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 Specialist advises internal business partners at Bread Financial in identifying and addressing current and emerging regulatory compliance risks. The Specialist establishes internal policies, procedures, and processes to mitigate compliance risk and ensure adherence to applicable laws. This role actively engages with business partners to drive risk-based solutions regarding compliance matters and executes against compliance strategies and roadmaps in accordance with established timeframes. The Specialist escalates issues and risks to compliance leadership, as appropriate; acts as thought-leader; communicates effectively; and is able to influence. Job Description Essential Job Functions Delivery: Knowledgeable regarding issues, complaint trends, and risks related to the program areas supported. Advises business partners on risk mitigation strategies through implementation of policies, procedures, processes and controls. Able to research laws and regulations and effectively advise internal business partners. Able to articulate and present to compliance leadership risks that may affect the business and/or the banks. Leadership: Provides guidance and direction to internal business partners regarding risk assessments, projects, and regulatory change management. Ensures Compliance Management System elements are integrated into day-to-day business operations. Ability to balance strategic and tactical projects. May participate on enterprise wide projects. Thinks critically, able to problem solve, prioritizes work, and escalates appropriately. 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. Business Advisor: Collaborates with the business to understand strategic and tactical work being done to develop appropriate solutions to mitigate regulatory risks. Effectively challenges and provides guidance to internal business partners on compliance requirements related to business activities. Reports to: Manager, Compliance/Senior Manager, Compliance/Director, Compliance Working Conditions/ Physical Requirements: Normal office environment, some travel may be required. This position is hybrid with on an offsite scheduled 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 or equivalent education in Compliance, Risk, Business Four or more years experience 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 of work experience in Open End Consumer Credit Card Lending and Banking Compliance (Fair Lending, Regulation B/ECOA, TILA/Regulation Z, FCRA, and UDAAP). #INDPROF 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: $79,500.00 - $144,100.00 Full Salary Range for position: California: $91,500.00 - $180,100.00 Colorado: $79,500.00 - $151,300.00 New York: $87,500.00 - $180,100.00 Washington: $83,500.00 - $165,700.00 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 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 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. You will thrive at a company that’s 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 7500 global associates. 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.