Compliance Testing Analyst Senior

Essential Job Functions:

• Quarterly Compliance Projects / Adhoc Reviews: Conducts and leads on assigned Quarterly Compliance Projects and/or Ad-hoc reviews by assessing the applicable laws and risks and utilizing knowledge of the business area or process and regulatory requirements to develop appropriate scope for review, test attributes, sampling methodology etc. Independently leads and ensures successful completion of project from planning, fieldwork, and reporting in timely manner within acceptable quality standards. Tests the adequacy of compliance controls in place within the business and identifies potential and actual control deficiencies by conducting an independent RCSA review by executing design and operating effectiveness testing of the control as per the Control Testing Methodology. Creates and executes on scope by conducting qualitative (business process review, reporting review, training review, monitoring review) and quantitative reviews (transactional tests, data analytics) during fieldwork. Creates work papers that clearly articulate the work performed and results obtained and communicates the conclusion of the test to the internal stakeholders (Business partners, First Line & Compliance Advisors) and explains the risk associated with the results based on substantive evidence. Performs peer reviews on analyst work, where applicable, on assignments completed by team members to achieve testing objectives and meet deadlines. Performs quality reviews on active and completed tests and provides constructive feedback to the team and highlights improvement areas. Leads and creates knowledge sessions, inclusive of process enhancements / best practices discussions with/for the department. Conducts monthly issue validations on higher risk issues assigned each month.

• Automated testing / Data Analytics: Builds on automated testing and data analytic tests identified during quarterly projects, ad-hoc reviews, and stretch assignments by utilizing data analytics skills, tools, and applications in order to provide management with more qualitative results and awareness of total impact.Assists team members and management in building automated testing inventory and data analytics opportunities as new risks develop and business strategies emerge / shift.

• Documentation: Prepares monthly reports on automated testing to inform key stakeholders of the outcome of monitoring and review work, including ratings, assigning owners actions and overall status. Prepares workpapers, draft project reports, and other project deliverables as part of the Quarterly Compliance Project and/or Ad-hoc reviews assigned per the annual test plan and in line with department procedures. Timely updating of Issue validation tracker for monitoring and reporting. Accurate and timely upload of testing documents related to quarterly projects/ ad-hoc reviews on internal database testing application.

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 providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread Cashback American Express Credit Card , Bread Rewards American Express Credit Card and Bread Savings products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000 global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit breadfinancial.com or follow us on Facebook , LinkedIn , X and Instagram .