Essential Job Functions:

• Audit and Controls: Perform audits and validations on credit bureau reporting processes both through internal data and external data received from credit bureau reporting agencies to ensure the accuracy of our reporting to the credit bureaus. Ensures current practices and audit outcomes are aligned with relevant regulatory and industry requirements for reporting. These audits may include but is not limited to the following: Bankruptcy, Cares Act, Fraud, Deceased, Charge-Off, Sold, Conversions, De-conversions, Credit Bureau Reject Reporting, Experian Dashboard Reporting, etc. Responsible for participating in and leading credit bureau efforts for system installs, customer remediation efforts and may serve as issue owner for Archer issues or remediation plans following our Enterprise Risk and Control processes. Prioritizes efforts on critical initiatives and works to identify opportunities and problem solve.

• Analytics: Responsible for creating and maintaining queries related to audit and monitoring functions, as well as critical regulatory and customer remediations. Ability to perform ad-hoc research and root cause analysis on any potential process, system or other gaps identified and collaborate with business partners on issue and problem resolution to help drive overall strategy. Ability to perform trending and impact analysis as it pertains to reporting, disputes, complaints, and industry trends.

• Reporting and Documentation: Create and maintain documented procedures for internal processes including audit processes, cadences, and results. Review and update existing procedures on an annual basis to ensure procedures are relevant and up to date. Create new documented procedures for new audits as needed. Responsible for documentation, in established templates and formats on the credit bureau reporting team, of all audit results, outcomes, and follow-up activity for audits performed. Participate in reviews of audit results, responsible for presenting findings. Complete monthly reporting which will summarize credit bureau reporting performance through data coming from the bureaus as well as newly identified potential issues that will need to be investigated. Define, formulate and execute business strategies for credit bureau reporting that fully support adherence to regulatory requirements. Assists with presentations for quarterly meetings with all key stakeholders to communicate performance results as well as review benchmarking against peers in the industry in key areas of reporting and disputes.

• Communication: Openly communicates to leaders when issues are identified. Lead internal and external discussions to determine root cause analysis. Provide guidance and advice to key stakeholders on specific areas of concern identified, impacts on credit reporting and the business, and recommendations on fixes and resolutions that will need to be completed. Demonstrates outstanding Verbal and Written Communication skills when working with internal and external partners.

• Relationships/Business Support: Supports and consults with cross-functional partners both internal and external for matters related to credit bureau reporting. Partners with Compliance and Legal to ensure adherence to all compliance and regulatory requirements. Establishes relationships with credit bureau contacts for Experian, Equifax, Trans Union, and Innovis for all topics related to credit bureau reporting; and seeks input from each where appropriate in making our internal business decisions on reporting and remediations. Participates in business projects and provides project updates in weekly meetings. Is a SME for business partners on industry credit bureau reporting guidelines and represents the credit bureau reporting team, making decisions for credit bureau reporting initiatives.

Reports to: Credit Bureau Reporting Senior Manager

Direct Reports: None

Working Conditions/Physical Requirements:

• Normal office environment, some travel may be required.

• This position is hybrid with an onsite schedule of 3-4 days per month. In-office requirements are subject to change based on business needs. This position is currently available to candidates that reside within 60 miles of Columbus, OH; Chadds Ford, PA; Plano, TX; Draper, UT; Wilmington, DE; or New York, NY.

Minimum Qualifications:

• High School diploma or equivalent relevant work experience

• Six or more years in Credit Bureau Reporting experience and/or relevant business experience

• Proven working knowledge of Metro 2 Industry Guidelines.

Preferred Experience:

• High School diploma or equivalent work experience

• Eight or more years in Credit Bureau Reporting experience and/or relevant business experience

• Proven working knowledge of Metro 2 guidelines and format.

• Proven working knowledge of FCRA (Fair Credit Reporting Act)

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be a part of our award-winning culture. We’ve been consistently recognized as a best place to work 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 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 product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread Cashback American Express® Credit Card and Bread Savings products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its 7,500+ global associates and is committed to sustainable business practices.