatory risks. Provides guidance to internal business partners on compliance requirements related to business activities. Risk Management: Has a consistent enterprise-wide and risk-based thinking approach. Ensures business initiatives supported meet applicable laws and regulations to mitigate risk. Thinks critically and drives the implementation of risk-based solutions. Integrates Compliance Management System elements into day-to-day considerations related to program areas supported. Challenges and influences internal business partners on applicable compliance risks to processes and procedures. Champions and educates business partners on the Risk and Control Self-Assessment program (RCSA). Conducts periodic formal and informal risk assessments (as needed) and gap analyses to identify risks and partners with the business to develop actions plans to address deficiencies. Industry Knowledge: Stays current on regulatory requirements, industry trends, and enforcement actions to ensure that Advertising activities remain compliant. Assists in strategically and creatively evolving and maturing the Advertising Compliance Program. Reports to: Manager or higher 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. Direct Reports: None Minimum Qualifications: Bachelor’s Degree in Compliance, Risk or Business or equivalent education Two or more years of experience in Consumer credit, banking compliance, and/or a related field Preferred Experience: Applicable Compliance certification(s) including CRCM, CAMS, CIPP or other related certifications Work experience in Open End Consumer Credit Card Lending and Banking Compliance (Fair Lending, Regulation B/ECOA, TILA/Regulation Z, FCRA, and UDAAP). #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: $61,900.00 - $112,100.00 Full Salary Range for position: California: $71,200.00 - $140,200.00 Colorado: $61,900.00 - $117,800.00 New York: $68,100.00 - $140,200.00 Washington: $65,000.00 - $129,000.00 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 FinancialTM 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 CashbackTM American Express® Credit Card and Bread SavingsTM products. Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 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: Enterprise Risk Job Type: Regular About Bread Financial As a tech-forward financial services company, we strive to create value for both our customers and our associates. At Bread Financial, you are empowered to thrive. Our company is bold, tenacious and innovative, challenges you to be your best, respects your voice, recognizes your contributions, cares for your total well-being, and has a collaborative, kind and inclusive culture that fosters growth and success. Bread Financial is headquartered in Columbus, Ohio, and committed to sustainable business practices powered by its approximately 7,000 global associates. 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.