Bread Financial
Bread Financial
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.

Senior Compliance Testing Specialist - Bread Financial Hybrid

Lead compliance testing for Bread Financial’s consumer lending and payment services, including regulatory controls and AI-related risks. Manage testing projects and provide risk-based guidance to business stakeholders.

Description

  • Create test plans and lead regulatory compliance testing activities
  • Evaluate organizational risk and internal control effectiveness
  • Review business processes and procedures supporting compliance activities
  • Advise business teams on practical approaches to implementing compliance management programs
  • Partner with stakeholders through risk-based guidance informed by business-process knowledge
  • Communicate with key stakeholders and influence decision-makers up to two levels above the role
  • Act as a subject matter expert for assigned departmental functions
  • Lead, motivate, and support the development of the compliance testing team
  • Oversee projects and provide training to associates
  • Deliver ongoing performance feedback to compliance testing associates
  • Define the scope and approach for transactional and control-environment testing based on applicable laws and identified risks
  • Create review scopes aligned with business-area and process expertise

Requirements

  • High school diploma or GED required
  • Five to eight years of experience in consumer credit, banking compliance, or a related field
  • Must be authorized to work full time in the United States without current or future sponsorship
  • F-1 student visa holders are not eligible for employment
  • Ability to travel up to 5% annually
  • Bachelor’s degree in business or equivalent education preferred
  • Preferred certifications include CRCM, CERP, CIA, CFSA, ACAMS, PMP, CPA, or similar credentials
  • Six or more years of experience in consumer credit lending and banking compliance preferred
  • Experience assessing controls and processes for TILA, ECOA, UDAAP, FCRA, SCRA, MLA, and related regulations
  • Experience writing SQL and extracting and evaluating data from internal warehouses such as EDW, EDH, and Databricks
  • Knowledge of AI tools and experience evaluating consumer compliance and IT risks against guidance and frameworks such as NIST and ISO 42001
  • Research skills
  • Issue identification skills
  • Change management skills
  • Risk management skills
  • Risk assessment skills
  • Solution-oriented approach
  • Decision-making skills

Benefits

  • Medical, prescription drug, dental, vision, and other voluntary benefit options
  • Basic and optional life insurance coverage
  • Supplemental medical plan options
  • Short- and long-term disability coverage
  • Six weeks of fully paid parental leave after a 180-day waiting period
  • 401(k) plan with immediate enrollment
  • 11 paid holidays
  • Flexible Time Off program
  • Paid Sick and Safe Time
  • Illinois Paid Leave for Illinois associates
  • Opportunity to purchase company stock during designated offering periods
  • Annual incentive bonus tied to individual and company performance
  • Career development opportunities
  • Wellness support
  • Disability accommodations for employees

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