It's fun to work in a company where people truly BELIEVE in what they're doing!

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.

Our ideal candidate is a detail-oriented self-starter who can dig into the details, think of creative solutions, and pushes for change when needed.

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

Reports to: Compliance Manager or Above

Working Conditions/ Physical Requirements: Normal office environment, some travel may be required 

Direct Reports: None 

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.  

Education:

Associate's Degree

Certifications:

Work Experience

Two or more years

Skills

Compliance, Compliance Frameworks, Federal Reserve, Governance Controls, Governance Reporting, Office of Foreign Assets Control (OFAC), Regulatory Frameworks, Risk Mitigation

About Alliance Data Card Services

Alliance Data Card Services provides market-leading private label, co-brand, general purpose and commercial credit card programs, digital payments and Comenity-branded financial services. Using the industry’s most comprehensive and predictive data set, advanced analytics, and broad-reaching capabilities, Alliance Data Card Services has been helping partners increase sales and provide greater value to their customers for more than 30 years. Follow Alliance Data Card Services on Twitter, Facebook, LinkedIn and Instagram.   

About Bread®

A division of Alliance Data, Bread is a leading digital payments company that works with merchants and partners to personalize payment options for their customers. Through its full-funnel recommendation engine, Bread empowers merchants to sell more, improve conversion and lift average-order-value. Follow Bread on Twitter, Facebook and LinkedIn.

Alliance Data Card Services and Bread are a proud part of the Alliance Data enterprise, a FORTUNE 500 and S&P MidCap 400 company headquartered in Columbus, Ohio with more than 8,000 associates worldwide.

• Alliance Data offers a competitive salary, a comprehensive selection of benefit options including 401(k).

• All job offers are contingent upon successful completion of credit and background checks.

• Alliance Data is an Equal Opportunity Employer.

• Alliance Data will provide accommodations to applicants needing accommodations to complete the application process.

• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for Alliance Data.

• Alliance Data participates in E-Verify.

• Alliance Data will consider for employment qualified applicants with criminal and credit histories in a manner consistent with the requirements of all applicable laws, including the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance.

• Alliance Data complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws.  Applicants with disabilities may contact Alliance Data to request an 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 [email protected].