Role Description We are seeking an experienced AI Product Owner to lead the execution and delivery of AI-driven features, use cases, and platform capabilities across a suite of SaaS products. This role requires close collaboration with engineering, data science, and cross-functional product teams to successfully integrate AI and automation into mobile experiences and operational workflows. Key Responsibilities - Drive end-to-end execution and delivery of AI-powered features, use cases, and platform enhancements across mobile SaaS products - Translate business objectives and product requirements into clear technical specifications, user stories, and sprint deliverables for engineering and data science teams - Collaborate with cross-functional teams to embed AI and automation into workflows such as recruiting, onboarding, performance management, learning, analytics, and public safety - Own and prioritize the product backlog for AI initiatives, balancing quick wins with long-term scalability and platform evolution - Define and maintain execution roadmaps, timelines, and milestones for model development, integration, and releases across multiple product teams - Track and optimize delivery KPIs including velocity, cycle time, release quality, and adoption metrics - Support post-deployment validation to ensure model accuracy, system reliability, and strong user experience Qualifications - Proven experience as a Product Owner or Product Manager in SaaS or mobile products - Hands-on experience delivering AI, ML, or data-driven product features - Strong understanding of Agile/Scrum methodologies and backlog management - Ability to work closely with engineering and data science teams - Excellent communication, stakeholder management, and prioritization skills - Experience working with distributed or remote teams is a plus Benefits - Work on cutting-edge AI-driven SaaS products - Fully remote role within Canada - Opportunity to influence AI strategy and product execution at scale - Collaborative, fast-paced, and innovation-driven environment

Lead Artificial Intelligence Risk Advisor Locations: - Columbus, Ohio - New York, New York - Frisco, Texas Work Arrangement: Remote/Hybrid (Employees living within 60 miles of a Bread Financial office are required to work in the office 3–4 days per month.) 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 Lead Artificial Intelligence (AI) Risk Advisor is a senior SLOD practitioner within Risk Management responsible for leading cross-functional AI governance and risk initiatives. This role will facilitate complex risk reviews, mentor junior team members, and drive improvements in the AI control framework, including monitoring and reporting capabilities supporting audit and regulatory readiness. Essential Job Functions - Oversee departmental projects and initiatives focused on AI governance maturity, control enhancement, automation, and process optimization; manage timelines and deliverables. - (25%) - Facilitate cross-functional risk credible challenge reviews, lead assessment workshops, challenge sessions, and risk-acceptance discussions aligned to risk appetite. - (20%) - Collaborate on technology initiatives by partnering with Technology, Cybersecurity, Data Governance, and Model Risk to ensure that first line embeds AI controls early in the lifecycle. - (20%) - Design KRIs and monitoring measures (inventory completeness, drift detection, HITL effectiveness, bias testing coverage). - (15%) - Author executive summaries and committee-ready narratives translating technical analyses into business impact. - (10%) - Mentor junior associates and provide coaching, shadowing, and review feedback to strengthen team capability in AI risk practices. - (5%) - Champion continuous improvement and identify innovation opportunities and advocate automation where feasible. - (5%) Minimum Qualifications - High School Diploma or GED. - 8+ years of experience in risk management, audit, governance, compliance oversight, control oversight, or other related disciplines at a financial service firm (or other highly regulated industry). Preferred Qualifications - IAPP AI Governance Professional Certificate. - ISO/IEC 42001 Foundation/Lead Implementer. - CertNexus CAIP (Certified Artificial Intelligence Practitioner). - AAIR™ Certification, ISACA Advanced in AI Risk™. - AAISM™ Certification, ISACA AI Security Management. - AAIA Certification, ISACA Advanced in AI Audit. - Experience in risk management, audit, governance, compliance oversight, control oversight, or other related disciplines. Skills - Project Management Governance - Regulatory Risk Assessment - Stakeholder Coordination - Business Automation - Communication skills Reports To: Director 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 - Typing/Writing - Focus and complete tasks in situations that have a speed or productivity metric - 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): $120,500.00 - $218,300.00 Full Salary Range for position: California: $138,600.00 - $272,900.00 Colorado: $120,500.00 - $229,200.00 New York: $132,500.00 - $272,900.00 Washington: $126,500.00 - $251,100.00 Maryland: $126,500.00 - $240,200.00 Washington DC: $138,600.00 - $251,100.00 Illinois: $120,500.00 - $240,200.00 New Jersey: $138,600.00 - $251,100.00 Vermont: $120,500.00 - $218,300.00 Ohio: $120,500.00 - $218,300.00 Maine: $120,500.00 - $218,300.00 Connecticut: $132,500.00 - $240,200.00 Virginia: $120,500.00 - $218,300.00 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. You must be work authorized in the United States on a full time basis without the need for any sponsorship now or in the future from any employer or organization. The Company cannot offer employment to F-1 (student) visa holders. 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 at TaOps@breadfinancial.com. Job Family: Enterprise Risk Job Type: Regular

• Design and execute growth marketing strategies aligned to revenue and pipeline targets • Own full-funnel experimentation across paid media, lifecycle email, landing pages, and conversion flows • Optimize acquisition and conversion performance across channels using data and testing frameworks • Partner with Product Marketing to position AI-driven value propositions clearly and effectively • Collaborate with Sales and RevOps to improve funnel velocity and conversion rates • Track and report on growth metrics including CAC, CPL, MQL, SQL, pipeline, and revenue impact

Requisition Number: 2374454 Optum Tech is a global leader in health care innovation. Our teams develop cutting-edge solutions that help people live healthier lives and help make the health system work better for everyone. From advanced data analytics and AI to cybersecurity, we use innovative approaches to solve some of health care's most complex challenges. Your contributions here have the potential to change lives. Ready to build the next breakthrough? Join us to start Caring. Connecting. Growing together. Optum is seeking a visionary Digital AI architect for our Contract Center Transformation. The successful candidate will play a critical role in transforming our voice and digital experiences to conversational experiences, through multiple engagement channels (including web, app, chat, voice, and search), with a particular emphasis on transforming how consumers engage in the US health care system. In this role you will help make UnitedHealth Group's consumer obsessed digital vision come to life by using AI to deliver our next generation Conversational Experiences. Define and lead the strategic vision, architecture, and implementation of AI contact solutions across our consumer-facing digital experiences. Partner closely with business and product teams to identify and prioritize strategic opportunities for leveraging AI within web, mobile, chat messaging, voice messaging, and search channels. Oversee the development of scalable, secure, and innovative AI solutions designed to enhance consumer engagement and deliver personalized, intuitive self-service experiences that transform our current digital experiences into conversational experiences. You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. Primary Responsibilities: - Own the end-to-end technical architecture for conversational chat and messaging systems across web, mobile, and other digital channels - Design and implement channel-agnostic chat architectures that separate channel delivery from conversation intelligence, orchestration, and backend integrations - Define and implement multi-bot / multi-agent orchestration patterns, including routing between deterministic flows, AI agents, domain bots, and human agents - Design robust approaches for conversation state, memory, context propagation, and session continuity across channels, devices, and long-running customer journeys - Define and implement guardrails for chat systems, including policy enforcement, tool restrictions, grounding/validation patterns, escalation rules, and safe fallback behavior - Establish telemetry, observability, and evaluation patterns for conversational systems, including latency, fallback rates, drop-off points, repeated questions, low-confidence signals, transcript analysis, and quality feedback loops - Design secure integration patterns between chat systems and enterprise services such as identity, CRM, case management, customer profile, knowledge, and backend APIs - Define patterns for bot-to-agent handoff, agent context transfer, async messaging behavior, and unified customer journey continuity - Lead architecture reviews, publish reusable patterns and standards, mentor engineers, and influence cross-functional stakeholders across Product, Engineering, Security, and Operations - Evaluate emerging conversational AI capabilities, frameworks, and integration patterns to improve maintainability, quality, scalability, and customer outcomes You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - Bachelor's degree in Computer Science, Engineering, or equivalent practical experience - 4+ years of experience in solution architecture and/or software engineering for customer-facing chat, messaging, conversational AI, or digital customer experience platforms - 2+ years of hands-on experience designing and implementing conversational chat systems in production, including orchestration, session handling, routing, and human handoff - 2+ years of experience implementing conversational AI for chat, including multi-turn conversation handling, fulfillment, escalation, and fallback design - 2+ years of experience with one or more of the following: memory/context management, multi-agent or multi-bot orchestration, grounding/guardrails, evaluation frameworks, or telemetry/quality feedback loops for conversational systems - 1+ years of experience building or integrating customer chat experiences into web/mobile applications using APIs/SDKs, secure authentication, and session/context management patterns - Solid experience with modern integration patterns including REST, event-driven systems, async messaging, data contracts, and error-handling patterns - Experience with AI in engineering workflows, including standards, guardrails, reusable prompts/patterns, and evaluation/quality checks - Demonstrated ability to produce architecture artifacts, lead technical workshops, mentor engineers, and communicate clearly with technical and non-technical stakeholders - Demonstrated operational mindset, including monitoring/alerting, incident support, root cause analysis, and change safety for customer-facing conversational platforms Preferred Qualifications: - Experience designing channel-agnostic conversational systems that support consistent behavior across chat, messaging, voice, and human-assisted experiences - Experience with LLM-based orchestration, RAG/grounding strategies, tool-calling patterns, or policy-enforced agent architectures - Experience with asynchronous messaging patterns, resume/rejoin behavior, and long-running session continuity - Experience with Infrastructure-as-Code and CI/CD for conversational platform delivery - Experience partnering with UX/content/conversation design teams to improve usability, tone, containment, and resolution outcomes - Experience operating in regulated or high-compliance environments with solid privacy, retention, and audit requirements *All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $112,700 - $193,200 annually based on full-time employment. We comply with all minimum wage laws as applicable. Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.