Job Summary

The Consultant delivers compliant, risk-based solutions that help the organization achieve its goals. This position effectively and independently influences internal business partners regarding the programs supported and drives and executes against compliance strategies and roadmaps in accordance with established timeframes. The Consultant 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. - (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. - (15%)

Minimum Qualifications

• High School Diploma or GED.
• 8+ 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.
• Experience evaluating, implementing, and governing compliance with AI legislation
• Experience developing and operationalizing risk frameworks (e.g. NIST AI RMF, ISO 42001)

Skills

• Solution-Oriented
• Regulatory Compliance
• Researching
• Decision Making
• Change Management
• Risk Management
• Risk Assessments
• Issue Identification

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 (unless otherwise noted below):
$97,900.00 - $177,400.00

Full Salary Range for position:
California: $112,600.00 - $221,800.00

Colorado: $97,900.00 - $186,300.00

New York: $107,700.00 - $221,800.00

Washington: $102,800.00 - $204,000.00

Maryland: $102,800.00 - $195,200.00

Washington DC: $112,600.00 - $204,000.00

Illinois: $97,900.00 - $195,200.00

New Jersey: $112,600.00 - $204,000.00

Vermont: $97,900.00 - $177,400.00

Ohio: $97,900.00 - $177,400.00

Maine: $97,900.00 - $177,400.00

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.

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.

Job Family:
Enterprise Risk

Job Type:
Regular