Model Governance Senior Analyst

Comenity Bank; Columbus (OH); On-site; USD 81,000 - 130,000; Full time

Benefits offered by this job

401(k) plan

Paid holidays

Annual incentive bonus

Stock purchase program

Job summary

Bread Financial is seeking a Model Governance Senior Analyst to strengthen governance of financial models, including AML/BSA models, and to provide risk metrics reporting. The role emphasizes collaboration with cross-functional teams and use of GenAI to improve efficiency and insights.

The position is full-time, onsite within the United States, requiring the ability to work within a dynamic risk environment and to contribute to risk management excellence across the organization.

Qualifications

• High School Diploma or GED and 2+ years in banking/compliance or related financial services.
• Bachelor’s Degree in Financial Risk Management or related field preferred, 4+ years in banking/compliance.
• Experience with risk governance and AML/BSA is a plus.

Responsibilities

• Support the development, implementation, and maintenance of model governance policies and standards.
• Assist in validation and governance of Bread Financial’s AML/BSA models.
• Develop and maintain KRIs and KPIs to measure model risk and performance.

Skills

Microsoft Office

Analytical Decision Making

Technical Knowledge

Communication

Education

High School Diploma or GED

Bachelor’s Degree in Financial Risk Management or related field

Job description

Job Summary

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. The Model Governance Senior Analyst plays a critical role in ensuring the effective governance and oversight of our organization's models, identifying and mitigating model risks, working with our BSA/AML models, and assisting in providing insightful risk metrics and reporting to senior management. In this role, the analyst will also leverage GenAI and AI technologies to streamline workflows, enhance analytical capabilities, and drive greater efficiency across governance and reporting activities. This is an exciting opportunity to work in a dynamic and fast-paced environment, collaborating with cross-functional teams to drive model risk management excellence and support informed business decision‑making.

Essential Job Functions

• Support the development, implementation, and maintenance of model governance policies, procedures, and standards.
• (25%) Assist in validation and governance of Bread Financial’s AML/BSA models.
• (25%) Recognize, evaluate and record model risks, while also creating and updating controls to monitor these risks and their mitigation strategies.
• (25%) Assist in developing and maintaining key risk indicators (KRIs) and key performance indicators (KPIs) to measure model risk and performance.

Minimum Qualifications

• High School Diploma or GED 2+ years experience working in banking, compliance, treasury, capital, stress testing, model, or other similar financial services function

Preferred Qualifications

• Bachelor’s Degree in Financial Risk Management or related field of study 4+ years experience working in banking, compliance, treasury, capital, stress testing, model, or other similar financial services function

Skills

• Microsoft Office
• Analytical Decision Making
• Technical Knowledge
• Communication

Reports To

Manager and above

Direct Reports: 0

Work Environment

Normal office environment. Required to work onsite, full-time within 60 miles of a posted Bread Financial location.

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 Other Duties

Salary Range

$81,100.00 - $129,800.00

Full Salary Range for position: California: $93,300.00 - $162,300.00
Colorado: $81,100.00 - $142,800.00
New York: $89,200.00 - $162,300.00
Washington: $89,200.00 - $149,300.00
Maryland: $89,200.00 - $142,800.00
Washington DC: $93,300.00 - $149,300.00
Illinois: $81,100.00 - $142,800.00
New Jersey: $93,300.00 - $149,300.00
Vermont: $81,100.00 - $129,800.00
Ohio: $81,100.00 - $129,800.00
Maine: $81,100.00 - $129,800.00
Connecticut: $89,200.00 - $142,800.00
Virginia: $81,100.00 - $142,800.00

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.

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. 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 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.

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. Please contact the Recruiting Team at TaOps breadfinancial.com.

Job Family: Enterprise Risk Job Type: Regular