Lead Compliance Specialist

Bread Financial

. Advise on compliant, risk-based solutions that help the organization achieve its goals .

Posted 10/5/2026full-timeUnited StatesSenior💰 $112,400 - $179,900 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in Compliance, Risk Management, and Regulatory Agility, with a strong focus on Consumer Credit and Banking Compliance. Capable of advising on risk assessments and developing solutions to mitigate regulatory risks while effectively communicating complex compliance matters to stakeholders.

Highest-signal resume keywords

Compliance ExpertiseRisk ManagementConsumer Credit Card LendingRegulatory ComplianceAnalytical Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Risk AssessmentsRegulatory Change ManagementPolicy DevelopmentCompliance ProgramsFair LendingRegulation B/ECOATILA/Regulation ZFCRAUDAAPPrivacy by Design Integration

Soft Skills

Analytical SkillsSolution-OrientedAdvocacy SkillsStrategic Influence

Tools & Technologies

Risk and Control Self-Assessment (RCSA)

Certifications & Qualifications

CRCMCERPCIPPCAMSJD

Industry Keywords

Consumer CreditBanking ComplianceRegulatory AgilityChange ManagementRisk-Based Decision-Making

About the role

Key responsibilities & impact

Advise on compliant, risk-based solutions that help the organization achieve its goals
Independently champion compliance programs and focus areas
Advise business partners on risk assessments, projects, and regulatory change management
Promote regulatory agility across a fragmented and evolving regulatory landscape
Drive timely resolution of compliance issues
Analyze themes and actions appropriately
Advise business partners on mitigating risks through policies, procedures, processes, and controls
Develop solutions to mitigate regulatory risks based on organizational goals
Champion and educate business partners on the Risk and Control Self-Assessment (RCSA) program
Escalate issues and risks to senior leadership
Present on complex compliance matters to larger audiences as appropriate
Report to the Senior Manager and above; no direct reports

Requirements

What you’ll need

High School Diploma or GED
8–10 years experience in Consumer credit, banking compliance, and/or a related field
Bachelor’s Degree in Compliance, Risk, or Business preferred
Subject matter expertise in Compliance, Risk, Privacy, or Legal background
Certifications such as CRCM, CERP, CIPP, CAMS, or JD preferred
5+ years with open End Consumer Credit Card Lending and Banking Compliance, including Fair Lending, Regulation B/ECOA, TILA/Regulation Z, FCRA, and UDAAP
Experience leading people indirectly
Analytical, solution-oriented, and advocacy skills to execute in a strategic advisor role
Knowledge of regulatory agility, Privacy by Design Integration, AI Governance, strategic influence, risk-based decision-making, regulatory compliance, research, change management, risk management, and risk assessments
Ability to travel up to 5% annually
Must be work authorized in the United States on a full-time basis without current or future sponsorship
F-1 student visa holders are not eligible
Ability to perform essential job functions and meet physical, mental, and work-environment requirements

Benefits

Comp & perks

Medical, prescription drug, dental, vision, and other voluntary benefits
Basic and optional life insurance
Supplemental medical plans
Short- and long-term disability
Six weeks of 100% paid parental leave after a 180-day waiting period
401(k) plan, available immediately upon hire
11 paid holidays
Flexible Time Off (FTO) program
Paid Sick and Safe Time (PSST)
Illinois Paid Leave for Illinois associates
Ability to purchase company stock during offering periods in June and December
Annual incentive bonus based on individual and company performance
Career development opportunities
Wellness support and diverse benefits suite