Bread Financial

Risk

• Manage governance and oversight through control reporting, ongoing monitoring, risk and control testing, process mapping, and ensuring Sponsor Bank functions align with policies and regulatory guidance.
• Build and maintain strategic relationships across teams and stakeholders, fostering collaboration and trust.
• Champion compliance with bank policies and regulatory standards.
• Communicate complex information clearly, influencing decisions to ensure transparency and alignment with organizational objectives.
• Develop and maintain oversight monitoring, reporting, and critical documentation for consistency and review by key stakeholders and senior leadership.
• Proactively assess and anticipate emerging risks within the Sponsor Bank program.
• Manage vendor due diligence during partner onboarding for the Sponsor Bank program.

Principal Sponsor Bank Oversight – Governance

Analyst

• Develop and assess new account acquisition strategies to drive growth.
• Analyze past performance to refine strategies and create new credit limit policies.
• Generate detailed reports on key credit risk metrics to guide decision-making.
• Address ad-hoc requests from internal stakeholders promptly and effectively.
• Evaluate, research, and resolve various issues that arise.
• Communicate clearly and build strong relationships with different departments.
• Utilize SQL, SAS, Python, and R to create comprehensive reports.
• Use data visualization tools like APT, Decision Trees, and Microsoft Office to present findings.
• Ensure all credit policies and procedures comply with regulatory requirements and internal standards.
• Regularly review and update policies to reflect changes in regulations and market conditions.
• Conduct risk assessments and audits to identify and mitigate potential compliance issues.

Senior Credit Management Analyst – Home Improvement Lending

Software Engineer

• Design and build quantitative and qualitative models for Treasury and Capital Stress Testing
• Execute complex statistical and non-statistical financial models
• Analyze inputs, processing, and outputs for useful insights
• Maintain comprehensive model documentation and operational processes
• Ensure model Monitoring and Maintenance (M&M) standards
• Engage with FDIC regulators, MRM, and Audit
• Communicate model purpose, design, execution, and adjustments

Lead Model Developer

Implementation Specialist

• Manage brand partner and/or internal cross-functional teams to deliver project outcomes
• Manage the implementation process to onboard new brand partners
• Execute contractual agreements and coordinate logistics for new card program launches
• Manage the relationship with project stakeholders and keep all informed of progress and issues
• Support brand partners and vendors to ensure regulatory compliance
• Organize work across 45-60 stakeholders and resolve conflicts
• Help brand partners plan and write work statements based on their needs

Implementation Manager – Brand Partner Delivery

Financial Planning and Analysis

• Proactively identifying potential financial risks
• Ensuring adequate controls for guarding against financial loss
• Supporting senior leaders in integrating risk management practices into strategic plans
• Consulting with leadership for RCSA program execution
• Reviewing first line forecasts, stress testing, and aligning reporting with strategic objectives
• Analyzing policies and data for recommendations
• Monitoring financial risk metrics
• Conducting Risk Assessments on initiatives

Financial Risk Advisor

Platform Engineer

• Design, develop, and implement quality engineering practices for financial technology solutions
• Develop and maintain test frameworks to ensure consistent and efficient testing across the enterprise
• Contribute to improving automation frameworks to ensure maintainable and scalable test automation for the platform
• Define and enforce testing standards, automation strategies, and best practices across the SDLC
• Analyze and address complex problems, performance bottlenecks, and quality gaps in systems to enhance software efficiency and robustness
• Integrate testing tools and frameworks into the CI/CD pipeline, focusing on automating testing within the build and deployment process
• Design, develop and maintain automated test environments and data solutions to ensure system reliability and predictability
• Collaborate with quality engineering, product, and business teams to support best practices in test-driven development (TDD) and automation
• Mentor and assist junior engineers in adopting automation practices and test methodologies
• Develop and maintain tools for performance, load, and stress testing

Senior Platform Engineer – Cypress/Playwright

QA Automation Engineer

• Collaborate on the design and implementation of quality engineering practices for financial technology solutions
• Maintain test frameworks to ensure efficient testing across the enterprise
• Work on improving automation frameworks for scalable test automation
• Help define and advocate for testing standards, automation strategies, and best practices in the SDLC
• Support efforts to address performance bottlenecks and quality gaps
• Contribute to the development of tools for managing test data across environments to support testing
• Integrate testing tools and frameworks into the CI/CD pipeline
• Develop and maintain automated test environments and data solutions to ensure system reliability
• Collaborate with quality engineering, product, and business teams on best practices in test-driven development (TDD) and automation
• Provide guidance to junior engineers on adopting automation practices
• Develop and maintain tools for performance, load, and stress testing

Platform Automation Engineer – Cypress/Playwright

Customer Support

• Map omnichannel customer experiences and performance data
• Partner with Insights, Product Managers, and Operations
• Understand customer friction and collaborate to enhance customer value
• Manage a backlog of opportunities and lead through a disciplined framework
• Manage team monitoring journeys and top customer complaints

Customer Experience Manager

Director

• Lead the Fraud Strategy function of Account Protection
• Analyze fraud trends and develop mitigation strategies
• Manage and develop a multifaceted team of fraud analysts
• Measure and monitor fraud performance to quantify risk and opportunity
• Design creative solutions to fraud risk challenges

Director, Fraud Strategy

People Operations

• Gaining an understanding of the associate’s related area of the enterprise
• Completion of role-specific training
• Participate and demonstrate new knowledge through individual coaching and training
• Activity-based Training Development curriculum
• Demonstrate outstanding verbal and written communication skills
• Build and maintain effective internal and external business partnerships
• Learn proper processes and procedures relevant to an associate’s respective team
• Actively seek out opportunities to expand knowledge of the broader business
• Follow established guidelines for quality and productivity

Intern, People & Culture

Controller

• Gaining an understanding of the associate’s related area of the enterprise
• Participate in Activity-based Training Development programs
• Demonstrate outstanding verbal and written communication skills
• Build and maintain effective internal and external business partnerships
• Learn proper process and procedures relevant to an associate’s respective team
• Actively seek out opportunities to expand knowledge of the broader business
• Follow established guidelines for quality and productivity

Intern – Treasury Controllership

• Gaining an understanding of the associate’s related area of the enterprise and completion of role-specific training provided by their respective team
• Participate and demonstrate new knowledge gained through individual coaching and training conversations
• Build and maintain effective internal and external business partnerships
• Learn proper process and procedures relevant to an associate’s respective team
• Actively seek out opportunities to expand knowledge of the broader business
• Follow established guidelines for quality and productivity

Intern – Core Engineering

• Collaborate with team members and cross-functional partners to ensure compliance with tax regulations
• Build and maintain effective business partnerships
• Participate in professional development curriculum
• Contribute to executive round tables and attend social events

Federal Tax Intern

Compliance

• Collaborate with teams and departments to understand internal controls
• Participate in training and development programs
• Communicate effectively with internal and external partners
• Build business partnerships and resolve concerns
• Learn processes relevant to respective teams
• Seek opportunities to expand knowledge across the organization
• Support internal and external audits