Lead Compliance Specialist

Bread Financial Payments; Columbus (OH); Hybrid; USD 112,000 - 180,000; Full time

Job summary

Bread Financial is seeking a Lead-Compliance Specialist to influence business partners on risk assessments, regulatory changes, and compliant initiatives aligned with strategic roadmaps. The role requires guiding complex compliance matters, escalating issues to senior leadership, and presenting to large audiences as needed.

The position supports risk-based decision making across programs, ESG, and AI governance, with a focus on regulatory agility in a fragmented landscape.

Qualifications

• Minimum Qualifications: High School Diploma or GED.
• 8-10 years experience in Consumer credit, banking compliance, and/or a related field.

Responsibilities

• Independently champions compliance programs and areas of focus, applying strategic influence and risk-based decision-making to influence business outcomes.
• Drives the timely resolution of issues. Advises business partners on mitigation of risks through policies, procedures, processes, and controls.
• Understands the short- and long-term goals of the organization. Applies strategic thinking to develop appropriate solutions to mitigate regulatory risks.
• Has a consistent enterprise-wide and risk-based thinking approach. Champions and educates business partners on the Risk and Control Self-Assessment program (RCSA).

Skills

Regulatory agility

Privacy by Design

AI Governance

Strategic influence

Risk-based decision making

Solution-Oriented

Regulatory Compliance

Researching

Decision Making

Change Management

Risk Management

Risk Assessments

Education

Bachelor's Degree in Compliance, Risk, or Business

CRCM

CIPP

CAMS

JD

Job description

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

The Lead-Compliance Specialist advises on compliant, risk-based solutions that help the organization achieve its goals. This Compliance position effectively and independently influences internal business partners regarding new business and marketing initiatives to support, drive, and execute against Compliance strategies and strategic roadmaps in accordance with established timeframes, regulatory agility expectations, and emerging technology and AI governance. The Lead-Compliance Specialist advises and engages in complex compliance matters, escalates issues and risks to senior leadership, and presents to larger audiences as appropriate.

Essential Job Functions

• Independently champions compliance programs and areas of focus, applying strategic influence and risk-based decision-making to influence business outcomes. Serves as an internal stakeholder by advising business partners on risk assessments, projects, and regulatory change management, while promoting regulatory agility across a fragmented and evolving regulatory landscape. - (40%)
• Drives the timely resolution of issues. Analyzes themes and actions appropriately. Advises business partners on the mitigation of risks through implementation of policies, procedures, processes, and controls - (25%)
• Understands the short- and long-term goals of the organization. Applies strategic thinking to develop appropriate solutions to mitigate regulatory risks. - (20%)
• Has a consistent enterprise-wide and risk-based thinking approach. Champions and educates business partners on the Risk and Control Self-Assessment program (RCSA). - (15%)

Minimum Qualifications

• High School Diploma or GED.
• 8-10 years experience in Consumer credit, banking compliance, and/or a related field.

Preferred Qualifications

• Bachelor's Degree in Compliance, Risk, or Business.
• Subject matter expertise in Compliance, Risk, Privacy, or Legal background (CRCM, CERP, CIPP or JD).
• Certified Regulatory Compliance Manager (CRCM)
• Certified Information Privacy Professional (CIPP)
• Certified Anti-Money Laundering Specialist (CAMS)
• 5+ years with open End Consumer Credit Card Lending and Banking Compliance (Fair Lending, Regulation B/ECOA, TILA/Regulation Z, FCRA, and UDAAP), and leading people indirectly.
• Analytical, solution-oriented, and advocacy to execute in a strategic advisor

Skills

• Regulatory agility
• Privacy by Design Integration
• AI Governance
• Strategic influence
• Risk based decision making
• Solution-Oriented
• Regulatory Compliance
• Researching
• Decision Making
• Change Management
• Risk Management
• Risk Assessments

Reports To

Senior Manager and above

Direct Reports

0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are expected in office if within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% annually

Physical and Mental Requirements

To perform this job successfully, an individual must be able to perform each essential job function satisfactorily and meet the physical, mental and work environment requirements. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential job functions, absent undue hardship.

• Communicate/Hearing
• Communicate/Talking
• Stationary Position/Seated
• Typing/Writing
• Maintain focus in high pressure or fast-paced work environment

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.

Salary Range (unless otherwise noted below):

$112,400.00 - $179,900.00

Full Salary Range for position:

California: $129,300.00 - $224,900.00 Colorado: $112,400.00 - $197,900.00 New York: $123,600.00 - $224,900.00 Washington: $123,600.00 - $206,900.00 Maryland: $123,600.00 - $197,900.00 Washington DC: $129,300.00 - $206,900.00 Illinois: $112,400.00 - $197,900.00 New Jersey: $129,300.00 - $206,900.00 Vermont: $112,400.00 - $179,900.00 Ohio: $112,400.00 - $179,900.00 Maine: $112,400.00 - $179,900.00 Connecticut: $123,600.00 - $197,900.00 Virginia: $112,400.00 - $179,900.00

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.

You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders.

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.

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 that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn .

• 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.

Job Family:

Enterprise Risk

Job Type:

Regular