Senior Compliance Specialist

Senior Compliance SpecialistThe Senior Compliance Specialist at Bread Financial is a key advisor on regulatory compliance risks, establishing policies and processes to mitigate risks and ensure legal adherence. This proactive role engages with business partners to implement compliance strategies and influence positive outcomes. The Senior Compliance Specialist at Bread Financial is a key advisor focused on regulatory compliance risks, overseeing a wide variety areas. The Senior Compliance Specialist will identify and assess regulatory risk, provides practical guidance to business partners, and help implement compliant products, processes, and controls. The role will also ensure that standards and procedures are maintained; support risk assessments, regulatory change and issue management.Essential Job FunctionsGuides 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 QualificationsHigh School Diploma5-8 years experience in consumer credit, banking compliance, or related field.Preferred QualificationsBachelor's Degree in Business or equivalent education.Advanced degree in lawCertified Regulatory Compliance Manager (CRCM)Certified Enterprise Risk Professional (CERP)6+ years in Consumer Credit Lending and Banking Compliance.SkillsRegulatory Research and InterruptionDecision MakingChange ManagementRisk ManagementClear Written and Verbal CommunicationIssue IdentificationSolution-OrientedAI Tool FluencyReports To: Manager and above Direct Reports: 0 Work EnvironmentNormal 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/HearingCommunicate/TalkingStationary Position/SeatedTyping/WritingMaintain focus in high pressure or fast-paced work environmentSalary Range (unless otherwise noted below):$81,100.00 - $129,800.00Full 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 - $129,800.00The 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.