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Job Summary

The Lead, GRC will support the design, execution, and maturity of Bread Financial's Enterprise Risk Management framework. This role will advance enterprise risk governance, risk and control framework alignment, RCSA and control data quality, risk aggregation, reporting, and decision-ready insights for senior leaders and governance committees. Partnering with business, risk, governance, and technology stakeholders, the Lead GRC will help strengthen risk taxonomy, control integration, issue visibility, and enterprise-wide risk transparency. The role will also support GRC platform enhancements, backlog prioritization, optimization, and AI-enabled capabilities that improve risk assessment workflows, monitoring, reporting, and regulatory alignment, including OCC expectations. Through these efforts, the Lead GRC will mature ERM practices, improve governance discipline, and enable a more integrated, data-driven risk management ecosystem

Essential Job Functions

• ERM Framework, Governance & Program Maturity: Advance ERM framework components across GRC platforms, risk and control framework, risk assessments, issue themes and governance reporting. Improve risk data quality, consistency, transparency, and traceability to support oversight and regulatory expectations. - (35%)
• AI-Enabled ERM Modernization & Risk Assessment Automation: Lead Gen AI-enabled and agentic capabilities that modernize ERM and GRC processes, including risk assessments, control mapping, monitoring, issue identification, reporting insights, and workflow automation aligned to governance and ERM priorities. - (35%)
• Risk Analytics, Reporting & GRC Platform Optimization: Enhance dashboards, analytics, and reporting to improve risk visibility, aggregation, issue themes, trends, and decision-making. Partner with technology teams to improve GRC usability, workflow design, data integrity, and scalability. - (15%)
• Stakeholder Engagement, Risk Governance & Technology Partnership: Partner with business, risk, governance, and technology stakeholders to strengthen ERM execution, risk culture, and adoption of standard practices. Communicate risk insights, priorities, and AI-enabled capabilities. - (15%)

Minimum Qualifications

• Bachelor’s Degree in Finance, Accounting, Risk Management, Information Technology, or related field of study or equivalent, relevant work experience
• 8-10 years of experience in Enterprise Risk Management, IT Operations, Internal Audit, Compliance, or a related field.

Preferred Qualifications

• 10-13 years work experience

Skills

• Risk Assessments
• Risk IT Framework
• Regulatory Risk Assessment
• Risk Control Self Assessment
• Control Procedures
• Internal Control Testing
• Dashboard Reporting
• Executive Presentations

Reports To : Senior Manager and above

Direct Reports : 0

Work Environment

• Normal office environment, hybrid.

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
• 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.

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 .

• All job offers are contingent upon successful completion of credit and background checks.
• Bread Financial is an Equal Opportunity Employer.

Job Family:

Enterprise Risk

Job Type:

Regular