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About the Role

The Senior Retirement and Benefits Analyst will provide comprehensive analysis and oversight of employee retirement and voluntary benefit programs, evaluating plan performance, compliance, utilization, and cost-effectiveness. This role will develop and present detailed reporting on savings patterns, retirement concerns, and benefit trends and utilization. The analyst will translate data into insights and recommendations that inform our overall financial well-being strategy and plan design.

Responsibilities

Analyze and evaluate employee benefits programs against financial readiness detail to ensure effectiveness, compliance, and cost-effectiveness.
Develop recommendations for adjusting policies to enhance plan designs while adhering to regulations.
Research market trends for new products and collaborate with vendors to negotiate terms and implement changes to benefit programs.
Prepare and present detailed reports on benefit effectiveness metrics to stakeholders, including investment committee members.
Assist in the creation and implementation of new benefits programs to meet organizational needs and align with pillars.
Facilitate the annual DC plan audit along with initial quality review of the annual 11-K filing and annual 5500 filing(s).
Provide support for benefits-related inquiries by delivering accurate financial information and guidance to facilitate effective use of programs across organizational pay ranges.

Requirements

High School Diploma or GED.
5-8 years of experience in benefits analysis and management.
5-8 years of senior-level experience managing complex benefits programs.
Bachelor’s Degree or in Human Resources or Organizational Management.
5-8 years of experience giving presentations and exemplary public speaking skills.
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

Microsoft Excel
Microsoft Excel Pivot Table
Microsoft Excel Data Analysis
Microsoft Word Templates
Microsoft PowerPoint
Adobe
Accounting Finance
Detail-Oriented
Deadline Adherence
Online Presentations
Meeting Presentations

Location

Remote or Hybrid

Work Type

Regular
Full-time

Experience Level

Senior-level

Education Level

High School Diploma or GED
Bachelor’s Degree or in Human Resources or Organizational Management

Salary/Compensations

$90,400.00 - $144,700.00
California: $104,000.00 - $180,900.00
Colorado: $90,400.00 - $159,200.00
New York: $99,400.00 - $180,900.00
Washington: $99,400.00 - $166,400.00
Maryland: $99,400.00 - $159,200.00
Washington DC: $104,000.00 - $166,400.00
Illinois: $90,400.00 - $159,200.00
New Jersey: $104,000.00 - $166,400.00
Vermont: $90,400.00 - $144,700.00
Ohio: $90,400.00 - $144,700.00
Maine: $90,400.00 - $144,700.00
Connecticut: $99,400.00 - $159,200.00
Virginia: $90,400.00 - $144,700.00

Benefits

Medical
Prescription drug
Dental
Vision
Other voluntary benefits (including basic and optional life insurance, supplemental medical plans, and short and long-term disability)
Six weeks of 100% paid parental leave
401(k) plan
11 paid holidays
Flexible Time Off (FTO) program
80 hours of Paid Sick and Safe Time (“PSST”)
40 hours of Illinois PSST
40 hours of Illinois Paid Leave
Purchase company stock
Annual incentive bonus

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.