Lead - ERM Programs Specialist

Summary

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 SummaryThe Enterprise Risk Management (ERM) Lead will play a key role in the design, implementation, governance, monitoring, reporting, and continuous enhancement of the Enterprise Risk Management Framework. This role will provide subject matter expertise and advisory support across multiple ERM programs, including Risk and Control Self-Assessments (RCSAs), Process Change Risk Assessments (PCRAs), Control Testing, Risk Assessments, and Issues Management. The ERM Lead will partner closely with business stakeholders and risk management functions across the First and Second Lines of Defense to drive program effectiveness, consistency, regulatory alignment, and risk‑informed decision‑making. This role is responsible for identifying opportunities to strengthen risk management practices, improve program execution, enhance reporting and data quality, and support the ongoing evolution of the ERM Framework.Essential Job FunctionsLead the design, implementation, maintenance, governance, monitoring of adherence, and continuous improvement of ERM Framework programs, methodologies, standards, procedures, and supporting governance processes - (20%)Lead and influence cross‑functional program initiatives; identify, assess, manage, implement, and train on these improvements to First‑and Second‑Line stakeholders. - (20%)Partner with First‑and Second‑Line stakeholders to drive consistent understanding, adoption, and execution of ERM program requirements while serving as a trusted advisor for ERM‑related guidance, consultation, and support. - (20%)Assess the impact of ERM program enhancements on Archer by translating program requirements into business and functional requirements, supporting solution design and user acceptance testing, and ensuring alignment with ERM governance, reporting, and operational needs. - (20%)Analyze program data to identify trends, process inefficiencies, and opportunities for escalation, remediation, and program enhancement. - (5%)Develop and deliver executive reporting, presentations, training, and communications that provide meaningful risk insights, support program enhancements, and strengthen stakeholder accountability and risk awareness. - (5%)Support regulatory examinations, audits, and independent reviews by providing documentation, analysis, reporting, and subject matter expertise related to ERM programs and governance practices. - (5%)Perform additional responsibilities and special projects in support of ERM strategic priorities and enterprise risk initiatives. - (5%)Minimum QualificationsHigh School Diploma or GED.8-10 years of experience in Enterprise Risk Management, Operational Risk, Internal Audit, Compliance, Risk Governance, or a related risk and control discipline, including experience with RCSA, PCRA, Control Testing, Risk Assessments, Issues Management, or similar risk management programs.Direct experience working within OCC, FRB, FDIC, CFPB, or other regulated financial institution environments, including supporting regulatory examinations, remediation activities, and risk governance expectations.Preferred QualificationsBachelor's Degree in Risk Management, Finance, Accounting, Business Administration, Information Systems, or equivalent, relevant work experience10-13 years of experience in Enterprise Risk Management, Operational Risk, Internal Audit, Compliance, Risk Governance, or a related risk and control discipline, including experience with RCSA, PCRA, Control Testing, Risk Assessments, Issues Management, or similar risk management programs.SkillsStrategic ThinkingDriving Continuous ImprovementStakeholder InfluenceCommunication skillsReports ToDirector and aboveDirect Reports0Work EnvironmentNormal office environment. (Remote or Hybrid), 3 to 4 days per month are expected in office if within 60 miles of a posted Bread Financial location.TravelAbility to travel up to 5% annuallyPhysical and Mental RequirementsTo 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/HearingCommunicate/TalkingTyping/WritingMaintain focus in high pressure or fast‑paced work environmentOther DutiesThis 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$112,400.00 - $179,900.00Full Salary Range for positionCalifornia: $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 - $179,900.00The 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.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 TaOps@breadfinancial.com .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.Job FamilyEnterprise RiskJob TypeRegular#J-18808-Ljbffr

Job Description

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 SummaryThe Enterprise Risk Management (ERM) Lead will play a key role in the design, implementation, governance, monitoring, reporting, and continuous enhancement of the Enterprise Risk Management Framework. This role will provide subject matter expertise and advisory support across multiple ERM programs, including Risk and Control Self-Assessments (RCSAs), Process Change Risk Assessments (PCRAs), Control Testing, Risk Assessments, and Issues Management. The ERM Lead will partner closely with business stakeholders and risk management functions across the First and Second Lines of Defense to drive program effectiveness, consistency, regulatory alignment, and risk‑informed decision‑making. This role is responsible for identifying opportunities to strengthen risk management practices, improve program execution, enhance reporting and data quality, and support the ongoing evolution of the ERM Framework.Essential Job FunctionsLead the design, implementation, maintenance, governance, monitoring of adherence, and continuous improvement of ERM Framework programs, methodologies, standards, procedures, and supporting governance processes - (20%)Lead and influence cross‑functional program initiatives; identify, assess, manage, implement, and train on these improvements to First‑and Second‑Line stakeholders. - (20%)Partner with First‑and Second‑Line stakeholders to drive consistent understanding, adoption, and execution of ERM program requirements while serving as a trusted advisor for ERM‑related guidance, consultation, and support. - (20%)Assess the impact of ERM program enhancements on Archer by translating program requirements into business and functional requirements, supporting solution design and user acceptance testing, and ensuring alignment with ERM governance, reporting, and operational needs. - (20%)Analyze program data to identify trends, process inefficiencies, and opportunities for escalation, remediation, and program enhancement. - (5%)Develop and deliver executive reporting, presentations, training, and communications that provide meaningful risk insights, support program enhancements, and strengthen stakeholder accountability and risk awareness. - (5%)Support regulatory examinations, audits, and independent reviews by providing documentation, analysis, reporting, and subject matter expertise related to ERM programs and governance practices. - (5%)Perform additional responsibilities and special projects in support of ERM strategic priorities and enterprise risk initiatives. - (5%)Minimum QualificationsHigh School Diploma or GED.8-10 years of experience in Enterprise Risk Management, Operational Risk, Internal Audit, Compliance, Risk Governance, or a related risk and control discipline, including experience with RCSA, PCRA, Control Testing, Risk Assessments, Issues Management, or similar risk management programs.Direct experience working within OCC, FRB, FDIC, CFPB, or other regulated financial institution environments, including supporting regulatory examinations, remediation activities, and risk governance expectations.Preferred QualificationsBachelor's Degree in Risk Management, Finance, Accounting, Business Administration, Information Systems, or equivalent, relevant work experience10-13 years of experience in Enterprise Risk Management, Operational Risk, Internal Audit, Compliance, Risk Governance, or a related risk and control discipline, including experience with RCSA, PCRA, Control Testing, Risk Assessments, Issues Management, or similar risk management programs.SkillsStrategic ThinkingDriving Continuous ImprovementStakeholder InfluenceCommunication skillsReports ToDirector and aboveDirect Reports0Work EnvironmentNormal office environment. (Remote or Hybrid), 3 to 4 days per month are expected in office if within 60 miles of a posted Bread Financial location.TravelAbility to travel up to 5% annuallyPhysical and Mental RequirementsTo 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/HearingCommunicate/TalkingTyping/WritingMaintain focus in high pressure or fast‑paced work environmentOther DutiesThis 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$112,400.00 - $179,900.00Full Salary Range for positionCalifornia: $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 - $179,900.00The 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.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 TaOps@breadfinancial.com .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.Job FamilyEnterprise RiskJob TypeRegular#J-18808-Ljbffr