Lead Privacy Compliance Advisor

Comenity Bank; United States; Hybrid; USD 112,000 - 180,000; Full time

Benefits offered by this job

Medical insurance

401(k) plan

Paid holidays

Job summary

Bread Financial seeks a Privacy Consultant Lead to advise on compliant, risk-based solutions that support the company’s privacy program and governance for emerging technology and AI.

This role influences senior partners, escalates risks, and presents to audiences; requires deep expertise in consumer banking compliance, privacy controls, and strategic risk management across business lines.

Qualifications

• Minimum Qualifications: High School Diploma or GED; 8-10 years in Consumer credit, banking compliance, or related field.
• Preferred Qualifications: Bachelor’s Degree in Compliance, Risk, or Business; CIPP; CAMS; CRCM; extensive experience with regulatory requirements (Fair Lending, Regulation B/ECOA, TILA/Reg Z, FCRA, UDAAP).

Responsibilities

• Independently champion compliance programs and advise on risk assessments and regulatory change management.
• Apply enterprise-wide risk-based thinking; educate on RCSA.
• Understand organizational goals and apply strategic thinking to mitigate regulatory risks.

Skills

Solution-Oriented

Regulatory Compliance

Researching

Decision Making

Change Management

Risk Management

Risk Assessments

Issue Identification

AI governance

Regulatory agility

Strategic influence

Risk based decision making

Privacy by Design Integration

Education

Bachelor’s Degree in Compliance, Risk, or Business

Certified Information Privacy Professional (CIPP)

Certified Anti-Money Laundering Specialist (CAMS)

Certified Regulatory Compliance Manager (CRCM)

CRCM CERP, CIPP or JD

Job description

Job Summary

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

Essential Job Functions

Drives the timely resolution of issues. Analyzes complaint themes and actions appropriately. Advises business partners on the mitigation of risks through implementation of policies, procedures, processes, and controls.

Key Responsibilities

• (30%) Independently champion compliance programs and areas of focus. Is an internal stakeholder in advising business partners on risk assessments, projects, and regulatory change management.


• (30%) Has a consistent enterprise-wide and risk-based thinking approach. Champions and educates business partners on the Risk and Control Self-Assessment program (RCSA).


• (25%) Understands the short- and long-term goals of the organization. Applies strategic thinking to develop appropriate solutions to mitigate regulatory risks.

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. Certified Information Privacy Professional (CIPP) Certified Anti-Money Laundering Specialist (CAMS Certified Regulatory Compliance Manager (CRCM) 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 Experience with Privacy by Design integration Subject matter expertise in Compliance, Risk, Privacy, or Legal background (CRCM CERP, CIPP or JD).

Skills

• Solution-Oriented


• Regulatory Compliance


• Researching


• Decision Making


• Change Management


• Risk Management


• Risk Assessments


• Issue Identification


• AI governance


• Regulatory agility


• Strategic influence


• Risk based decision making


• Privacy by Design Integration

Reports To : Senior Manager and above Direct Reports : 0

Work Environment

Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required **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

Salary Range (unless otherwise noted below): $112,400.00 - $179,900.00 Full Salary Range for position: California: $129,300.00 - $224,900.00 #xa;Colorado: $112,400.00 - $197,900.00 #xa;New York: $123,600.00 - $224,900.00 #xa;Washington: $123,600.00 - $206,900.00 #xa;Maryland: $123,600.00 - $197,900.00 #xa;Washington DC: $129,300.00 - $206,900.00 #xa;Illinois: $112,400.00 - $197,900.00 #xa;New Jersey: $129,300.00 - $206,900.00 #xa;Vermont: $112,400.00 - $179,900.00 #xa;Ohio: $112,400.00 - $179,900.00 #xa;Maine: $112,400.00 - $179,900.00 #xa;Connecticut: $123,600.00 - $197,900.00 #xa;Virginia: $112,400.00 - $179,900.00

Benefits

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).

Equal Opportunity Employer

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 and Type

Job Family: Enterprise Risk Job Type: Regular