Senior Compliance Specialist

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

Benefits offered by this job

401(k) plan

Paid holidays

Medical, prescription drug, dental, &+

Job summary

Bread Financial is seeking a Senior Compliance Specialist to act as a trusted advisor on consumer regulatory compliance, focusing on digital platforms, credit channels, and financing programs. You will assess regulatory requirements, guide business partners, and support CMS enhancements while leveraging data analytics and AI tools to improve risk assessments and reporting.

The role emphasizes proactive partnership with cross-functional teams, risk mitigation, and adherence to applicable laws and

Qualifications

• High School Diploma; 5-8 years experience in consumer credit, banking compliance, or related field.
• Bachelor’s Degree in Business or equivalent education.; Advanced degree in law preferred.
• Certifications: CRCM and CERP desirable.

Responsibilities

• Guides on risk mitigation, policy implementation, and legal research.
• Presents risk implications to leadership and stakeholders.
• Conducts risk assessments and regulatory change management.
• Balances strategic and tactical projects across initiatives.
• Ensures initiatives comply with laws; educates on ERM and CMS frameworks.
• Collaborates on solutions to mitigate regulatory risks with business partners.

Skills

Regulatory Research

Decision Making

Change Management

Risk Management

Written Communication

Verbal Communication

Issue Identification

AI Tool Fluency

Reports

Education

Bachelor's Degree in Business or equivalent

Advanced degree in Law

CRCM Certification

CERP Certification

6 years in Consumer Credit Lending & Banking Compliance

High School Diploma

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 Senior Compliance Specialist at Bread Financial is a trusted advisor and subject matter expert on consumer regulatory compliance with knowledge and understanding of digital platforms, credit acquisition channels, and financing programs. This role identifies, researches, interprets, and assesses applicable regulatory requirements, providing practical, risk-based guidance to business partners to support compliant products, processes, and customer experiences. Operating as a proactive partner to the business, the Senior Compliance Specialist evaluates regulatory risks, conducts risk assessments, supports regulatory change management activities, and ensures strategic initiatives comply with applicable laws and regulations. The role drives effective risk mitigation strategies, supports the ongoing enhancement of the Compliance Management System (CMS), and collaborates across functional teams. In addition, the Senior Compliance Specialist will leverage data analytics and AI-enabled tools to improve risk assessments, project oversight, reporting, and compliance workflows, enabling more efficient and effective compliance management. Through a balance of strategic planning and execution, this role influences positive business outcomes while maintaining a strong culture of compliance and regulatory adherence

Essential Job Functions

• Guides on risk mitigation, policy implementation, and legal research. Presents risk implications to leadership.
• (35%) Conducts risk assessments and regulatory change management. Balances strategic and tactical projects.
• (25%) Ensures initiatives comply with laws. Drives risk-based solutions and educates on Enterprise Risk Management and Compliance Management System framework.
• (25%) Collaborates on solutions to mitigate regulatory risks and guides business partners on compliance.
• (15%)

Minimum Qualifications

• High School Diploma 5-8 years experience in consumer credit, banking compliance, or related field.

Preferred Qualifications

• Bachelor’s Degree in Business or equivalent education.
• Advanced degree in law
• Certified Regulatory Compliance Manager (CRCM)
• Certified Enterprise Risk Professional (CERP)
• 6 years in Consumer Credit Lending and Banking Compliance.

Skills

• Regulatory Research and Interruption
• Decision Making
• Change Management
• Risk Management
• Clear Written and Verbal Communication
• Issue Identification
• Solution-Oriented
• AI Tool Fluency
• Reports

Reports To

Reports To : 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.

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): $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 - $129,800.00

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.

Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).

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.

Eligibility & Hiring Policies

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

Job Family: Enterprise Risk Job Type: Regular