Senior Compliance Testing Specialist

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The Senior - Compliance Testing Specialist develops test plans, coordinates, and conducts regulatory compliance tests to assess risk, internal controls, evaluate internal business processes as they relate to compliance activities, and analyze operating procedures. They provide a solution-based approach through engagement with the business on the implementation of a compliance management program through risk-based guidance and a deep understanding of business processes.

They communicate effectively with key stakeholders and demonstrate the ability to influence 1 to 2 levels above role. They serve as a subject matter expert for various functions within the department.

• Lead, motivate, and assist in the development of the compliance testing team, inclusive of project supervision, associate training, and providing feedback to compliance testing associates on a recurring basis.
  
  - (40%)
• Plan and scope compliance transactional-related tests and control environment tests by assessing the applicable laws and risks.
  
  - (30%)
• Utilizing knowledge of the business area or process to develop an appropriate scope for review.
  
  - (30%)

• High School Diploma or GED.
• 5-8 years experience in consumer credit, banking compliance, or related field.

• Bachelor’s Degree in Business or equivalent education.
• Certifications:
  
  CRCM, CERP, CIA, CFSA, ACAMS, PMP, CPA, etc.
• 6+ years experience in Consumer Credit Lending and Banking Compliance.
• Evaluation of controls / processes specific to regulations such as TILA, ECOA, UDAAP, FCRA, SCRA, MLA, etc.
• Sufficient knowledge and exposure to writing SQL code and extracting and evaluating data from internal warehouses (EDW, EDH, Databricks).
• Exposure and knowledge with regards to AI tools and how to evaluate them for consumer compliance risk and IT risk against relevant guidance and industry framework (EX NIST / ISO 42001)

• Researching
• Issue Identification
• Change Management
• Risk Management
• Risk Assessments
• Issue Identification
• Solution-Oriented
• Decision Making

Reports To:

Manager and above

Direct Reports: 0

• 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.

• Ability to travel up to 5% annually

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

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.

$81,100.00 - $

California: $93,300.00 - $ Colorado: $81,100.00 - $ New York: $89,200.00 - $ Washington: $89,200.00 - $ Maryland: $89,200.00 - $ Washington DC: $93,300.00 - $ Illinois: $81,100.00 - $ New Jersey: $93,300.00 - $ Vermont: $81,100.00 - $ Ohio: $81,100.00 - $ Maine: $81,100.00 - $ Connecticut: $89,200.00 - $ Virginia: $81,100.00 - $

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…