Compliance Analyst

| Greater NYC Area | Remote
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Job Summary:

Bread is a technology company that aims to transform the world of paper credit card applications and hidden interest rates by providing leading point-of-sale financing options for merchants across the e-commerce journey. We build tools, technologies and APIs that allow merchants to integrate an installment loan financing and checkout experience anywhere in their customers’ shopping journey. Bread was started in 2015 by financial technology veterans, and has experienced explosive growth to date.
The legal and compliance functions at Bread affect every aspect of our financial technology business. The Compliance Analyst is responsible for working on various aspects of our compliance infrastructure and implementing solutions in a scalable way and, in doing so, interacts with each and every area of the business.

Job Description

Essential Job Functions:

  • Compliance & Guidance - Monitors and evaluates operations for continued compliance with applicable laws and regulations.  Provides guidance to the business on identified issues and assists in the remediation of compliance issues. Provides continuous monitoring of policies, procedures, bank/client collateral and correspondence for adherence to compliance guidelines.  Performs transactional testing reviews of line of business functionality to ensure compliance with current State and Federal regulations. Reviews, interprets and recommends approval for policies, procedures, bank/client collateral and correspondence, as well as provides guidance to the business on projects and initiatives.  Advises the business by providing regulatory subject matter expertise. Offers alternative solutions to support business and objectives and client initiatives while mitigating compliance risk. 
  • Reporting - Tracks, develops, and prepares executive level reporting on the current state of regulatory governance with a high level of professionalism for presentation to various audiences (committees, Board of Directors, regulators, examiners, etc.). Responds to inquiries initiated through the State’s Attorney General, law enforcement, or regulatory agencies, i.e., OCC, FDIC, Federal Reserve, Treasury, OFAC, etc., on behalf of Bread

Minimum Qualifications:  

  • Associate’s degree in Business, Accounting, Criminal Justice, Analytics, Law, Finance or equivalent education  
  • Two or more years work experience in a compliance capacity in banking, financial services or related field, legal field, law enforcement, etc.  

Preferred Experience: 

  • Bachelor's degree 
  • Area of Study: Business, Accounting, Criminal Justice, Analytics, Law, Finance 
  • Five or more years work experience in a compliance capacity in banking, financial services or related field, legal field, law enforcement, etc.  
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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • GolangLanguages
    • JavascriptLanguages
    • FluxLibraries
    • ReactLibraries
    • ReduxLibraries
    • PostgreSQLDatabases
    • RedisDatabases
    • Google AnalyticsAnalytics
    • Heap AnalyticsAnalytics
    • LookerAnalytics
    • PythonAnalytics
    • RAnalytics
    • RedshiftAnalytics
    • IllustratorDesign
    • PhotoshopDesign
    • UsertestingDesign
    • FigmaDesign
    • ConfluenceManagement
    • JIRAManagement
    • TrelloManagement
    • HubSpotCRM
    • SalesforceCRM
    • MailChimpEmail
    • DatanyzeLead Gen

Location

In the heart of the Flatiron district in between both Madison Square Park and Union Square Park.

An Insider's view of Bread

What are some social events your company does?

We love celebrating all that we can from our monthly happy hours, DI&B events to our summer/winter holiday parties. Our team is extremely thoughtful about how we gather together to ensure everyone is excited about and included in all we do. It fosters collaboration in a more strategic yet relaxed way which helps build relationships.

Britney

Head of Employee Engagement

What projects are you most excited about?

A typical day at Bread is different depending on the engineer. While some engineers enjoy more autonomy, I enjoy collaborating on projects with other engineers and coming up with great solutions together. We strike a balance between stability and innovation through code reviews and guest lectures. I feel supported in my career growth here at Bread.

John

Software Engineer

How does the company support your career growth?

Bread encourages us to empower ourselves from the very start of our careers by offering every employee a stipend to seek educational resources and support. If you envision a role we don’t currently offer, or aspire to transition internally, we aim to give you the tools needed to meet your goal.

Gaby

Recruiting Coordinator

How do you collaborate with other teams in the company?

One of the great things about working at Bread is the cross-functional collaboration with other teams. As an integrations engineer, I have not only learned how to intentionally build a product in a thoughtful manner from the Engineering and Product teams, but also how to be effective in a client facing role from our Sales and Success teams.

Wei

Integrations Engineer

What are Bread Perks + Benefits

Bread Benefits Overview

100% Paid Health, Dental & Vision
Stock Options
Flexible Vacation Policy
Team Events
Weekly Lunches
Learning & Development stipend
Bi-monthly Yoga
Bi-monthly chair massage
Life events and milestone celebrations

Culture
Volunteer in local community
Partners with Nonprofits
Friends outside of work
Eat lunch together
Intracompany committees
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Open office floor plan
Diversity
Dedicated Diversity/Inclusion Staff
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Team workouts
We have in office yoga once a week!
Retirement & Stock Options Benefits
401(K)
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
Remote Work Program
Family Medical Leave
Company sponsored family events
Bread sponsors family oriented events annually.
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Perks & Discounts
Casual Dress
Commuter Benefits
Company Outings
Stocked Kitchen
Some Meals Provided
Employees get free lunch on Friday.
Happy Hours
Recreational Clubs
Relocation Assistance
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
Bread offers employees professional development opportunities like annual individual budget for training, the ability to attend job related conferences and seminars.
Diversity Program
Lunch and learns
Bread hosts lunch and learn meetings on occasion.
Promote from within
Continuing Education stipend
We offer $$$ annually for continuing education.
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