Lead ERM Specialist

Bread Financial•Columbus, OH

13d•Hybrid

About The Position

The Lead - ERM Specialist will support second-line oversight of the BSA/AML, OFAC, and Fraud compliance programs. This role will partner across the first and second lines to provide effective challenge, perform monitoring and testing, support risk assessments, and help ensure compliance with regulatory expectations for first-line activities. The Lead will also maintain a strong control environment through collaboration, analysis, reporting, and execution of oversight activities.

Requirements

High School Diploma or GED.
8+ years of experience in consumer credit, banking compliance and/or a related field.
Experience with MS Office Skills
Communication skills
Collaboration skills
Adobe Writing skills
System and Organization Control Standards

Nice To Haves

Bachelor’s Degree in Business, Risk, Compliance or Legal.
CAMS (ACAMS)
CFE (ACFE)
CRCM (ABA)
10+ years of experience in consumer credit, banking compliance and/or a related field.

Responsibilities

Support oversight of BSA/AML, OFAC and Fraud risk management programs, including customer and enhanced due diligence (CDD/EDD), customer identification (CIP), transaction monitoring, sanctions compliance, FACT Act and fraud risk. - (25%)
Perform testing, monitoring, and thematic reviews to assess the effectiveness of first line processes and controls. - (25%)
Assist in enterprise and targeted risk assessments across financial crimes domains, identifying inherent and residual risks. - (20%)
Support preparation of reporting and materials for governance committees and senior leadership. - (15%)
Participate in projects and initiatives to strengthen compliance frameworks and processes. - (15%)