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Job Summary
The AI Lead in Compliance Testing is a senior SLOD practitioner within Enterprise Risk Management responsible for leading AI-related compliance testing, governance, and credible challenge activities. The AI Lead will oversee and directly manage the controlled growth and governance of the department's internal AI testing tool as well as independently execute quarterly, risk-based testing / credible challenge of enterprise AI use cases, including agentic AI and large language models (LLMs). The role will integrate deep consumer compliance expertise with strong IT and AI risk acumen to ensure AI capabilities are designed, governed, and monitored in alignment with the Compliance Management Program (CMP), enterprise risk frameworks, and regulatory expectations. The AI Lead will partner across Compliance, Technology, Model/AI Risk, Data Governance, Privacy, Legal, and other relevant business teams to assess controls, challenge design, and drive continuous improvement.
Essential Job Functions

• AI Governance and Oversight: Provide governance, oversight, and controlled expansion of the Compliance Testing Team's internal AI tool including use-case intake, prompt library / agent inventory growth, change management, access controls, documentation standards, monitoring, and issue tracking. - (25%)
• AI Testing & Credible Challenge: Execute the quarterly, risk-based testing program to perform independent credible challenge of enterprise AI use cases (including agentic AI and LLMs), assessing compliance, control effectiveness, output risk, and customer impact. - (25%)
• Cross-Functional Risk Partnership: Collaborate with Technology, AI/Model Risk, Enterprise Risk, Data Governance, Privacy, Legal, and business stakeholders to review AI initiatives, challenge control design, and escalate risks in alignment with risk appetite. - (15%)
• AI Control Assessment: Evaluate controls across the AI lifecycle, including data inputs, model/prompt design, access management, human oversight, change management, monitoring, third-party dependencies, and documentation. - (10%)
• Consumer Compliance Integration: Translate regulatory requirements (UDAAP, Fair Lending, ECOA/Reg B, TILA/Reg Z, FCRA, Privacy) into AI-focused testing procedures, control expectations, and issue identification. - (10%)
• Reporting and Governance: Develop clear, defensible workpapers, credible challenge documentation, and executive-ready reporting for compliance and other applicable governance committees. - (5%)
• Program Enhancement: Enhance AI testing frameworks, methodologies, and tools; identify ways to responsibly automate testing activities while maintaining governance. - (5%)
• Subject Matter Expertise: Serve as SME for AI compliance testing, providing guidance, mentoring, and training to Compliance Testing staff, when needed. - (5%)

Minimum Qualifications

• High School Diploma or GED.
• 8+ years of experience in consumer credit, banking, and/or a related field.

Preferred Qualifications

• Bachelor's Degree in Compliance, Risk, Information Systems, Business or related Field.
• Certified Regulatory Compliance Manager (CRCM) ABA
• Artificial Intelligence Governance Professional (AIGP) IAPP
• ISO/IEC 42001 Foundation / Lead Implementer ITCERTS
• Certified Artificial Intelligence Practitioner (CAIP) CertNexus
• Advanced in AI Risk AAISM Certification ISACA
• AI Security Management ISACA
• Advanced in AI Audit Certification (AAIA) ISACA
• Certified Information Privacy Professional (CIPP) IAPP
• Certified Public Accountant (CPA) NASBA
• Certified Internal Auditor (CIA) IIA
• Project Management Professional (PMP) PMI
• 8+ years of experience in compliance, audit, technology risk, or AI governance roles.

Skills

• Compliance Testing
• Regulatory Compliance Management
• Regulatory Risk Assessment
• AI Governance
• IT Risk Assessments
• Analytical Thinking
• Critical Thinking
• Stakeholder Influence
• Integrated Reporting
• Communication skills

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
• Maintain focus in high pressure or fast-paced work environment

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):
$112,400.00 - $179,900.00
Full Salary Range for position:
California: $129,300.00 - $224,900.00Colorado: $112,400.00 - $197,900.00New York: $123,600.00 - $224,900.00Washington: $123,600.00 - $206,900.00Maryland: $123,600.00 - $197,900.00Washington DC: $129,300.00 - $206,900.00Illinois: $112,400.00 - $197,900.00New Jersey: $129,300.00 - $206,900.00Vermont: $112,400.00 - $179,900.00Ohio: $112,400.00 - $179,900.00Maine: $112,400.00 - $179,900.00Connecticut: $123,600.00 - $197,900.00Virginia: $112,400.00 - $179,900.00
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.
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.
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®
At Bread Financial, you'll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We've been consistently recognized as a best place to work nationally and in many markets and we're proud to promote an environment where you feel appreciated, accepted, valued, and fulfilled-both personally and professionally. Bread Financial supports the overall wellness of our associates with a diverse suite of benefits and offers boundless opportunities for career development and non-traditional career progression.
Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.
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.

• 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