Senior Compliance Testing Specialist

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Job Summary

The Senior - Compliance Testing Specialist develops test plans, coordinates, and conducts regulatory compliance tests to assess risk, internal controls, evaluate internal business processes as they relate to compliance activities, and analyze operating procedures. They provide a solution-based approach through engagement with the business on the implementation of a compliance management program through risk-based guidance and a deep understanding of business processes. They communicate effectively with key stakeholders and demonstrate the ability to influence 1 to 2 levels above role. They serve as a subject matter expert for various functions within the department.

Essential Job Functions

• Lead, motivate, and assist in the development of the compliance testing team, inclusive of project supervision, associate training, and providing feedback to compliance testing associates on a recurring basis. (40%)
• Plan and scope compliance transactional-related tests and control environment tests by assessing the applicable laws and risks. (30%)
• Utilizing knowledge of the business area or process to develop an appropriate scope for review. (30%)

Minimum Qualifications

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

Preferred Qualifications

Bachelor’s Degree in Business or equivalent education. Certifications: CRCM, CERP, CIA, CFSA, ACAMS, PMP, CPA, etc. 6+ years experience in Consumer Credit Lending and Banking Compliance. Evaluation of controls / processes specific to regulations such as TILA, ECOA, UDAAP, FCRA, SCRA, MLA, etc. Sufficient knowledge and exposure to writing SQL code and extracting and evaluating data from internal warehouses (EDW, EDH, Databricks). Exposure and knowledge with regards to AI tools and how to evaluate them for consumer compliance risk and IT risk against relevant guidance and industry framework (EX NIST / ISO 42001).

Skills

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

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.

Travel Ability

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

• $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

Work Authorization

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.

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 View email address on click.appcast.io.

Job Family: Enterprise Risk Job Type: Regular

About Bread Financial

As a tech-forward financial services company, we strive to create value for both our customers and our associates. At Bread Financial, you are empowered to thrive. Our company is bold, tenacious and innovative, challenges you to be your best, respects your voice, recognizes your contributions, cares for your total well-being, and has a collaborative, kind and inclusive culture that fosters growth and success. Bread Financial is headquartered in Columbus, Ohio, and committed to sustainable business practices powered by its approximately 7,000 global associates. 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.

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 ourco‑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.

Now join us and build the future of finance.