Bread Financial

Title: Global Audit Staff II Location: - Columbus, Ohio, United States of America - Draper, Utah, United States of America - Frisco, Texas, United States of America - USA Job Description: Accounting + Finance Job Id R1012572 Job Type Full time Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Staff II helps Global Audit achieve its mission by coordinating, planning, and conducting fieldwork of financial, operational and compliance audits. The audits assess risk, evaluate internal controls, safeguard assets, and analyze financial reporting and operating procedures. Essential Job Functions - Assist assessing risk using operations and data analysis to identify areas for internal audits or projects to improve operations or financial reporting. Under supervision, plan and conduct financial, operational, or regulatory audits. Evaluate observations, make recommendations, track audit status, draft observations, and prepare work papers. Monitor implementation of prior audit recommendation. - (70%) - Develop an understanding of risks and controls with execution against audit plans. - (15%) - Manage time and projects effectively. Document audit results in a clear and succinct manner and maintain professional communication with various stakeholders. - (15%) Minimum Qualifications - Bachelor’s Degree in Accounting, Auditing, or Finance. - 2+ years experience in Accounting, Audit, or Finance. Preferred Qualifications - Certified Internal Auditor (CIA) - Institute of Internal Auditors - Certified Public Accountant (CPA) - American Institute of Certified Public Accountants - 3+ years of experience with external or internal audit, preferably with large, public registrant or public accounting firm. Bank auditing experience is a plus. Skills - Bank Auditing - Data Analytics - Internal Auditing - External Audit - Project Management Reports To: Manager and above Direct Reports: 0 Work Environment - Normal 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. Travel - Ability to travel up to 5% annually 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/Hearing - Stationary Position/Seated - Typing/Writing Other Duties This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time. Salary Range (unless otherwise noted below): $61,900.00 - $112,100.00 Full Salary Range for position: California: $71,200.00 - $140,200.00 Colorado: $61,900.00 - $117,800.00 New York: $68,100.00 - $140,200.00 Washington: $65,000.00 - $129,000.00 Maryland: $65,000.00 - $123,400.00 Washington DC: $71,200.00 - $129,000.00 Illinois: $61,900.00 - $123,400.00 New Jersey: $71,200.00 - $129,000.00 Vermont: $61,900.00 - $112,100.00 Ohio: $61,900.00 - $112,100.00 Maine: $61,900.00 - $112,100.00 The 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. Bread Financial offers 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 (regular full-time associates scheduled to work 30 hours per week or more) 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. Hired associates can immediately enroll in Bread Financial’s 401(k) plan. All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 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 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. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO. Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance. About Bread Financial® 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). - 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 Job Family: Internal Audit Job Type: Regular

• Assist customers in payment resolution • Contact customers professionally regarding payment options • Maintain accurate records and adhere to regulations • Develop manageable repayment plans with customers • Collaborate with team to streamline processes

Role Description The Bread Collections Associate will assist customers who are behind on payments, helping them to become current. Contact customers professionally and respectfully to discuss payment options and create manageable repayment plans. Strong communication and negotiation skills are essential to working with customers to find solutions that benefit everyone. Additionally, you'll play a vital role in maintaining accurate records and adhering to all relevant regulations. - Professionally contact customers via phone to arrange account updates and resolve outstanding balances. Adhere to internal policies and procedures to ensure a positive customer experience and compliance with FDCPA and state regulations. - (40%) - Demonstrate exceptional empathy and communication skills to build rapport and navigate challenging customer interactions. Collaborate with customers utilizing strong communication and analytical skills to develop realistic and manageable solutions for bringing accounts current. - (30%) - Investigate, research, and track consumer information using skip tracing tools, adhering to data privacy regulations. Maintain thorough and accurate documentation of all customer interactions, account activity, and collection efforts. Ensure 100% data integrity in CRM system documentation for all customer interactions. - (20%) - Proactively identify opportunities to streamline collection processes and enhance team efficiency. Communicate improvement ideas and collaborate with the team to implement positive changes. - (10%) Qualifications - High School Diploma or GED - 1+ years experience in collections, call center, or sales Requirements - If the role is listed as “Bilingual,” must be able to pass a bilingual assessment (English/Spanish). - 2+ years experience in collections, call center, or sales Benefits - Medical, prescription drug, dental, vision, and other voluntary benefits - Six weeks of 100% paid parental leave for eligible parents - 401(k) plan enrollment available immediately - 11 paid holidays - Bi-annual grant of Paid Time Off (PTO) - Payout of unused PTO, up to 40 hours - 72 hours of Paid Sick Leave Plus (PSL+) per calendar year - 80 hours of Paid Sick and Safe Time (PSST) for California associates - Eligibility for monthly incentives - 10%/hr premium for hours worked between 5pm-6am and all weekend hours

Execute statistical models and analyze outputs to provide actionable insights. Prepare presentations for stakeholders, summarizing results and recommending solutions while ensuring accurate model processes and continuous improvement of execution...

Title: Marketing Strategist - Acquisition or ECM Location:Columbus, Ohio, United States of America - Chadds Ford, Pennsylvania, United States of America - Plano, Texas, United States of America Job Description: Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Marketing Strategist assists in delivering best in class, branded marketing and loyalty strategies across multiple portfolios and channels. Leveraging data-driven insights and vertical expertise, the Strategist assists the Marketing Manager in development of marketing strategies for assigned market segments, brand partners or verticals and independently coordinates execution of those strategies. As a team, the Strategist and Manager develops acquisition or existing cardholder marketing activities that drive strong, sustainable, mutually beneficial growth in New Accounts, Accounts Receivable, Credit Sales and Profit. The Strategist works closely with their leader, peers, multiple internal groups and external agencies/vendors to develop and scale marketing programs. Essential Job Functions - The Strategist oversees the management of program strategy brief execution, participates in stakeholder meetings and coordinates campaign analysis. Maintains the team's marketing calendar and results tracker as needed. Strong task prioritization and coordination skills needed. - (35%) - Leads the execution of campaign strategies, partnering with cross-disciplinary teams. Ensures campaigns are timely and flawless, adhering to legal and regulatory standards. Reviews marketing collateral manages program timelines, and coordinates across matrix organization. Prioritizes tasks and manages multiple campaigns simultaneously. - (20%) - Provides cost and revenue information to ensure alignment on marketing investment decisions. Works to ensure campaigns fulfill strategic objectives and drive profitable use of marketing funds. - (15%) - Assists with development of campaign performance reporting and continuous monitoring. Compiles and contribute to marketing campaign hindsight analyses and insights to prepare for results sharing across internal and external stakeholders. - (10%) - Key contributor in developing monthly, quarterly, and annual marketing plans for specific verticals/products. Identifies optimization opportunities for programs to maximize performance and achieve KPIs. Supports Manager in addressing campaign needs and strategic initiatives. Identifies new program ideas, manages marketing programs, coordinates meetings and reports on results. - (10%) - Acts as first line of defense, overseeing adherence to bank compliance standards related to capabilities and omni-channel marketing materials. Assist with teams' implementation of necessary legal, compliance and other required regulatory practices and/or documentation to mitigate execution errors and mitigate regulatory concerns. - (10%) Minimum Qualifications - High School Diploma or GED. - 5+ years of experience in Marketing, Finance, Project Management, Advertising, Communication, Business Management, or related fields. Preferred Qualifications - Bachelor's Degree in Marketing, Finance, or related field of study or equivalent, relevant work experience - Experience in building marketing plans and strategies for credit cards/payments - Experience in financial services marketing - Proven track record of managing successful marketing campaigns, including strong project management skills and the ability to coordinate, prioritize, communicate and drive execution across cross functional, matrixed teams - Proficient using Microsoft Excel, including formulas, filtering, pivot tables, and lookup functions to analyze large datasets and support marketing strategy and decision making Skills - Marketing Campaign Management - Microsoft Excel - Microsoft PowerPoint - Multi-Channel Marketing Campaigns - Prioritization - Problem Solving - Campaign Testing - Marketing Campaign Development - Marketing Campaign Reporting - Marketing Campaign Strategy Reports To: Manager and above Direct Reports: 0 Work Environment - Normal 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/Hearing - Communicate/Talking - Stationary Position/Seated - Typing/Writing - Maintain focus in high pressure or fast-paced work environment Other Duties This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time. Salary Range (unless otherwise noted below): $79,500.00 - $144,100.00 Full Salary Range for position: California: $91,500.00 - $180,100.00 Colorado: $79,500.00 - $151,300.00 New York: $87,500.00 - $180,100.00 Washington: $83,500.00 - $165,700.00 Maryland: $83,500.00 - $158,500.00 Washington DC: $91,500.00 - $165,700.00 Illinois: $79,500.00 - $158,500.00 New Jersey: $91,500.00 - $165,700.00 Vermont: $79,500.00 - $144,100.00 Ohio: $79,500.00 - $144,100.00 The 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. Bread Financial offers 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 (regular full-time associates scheduled to work 30 hours per week or more) 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. Hired associates can immediately enroll in Bread Financial's 401(k) plan. All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 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 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. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO. Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance. Click here for more Benefits information. About Bread Financial 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). - 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. Job Family: Marketing Job Type: Regular

Title: Graphic Designer Location: Columbus, OH, Chadds Ford, PA, Plano, TX, New York, NY, Wilmington, DE Full time job requisition id R1012410 Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary As part of our award-winning creative team, the Graphic Designer contributes to the success of marketing initiatives for our internal partners, external audiences, and new business opportunities. They design and develop branded sales and communication materials. They are a brand steward with a focus on design execution, responsible for layouts and production of design solutions (digital/print) that achieve the strategic goals of the brand. This includes being responsible for assigned revisions, mock-ups, and presentation materials. Works closely with Senior Designers, Design Leads, Design Managers and our Marketing partners to collaborate and create communication pieces that meet the standards of the department and our business needs. Essential Job Functions - Creates innovative design solutions — understanding brand identity, design trends, typography, and advertising design. Executes both print and digital design requests on small and large-scale projects individually and as a team. Develops creative design solutions in response to business supporting Sr. designers and design Leads. - (40%) - Responsible for partnering with internal clients, understanding intent behind the request, and ensures the creative brief is followed. This individual has strong problem solving skills, approaching the brief through that lens. Works on individual requests as well as larger group initiatives. - (30%) - Follows project processes and utilizes tools on behalf of the creative agency. Understands the importance of timeline management, budget, project tracking and multitasking multiple requests, while delivering innovative design solutions. Works closely with all agency peers on all aspects of the project; from kickoff to final art. - (30%) Minimum Qualifications - High School Diploma or GED - 2+ years professional design experience (Freelance/Corporate/Agency) - A portfolio showcasing relevant work is required for consideration. Preferred Qualifications - Bachelor’s Degree in Fine Arts or other accredited design certification in Graphic Design, Web Design, UI/UX, Video/Motion design. - 3+ years design experience in either a corporate or an agency setting - Design experience across various channels. - Experience with Adobe Creative Suite or Adobe Creative Cloud. Skills - Ideation - Page Layouts - Microsoft Office - Pitch Presentations - Marketing Project Management - Adobe Creative Cloud - Graphic Design - Analytical Decision Making Reports To: Manager and above Direct Reports: 0 Work Environment - Normal 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/Hearing - Communicate/Talking - Stationary Position/Seated - Typing/Writing - Maintain focus in high pressure or fast-paced work environment Other Duties This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time. Salary Range (unless otherwise noted below): $55,200.00 - $100,000.00 Full Salary Range for position: California: $63,500.00 - $125,000.00 Colorado: $55,200.00 - $105,000.00 New York: $60,700.00 - $125,000.00 Washington: $58,000.00 - $115,000.00 Maryland: $58,000.00 - $110,000.00 Washington DC: $63,500.00 - $115,000.00 Illinois: $55,200.00 - $110,000.00 New Jersey: $63,500.00 - $115,000.00 Vermont: $55,200.00 - $100,000.00 Ohio: $55,200.00 - $100,000.00 The 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. Bread Financial offers 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 (regular full-time associates scheduled to work 30 hours per week or more) 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. Hired associates can immediately enroll in Bread Financial’s 401(k) plan. All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 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 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. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO. Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance. About Bread Financial® 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. Job Family: Marketing Job Type: Regular

Title: Compliance Consultant Location: P1 - Easton Campus Building A Job Description: Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Consultant delivers compliant, risk-based solutions that help the organization achieve its goals. This position effectively and independently influences internal business partners regarding the programs supported and drives and executes against compliance strategies and roadmaps in accordance with established timeframes. The Consultant advises and engages in complex compliance matters, escalates issues and risks to senior leadership, and presents to larger audience as appropriate. Essential Job Functions - Drives the timely resolution of issues. Analyzes complaint themes and actions appropriately. Advises business partners on the mitigation of risks through implementation of policies, procedures, processes, and controls. - (30%) - Independently champion compliance programs and areas of focus. Is an internal stakeholder in advising business partners on risk assessments, projects, and regulatory change management. - (30%) - Has a consistent enterprise-wide and risk-based thinking approach. Champions and educates business partners on the Risk and Control Self-Assessment program (RCSA). - (25%) - Understands the short- and long-term goals of the organization. Applies strategic thinking to develop appropriate solutions to mitigate regulatory risks. - (15%) Minimum Qualifications - High School Diploma or GED. - 8+ years experience in Consumer credit, banking compliance, and/or a related field. Preferred Qualifications - Bachelor’s Degree in Compliance, Risk, or Business. - Certified Information Privacy Professional (CIPP) - Certified Anti-Money Laundering Specialist (CAMS - Certified Regulatory Compliance Manager (CRCM) - 5+ years with open End Consumer Credit Card Lending and Banking Compliance (Fair Lending, Regulation B/ECOA, TILA/Regulation Z, FCRA, and UDAAP), and leading people indirectly. Skills - Solution-Oriented - Regulatory Compliance - Researching - Decision Making - Change Management - Risk Management - Risk Assessments - Issue Identification Reports To: Senior Manager and above Direct Reports: 0 Work Environment - Normal 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. Travel - Ability to travel up to 5% annually 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/Hearing - Communicate/Talking - Stationary Position/Seated - Typing/Writing - Maintain focus in high pressure or fast-paced work environment Other Duties This job description is illustrative of the types of duties typically performed by this job. It is not intended to be an exhaustive listing of each and every essential function of the job. Because job content may change from time to time, the Company reserves the right to add and/or delete essential functions from this job at any time. Salary Range (unless otherwise noted below): $97,900.00 - $177,400.00 Full Salary Range for position: California: $112,600.00 - $221,800.00 Colorado: $97,900.00 - $186,300.00 New York: $107,700.00 - $221,800.00 Washington: $102,800.00 - $204,000.00 Maryland: $102,800.00 - $195,200.00 Washington DC: $112,600.00 - $204,000.00 Illinois: $97,900.00 - $195,200.00 New Jersey: $112,600.00 - $204,000.00 Vermont: $97,900.00 - $177,400.00 Ohio: $97,900.00 - $177,400.00 The 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. Bread Financial offers 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 (regular full-time associates scheduled to work 30 hours per week or more) 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. Hired associates can immediately enroll in Bread Financial’s 401(k) plan. All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 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 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. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO. Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance. About Bread Financial® 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, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. 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). - 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. Job Family: Enterprise Risk Job Type: Regular