Financial Risk Advisor

Bread Financial•Chadds Ford Township, PA

3d•Hybrid

About The Position

Every career journey is personal. That's why we empower you with the tools and support to create your own success story. Be challenged. Be heard. Be valued. Be you ... be here. Job Summary The Financial Risk Advisor is accountable for proactively identifying potential financial risks and ensuring adequate controls are in place by the first lines of defense to guard against financial loss and other business risks. The Advisor supports and enables senior leaders and functional experts across a specific line of business (first line of defense) to integrate risk management practices into their strategic business plans and day to day process responsibilities. The financial risk team acts as a second line of defense for senior finance and strategy leaders.

Requirements

High School Diploma or GED
8+ years Risk management, financial planning, financial reporting, audit, governance, compliance oversight, control oversight or other related disciplines.

Nice To Haves

Bachelor’s Degree in Business Administration, Risk Management, Communications, Accounting, Finance, or related
Certified Public Accountant (CPA) - American Institute of Certified Public Accountants
Certified Internal Auditor (CIA) - Institute of Internal Auditors
Certification in Risk Management Assurance (CRMA) The Institute Of Internal Auditors
Certified Enterprise Risk Professional (CERP)
10+ years in Risk management, financial planning, financial reporting, audit, governance, compliance oversight, control oversight or other related discipline.

Responsibilities

Consult with all levels of leadership for the end-to-end execution of the RCSA program, including control breaks and resolutions, to reduce financial loss, regulatory exposure, and manage risks within enterprise risk appetites - (30%)
Review & challenge first line forecasts, stress testing, and reporting to ensure integrity and alignment with strategic objectives. - (25%)
Analyze program-related policies, standards, & data to provide strategic recommendations. - (15%)
Monitor and report financial risk metrics, collaborate with leaders to address deviations and action planning. - (15%)
Conduct Risk Assessments on initiatives and programs to identify unmitigated risks and ensure strategic and regulatory alignment. - (15%)

Benefits

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 child(ren) under the age of 26.
New associate elected coverage begins on date of hire (with the exception of disability coverage which has a 6-month waiting period).
Six weeks of 100% paid parental leave for eligible parents is available after a 180-day waiting period.
Hired associates can immediately enroll in Bread Financial’s 401(k) plan.
All associates receive 11 paid holidays.
Associates have discretion in managing their time away from work through the Flexible Time Off (FTO) program and may need to notify and receive approval from their manager prior to taking the time off.
Associates (except those located in Illinois) receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year.
Illinois associates receive 40 hours of Illinois PSST upon hire and at the beginning of each subsequent calendar year and 40 hours of Illinois Paid Leave upon hire and at the beginning of each subsequent calendar year.
Illinois Paid Leave must be used before associates in Illinois will be approved to take FTO.
Hired associates will be able to elect the purchase company stock during offering periods in June and December.
You will be eligible for an annual incentive bonus based on individual and company performance.