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Bread Financial
Bread Financial
5,001 – 10,000 Employees
H1B Visa SponsorConsultingInsuranceMarketing
Bread Financial is a financial services company focused on helping people manage everyday financial decisions, from shopping and borrowing to saving. Its offerings include high-yield savings accounts, certificates of deposit, credit cards such as the Bread Cashback Card and Bread Rewards Card, and Buy Now, Pay Later options. Bread Financial also publishes educational resources covering spending, saving, credit, and debt management, while selected credit products include features such as cash back, purchase protection, and identity theft insurance.
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Lead Compliance Specialist, Columbus (Hybrid)

Lead compliance oversight for Bread Financial’s consumer credit and payments businesses, advising on regulatory risk and compliance strategy. Drive risk assessments, controls, regulatory change, and AI governance initiatives.

USUnited StatesNYNew YorkOHOhioPAPennsylvaniaTXTexasUTUtah
$112,400 – $179,900 / year
HybridFull-timeSeniorEnglish RequiredCompliance

Description

  • Advise on risk-based compliance solutions that support organizational objectives
  • Independently lead compliance programs and designated focus areas
  • Guide business partners through risk assessments, projects, and regulatory change management
  • Strengthen regulatory agility across a complex and evolving regulatory environment
  • Drive the prompt resolution of compliance issues
  • Evaluate recurring themes and determine appropriate actions
  • Help business partners reduce risk through effective policies, procedures, processes, and controls
  • Create regulatory risk-mitigation solutions aligned with business goals
  • Lead education and advocacy for the Risk and Control Self-Assessment (RCSA) program
  • Escalate significant issues and risks to senior leadership
  • Present complex compliance topics to broad audiences when appropriate
  • Report to the Senior Manager and higher-level leaders; this role has no direct reports

Requirements

  • High school diploma or GED
  • Eight to ten years of experience in consumer credit, banking compliance, or a related field
  • Bachelor’s degree in compliance, risk, business, or a related discipline preferred
  • Subject-matter expertise in compliance, risk, privacy, or legal functions
  • Relevant certifications such as CRCM, CERP, CIPP, CAMS, or JD preferred
  • At least five years of experience with open-end consumer credit card lending and banking compliance, including Fair Lending, Regulation B/ECOA, TILA/Regulation Z, FCRA, and UDAAP
  • Experience providing indirect leadership to people
  • Analytical, solution-focused, and advocacy capabilities suited to a strategic advisory role
  • Knowledge of regulatory agility, Privacy by Design integration, AI governance, strategic influence, risk-based decision-making, regulatory compliance, research, change management, risk management, and risk assessments
  • Willingness and ability to travel up to 5% annually
  • Must be authorized to work full time in the United States without current or future sponsorship
  • F-1 student visa holders are not eligible
  • Ability to perform essential duties and satisfy physical, mental, and work-environment requirements

Benefits

  • Medical, prescription, dental, vision, and other voluntary benefit options
  • Basic and optional life insurance
  • Supplemental medical coverage options
  • Short-term and long-term disability coverage
  • Six weeks of fully paid parental leave following a 180-day waiting period
  • 401(k) plan available immediately upon hire
  • 11 paid holidays
  • Flexible Time Off (FTO) program
  • Paid Sick and Safe Time (PSST)
  • Illinois Paid Leave for Illinois associates
  • Opportunity to purchase company stock during June and December offering periods
  • Annual incentive bonus tied to individual and company performance
  • Career development opportunities
  • Wellness resources and a broad, inclusive benefits suite

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