Lead AI Compliance Testing

AI Lead In Compliance Testing

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.
• 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.
• 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.
• 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.
• 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.
• Reporting and Governance:
  Develop clear, defensible work papers, credible challenge documentation, and executive-ready reporting for compliance and other applicable governance committees.
• Program Enhancement:
  Enhance AI testing frameworks, methodologies, and tools; identify ways to responsibly automate testing activities while maintaining governance.
• Subject Matter Expertise:
  Serve as SME for AI compliance testing, providing guidance, mentoring, and training to Compliance Testing staff, when needed.

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) Cert Nexus
• 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):

$ - $

Full Salary Range for…