Lead ERM Specialist

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 - ERM Specialist will support second-line oversight of the BSA/AML, OFAC, and Fraud compliance programs. This role will partner across the first and second lines to provide effective challenge, perform monitoring and testing, support risk assessments, and help ensure compliance with regulatory expectations for first-line activities. The Lead will also maintain a strong control environment through collaboration, analysis, reporting, and execution of oversight activities. Essential Job Functions Support oversight of BSA/AML, OFAC and Fraud risk management programs, including customer and enhanced due diligence (CDD/EDD), customer identification (CIP), transaction monitoring, sanctions compliance, FACT Act and fraud risk. - (25%) Perform testing, monitoring, and thematic reviews to assess the effectiveness of first line processes and controls. - (25%) Assist in enterprise and targeted risk assessments across financial crimes domains, identifying inherent and residual risks. - (20%) Support preparation of reporting and materials for governance committees and senior leadership. - (15%) Participate in projects and initiatives to strengthen compliance frameworks and processes. - (15%) Minimum Qualifications High School Diploma or GED. 8+ years of experience in consumer credit, banking compliance and/or a related field. Preferred Qualifications Bachelor’s Degree in Business, Risk, Compliance or Legal. CAMS (ACAMS) CFE (ACFE) CRCM (ABA) 10+ years of experience in consumer credit, banking compliance and/or a related field. Experience with MS Office Skills Communication skills Collaboration skills Adobe Writing skills System and Organization Control Standards 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. 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): $112,400.00 - $179,900.00 Full Salary Range for position: California: $129,300.00 - $224,900.00 Colorado: $112,400.00 - $197,900.00 New York: $123,600.00 - $224,900.00 Washington: $123,600.00 - $206,900.00 Maryland: $123,600.00 - $197,900.00 Washington DC: $129,300.00 - $206,900.00 Illinois: $112,400.00 - $197,900.00 New Jersey: $129,300.00 - $206,900.00 Vermont: $112,400.00 - $179,900.00 Ohio: $112,400.00 - $179,900.00 Maine: $112,400.00 - $179,900.00 Connecticut: $123,600.00 - $197,900.00 Virginia: $112,400.00 - $179,900.00 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. 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 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 . Job Family: Enterprise Risk Job Type: Regular