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Job Summary

The Sponsor Bank Oversight and Governance Lead will oversee the end-to-end Sponsor Bank program and ensure processes are executed in alignment with our policies, standards, and procedures. As the first line of defense, this role collaborates with Enterprise Risk Management and Relationship Management to develop and maintain a comprehensive governance program, focusing on control reporting, risks and controls, and ongoing monitoring of Sponsor bank Functions.

 

Essential Job Functions

• Provide 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. - (40%)
• Build and maintain key relationships and ensure adherence to bank policy and regulatory expectations, presenting information clearly to internal and external partners. - (20%)
• Develop and maintain oversight monitoring, reporting, and critical documentation for consistency and review by key stakeholders and senior leadership - (20%)
• Identify key risks to the Sponsor Bank program and develop actions plans to address and mitigate the risks. - (20%)

Minimum Qualifications

• High School Diploma or GED
• 8+ years of experience in Governance, Compliance, Consumer Lending, or Internal Audit.

Preferred Qualifications

• Bachelor’s Degree Finance, Economics, Business Administration, Data & Analytics, Risk Management, Accounting, or similar.
• CAMS (Certified Anti-Money Laundering Specialist)
• CRCM (Certified Regulatory Compliance Manager)
• APRP (Accredited Payments Risk Professional)
• 10+ years of experience in Governance, Compliance, Consumer Lending, or Internal Audit.

Skills

• Strategic Planning
• Business Relationships
• Bank Regulations
• Consumer Regulations
• Data Reporting
• Problem Solving
• Consumer Regulations
• Regulatory Management

Reports To: VP 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
• Move/Traverse
• Reaching
• Standing
• 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):

$108,300.00 - $196,300.00

Full Salary Range for position:

California: $124,600.00 - $245,400.00

Colorado: $108,300.00 - $206,100.00

New York: $119,200.00 - $245,400.00

Washington: $113,700.00 - $225,700.00

Maryland: $113,700.00 - $215,900.00

Washington DC: $124,600.00 - $225,700.00

Illinois: $108,300.00 - $215,900.00

New Jersey: $124,600.00 - $225,700.00

Vermont: $108,300.00 - $196,300.00

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.

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