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Job Summary

The Financial Risk Advisor is accountable for proactively identifying potential financial risks and ensuring adequate controls are in place by the first lines of defense to guard against financial loss and other business risks. The Advisor supports and enables senior leaders and functional experts across a specific line of business (first line of defense) to integrate risk management practices into their strategic business plans and day to day process responsibilities. The financial risk team acts as a second line of defense for senior finance and strategy leaders.

Essential Job Functions

• Consult with all levels of leadership for the end-to-end execution of the RCSA program, including control breaks and resolutions, to reduce financial loss, regulatory exposure, and manage risks within enterprise risk appetites - (30%)

• Review & challenge first line forecasts, stress testing, and reporting to ensure integrity and alignment with strategic objectives. - (25%)

• Analyze program-related policies, standards, & data to provide strategic recommendations. - (15%)

• Monitor and report financial risk metrics, collaborate with leaders to address deviations and action planning. - (15%)

• Conduct Risk Assessments on initiatives and programs to identify unmitigated risks and ensure strategic and regulatory alignment. - (15%)

Minimum Qualifications

• High School Diploma or GED

• 8+ years Risk management, financial planning, financial reporting, audit, governance, compliance oversight, control oversight or other related disciplines.

Preferred Qualifications

• Bachelor’s Degree in Business Administration, Risk Management, Communications, Accounting, Finance, or related

• Certified Public Accountant (CPA) - American Institute of Certified Public Accountants

• Certified Internal Auditor (CIA) - Institute of Internal Auditors

• Certification in Risk Management Assurance (CRMA) The Institute Of Internal Auditors

• Certified Enterprise Risk Professional (CERP)

• 10+ years in Risk management, financial planning, financial reporting, audit, governance, compliance oversight, control oversight or other related discipline.

Skills

• Controls Testing

• Issue Management

• Identifying Risks

• Procedures Management

Reports To: Director and above

Direct Reports: 0

Work Environment

• Normal office environment. (Remote or Hybrid), 3 to 4 days per month are required in office if within 60 miles of a posted Bread Financial location.

Travel

• Ability to travel up to 5% annually

Physical and Mental Requirements
To 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/Hearing

• Communicate/Talking

• Stationary Position/Seated

• Typing/Writing

Other Duties

This 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 (unless otherwise noted below):

$108,300.00 - $196,300.00

Full Salary Range for position:

California: $124,600.00 - $245,400.00

Colorado: $108,300.00 - $206,100.00

New York: $119,200.00 - $245,400.00

Washington: $113,700.00 - $225,700.00

Maryland: $113,700.00 - $215,900.00

Washington DC: $124,600.00 - $225,700.00

Illinois: $108,300.00 - $215,900.00

New Jersey: $124,600.00 - $225,700.00

Vermont: $108,300.00 - $196,300.00

Ohio: $108,300.00 - $196,300.00

The 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.

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.

All associates receive 11 paid holidays. Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off. Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year. Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year. Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.

Hired associates will be able to elect the purchase company stock during offering periods in June and December. You will be eligible for an annual incentive bonus based on individual and company performance.

Click here for more Benefits information.

About Bread Financial®

• 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.

Job Family:

Enterprise Risk

Job Type:

Regular