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About the Role

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.

Responsibilities

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.
Plan and scope compliance transactional-related tests and control environment tests by assessing the applicable laws and risks.
Utilizing knowledge of the business area or process to develop an appropriate scope for review.

Requirements

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

Researching
Issue Identification
Change Management
Risk Management
Risk Assessments
Solution-Oriented
Decision Making
Communication
Hearing
Talking
Typing
Writing
Maintain focus in high pressure or fast-paced work environment

Location

Remote
Hybrid

Work Type

Regular
Full time

Experience Level

Senior
5-8 years experience
6+ years experience

Education Level

High School Diploma or GED
Bachelor’s Degree in Business or equivalent education

Salary/Compensations

$81,100.00 - $129,800.00
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

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 (Illinois associates receive 40 hours of Illinois PSST and 40 hours of Illinois Paid Leave).
Purchase company stock during offering periods in June and December.
Annual incentive bonus based on individual and company performance.
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.
Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).

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.