Senior Compliance Testing Specialist

Bread Financial

. Develop test plans and coordinate and conduct regulatory compliance tests .

Posted 10/8/2026full-timeUnited StatesSenior💰 $81,100 - $129,800 per yearWebsite

Core Competencies

Role fit

Core Competencies

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

Demonstrates expertise in compliance management, risk assessment, and regulatory testing within the consumer credit and banking sectors. Proficient in developing compliance programs and leading teams while effectively communicating with stakeholders at various levels.

Highest-signal resume keywords

Compliance Management Program DevelopmentRisk Assessment and Internal Controls EvaluationConsumer Credit and Banking Compliance ExpertiseRegulatory Compliance TestingTeam Leadership and Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Regulatory Compliance TestingRisk AssessmentSQL Code WritingData EvaluationCompliance Program DevelopmentInternal Controls EvaluationConsumer Credit LendingBanking ComplianceChange ManagementIssue Identification

Soft Skills

Solution-OrientedDecision MakingCommunicationStakeholder EngagementMotivational Leadership

Tools & Technologies

DatabricksEDWEDHAI ToolsNIST FrameworkISO 42001

Certifications & Qualifications

CRCMCERPCIACFSAACAMSPMPCPA

Industry Keywords

TILAECOAUDAAPFCRASCRAMLAConsumer CreditBanking ComplianceRegulatory ComplianceRisk Management

Tech Stack

Tools & technologies

PMPSQL

About the role

Key responsibilities & impact

Develop test plans and coordinate and conduct regulatory compliance tests
Assess risk and internal controls
Evaluate internal business processes and operating procedures related to compliance activities
Provide solution-based guidance to the business on implementing a compliance management program
Engage with business stakeholders using risk-based guidance and knowledge of business processes
Communicate with key stakeholders and influence one to two levels above the role
Serve as a subject matter expert for functions within the department
Lead, motivate, and assist in developing the compliance testing team
Supervise projects and train associates
Provide recurring feedback to compliance testing associates
Plan and scope compliance transactional-related and control environment tests by assessing applicable laws and risks
Develop appropriate review scopes based on business-area or process knowledge

Requirements

What you’ll need

High School Diploma or GED
5-8 years experience in consumer credit, banking compliance, or related field
Must be work authorized in the United States on a full-time basis without current or future sponsorship
F-1 student visa holders cannot be employed
Ability to travel up to 5% annually
Preferred: Bachelor’s Degree in Business or equivalent education
Preferred certifications: CRCM, CERP, CIA, CFSA, ACAMS, PMP, CPA, etc.
Preferred: 6+ years experience in Consumer Credit Lending and Banking Compliance
Experience evaluating controls and processes for TILA, ECOA, UDAAP, FCRA, SCRA, MLA, and related regulations
Knowledge and exposure to writing SQL code and extracting and evaluating data from internal warehouses, including EDW, EDH, and Databricks
Knowledge of AI tools and evaluating them for consumer compliance risk and IT risk against relevant guidance and frameworks such as NIST and ISO 42001
Researching
Issue Identification
Change Management
Risk Management
Risk Assessments
Solution-Oriented
Decision Making

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 with immediate enrollment
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
Annual incentive bonus based on individual and company performance
Career development opportunities
Wellness support
Employee accommodations for disabilities