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About the Role

The Lead - AI Governance Risk Specialist is responsible for identifying, assessing, and mitigating risks associated with the deployment and use of Artificial Intelligence (AI) technologies. This role ensures AI systems comply with regulatory standards, ethical guidelines, and responsible AI principles, while fostering a culture of responsible AI use. The role supports AI governance and risk oversight with emphasis on evaluating AI use cases, AI-enabled tools, data considerations, third-party solutions, testing approaches, monitoring requirements, and control effectiveness. It partners across business, technology, cybersecurity, legal, compliance, privacy, data governance, third-party risk, model risk, and enterprise risk functions to support effective oversight, executive reporting, and responsible AI adoption.

Responsibilities

Conduct AI risk assessments and governance reviews of AI systems, tools, applications, and AI-enabled third-party solutions.
Evaluate governance, data, technology, security, responsible AI, model, deployment, and monitoring needs.
Support risk mitigation to address issues and align with AI governance policies.
Evaluate AI testing, monitoring, control effectiveness, and assurance needs.
Support reviews of testing methods, validation approaches, performance monitoring, issue remediation, control testing, audit readiness, and governance effectiveness.
Assess accuracy, explainability, reliability, drift, hallucinations, human oversight, and unintended outcomes.
Collaborate with cross-functional teams to develop, maintain, and update AI governance policies, standards, procedures, risk-based approval processes, and documentation.
Support alignment with frameworks, risk taxonomy, control expectations, intake requirements, and enterprise governance across business, technology, risk, legal, privacy, and compliance.
Develop AI governance metrics, risk insights, and reporting materials for executive, board-level, governance committee, and leadership discussions.
Translate technical AI concepts, risks, assumptions, limitations, and monitoring results into clear business, risk, compliance, and executive-level communications.
Support incident response, issue remediation, audit readiness, and ongoing governance effectiveness for AI governance risks.
Coordinate with stakeholders to ensure AI-related issues, findings, control gaps, and remediation activities are identified, documented, monitored, and addressed through established governance and risk management processes.

Requirements

High School Diploma or GED.
8-10 years of experience in Risk Management, Information Security, Data Governance, Technology Risk, AI Governance, Model Risk, or related governance, risk, and compliance functions.
Working knowledge of AI, machine learning, Generative AI, Large Language Models (LLMs), AI deployment practices, and AI-enabled technology risk.
Bachelor’s Degree in Data Management, Information security, or Risk Management; or related field of study or equivalent, relevant work experience.
10+ years Experience supporting risk assessments, governance reviews, control testing, monitoring, assurance activities, audit readiness, executive reporting, or cross-functional governance processes.
10+ years Experience supporting AI governance, model risk management, data governance, cybersecurity, third-party risk, or other technology risk management programs.
Knowledge of emerging AI capabilities and risk considerations, including Generative AI, Large Language Models, Retrieval-Augmented Generation (RAG), agentic AI, explainability, reliability, bias, data leakage, prompt injection, vendor AI risk, and AI monitoring practices.
Must be work authorized in the United States on a full-time basis without the need for any sponsorship now or in the future.
Cannot offer employment to F-1 (student) visa holders.

Skills

Analytical Thinking
Problem Solving
Business Change Management
Business Communications

Location

Remote
Hybrid

Work Type

Regular
Full-time

Experience Level

8-10 years
10+ years

Education Level

High School Diploma or GED
Bachelor’s Degree in Data Management, Information security, or Risk Management; or related field of study or equivalent, relevant work experience

Salary/Compensations

$125,400.00 - $200,600.00
California: $144,200.00 - $250,800.00
Colorado: $125,400.00 - $220,700.00
New York: $137,900.00 - $250,800.00
Washington: $137,900.00 - $230,700.00
Maryland: $137,900.00 - $220,700.00
Washington DC: $144,200.00 - $230,700.00
Illinois: $125,400.00 - $220,700.00
New Jersey: $144,200.00 - $230,700.00
Vermont: $125,400.00 - $200,600.00
Ohio: $125,400.00 - $200,600.00
Maine: $125,400.00 - $200,600.00
Connecticut: $137,900.00 - $220,700.00
Virginia: $125,400.00 - $200,600.00

Benefits

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 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.
Associates can immediately enroll in Bread Financial’s 401(k) plan.
11 paid holidays.
Flexible Time Off (FTO) program.
80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year (except for Illinois associates).
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 for Illinois associates.
Ability to elect the purchase company stock during offering periods in June and December.
Annual incentive bonus based on individual and company performance.
Competitive pay.
Comprehensive selection of benefit options including 401(k).

About the Company

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

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.