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Job Summary

The Summer Internship Program at Bread Financial allows college students to develop a variety of skills within different areas of our business. Over the summer, interns will collaborate with several teams and departments, building a firm knowledge of our business and company culture. Participants will also go through a professional curriculum, attend social and philanthropic events, and participate in executive round tables. The program targets rising junior and senior undergraduate students and graduate students.

The Financial and Credit Risk teams have enterprise risk oversight and are responsible for risk management associated with critical enterprise processes pertaining to liquidity, capital, market, strategic and model risk. In this role, interns will learn about risk oversight into the banks’ funding programs and related controls and reporting. Interns will also work with Bread Financial subsidiaries and internal and external business leaders within Treasury, Finance, Accounting, Credit Risk, and Strategy. Responsibilities are not limited to, but can include:

Analysis & Reporting – Support the Financial and Credit Risk teams (treasury, capital, strategic, model), analyze program related data (i.e. cash flow movements, liquidity, interest rate changes, etc.), review reporting and calculations to ensure accuracy and integrity of their processes.

Documentation & Execution – Assist with preparation of work papers, reports, and other deliverables to ensure proper documentation of risk is demonstrated. Begin to gain an understanding of external events and emerging economic risks. Assist in other efforts as needed, such as ad hoc projects, department updates, etc.

Governance & Oversight – Learn the foundations of risk management to support a proactive risk and control culture.

Ad hoc Requests – Assist with completing ad hoc analysis requests in support of various programs such as risk assessments and management reviews.

Essential Job Functions

• Gaining an understanding of the associate’s related area of the enterprise and completion of role-specific training provided by their respective team. Participate and demonstrate new knowledge gained through individual coaching and training conversations, while continuing to expand knowledge of the broader organization. - (30%)
• Activity-based Training Development curriculum and Talent Mobility programs to facilitate participant development. - (20%)
• Demonstrate outstanding verbal and written communication skills when working with internal and external partners. Present information in a clear, concise, and professional manner utilizing technology and innovation. - (15%)
• Build and maintain effective internal and external business partnerships. Identify, resolve, and escalate concerns as needed. - (15%)
• Learn proper process and procedures relevant to an associate’s respective team. Utilize knowledge of Microsoft Office tools and specific job-related technology. - (10%)
• Actively seek out opportunities to expand knowledge of the broader business. By completing overviews of other teams, project interactions, or other cross functional collaboration, continuously expand knowledge of the organization, offerings, and innovations. - (5%)
• Follow established guidelines for quality and productivity. Act responsibly to minimize risk and ensure compliance. Support internal and external audits. - (5%)

Minimum Qualifications

• High School Diploma or GED
• Entering Junior year of bachelor’s degree

Preferred Qualifications

• Previous completion of a Bread Financial Summer Internship

Skills

• Microsoft Office
• Time Management
• Professional Etiquette

Reports To: Supervisor 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 Bread Financial location.

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.

• Typing/Writing

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.

Typical Pay Range:

$18.00 - $65.00

Full Pay Range for position:

California: $18.00 - $65.00

Colorado: $18.00 - $65.00

New York: $18.00 - $65.00

Washington: $18.00 - $65.00

Maryland: $18.00 - $65.00

Washington DC: $18.00 - $65.00

Illinois: $18.00 - $65.00

New Jersey: $18.00 - $65.00

The actual base pay within this range may be dependent upon many factors, which may include, but are not limited to, work location, education, experience, and skills.

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, both full time and part time, can immediately enroll in Bread Financial’s 401(k) plan.

All associates receive 11 paid holidays. Full-time hourly associates receive a bi-annual grant of Paid Time Off (“PTO”) in each January and July based on their service date and scheduled hours, whereas newly hired full time hourly associates in their first year of employment receive a prorated PTO grant on their 61st day of employment based on the month of hire and scheduled hours. Associates will receive a payout of any unused PTO, up to 40 hours, paid out in the next calendar year (except associates in Alaska, California, Colorado, Montana and Nebraska who are paid for all unused PTO). Additionally, hourly associates (except those in California) generally receive 72 hours of Paid Sick Leave Plus (“PSL+”) per calendar year, with a pro-rated grant in the associate’s first year of employment to the extent allowed by applicable law. If additional PSL+ is required in a particular jurisdiction, the company with comply with applicable law. Unused PSL+ does not carry over from one calendar year to the next unless required by applicable law. Instead of PSL+, hourly associates in California receive 80 hours of Paid Sick and Safe Time (“PSST”) upon hire and at the beginning of each subsequent calendar year.

Hired associates will be able to elect the purchase company stock during offering periods in June and December.

Click here for more Benefits and PTO information.

About Bread Financial

• Bread Financial offers competitive pay, a comprehensive selection of benefit options including 401(k).
• The Company is an Equal Opportunity Employer.
• Any applicant offered employment will be required to establish that they are legally authorized to work in the United States for the Company.
• The Company participates in E-Verify.
• The Company will consider for employment all qualified applicants, including those with a criminal history, in a manner consistent with the requirements of all applicable federal, state, and local laws, including the Los Angeles Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, and the New York City Fair Chance Act. Applicants with criminal histories are encouraged to apply.
• The Company complies with the Americans with Disabilities Act (ADA), as amended, and all applicable state/local laws. The Company will provide accommodations to applicants needing accommodations to complete the application process. Applicants with disabilities may contact the Company to request and arrange for accommodations. If you need assistance to accommodate a disability, you may request an accommodation at any time. Please contact the Recruiting Team at TaOps@breadfinancial.com.

Job Family:

Internships and Special Pgms

Job Type:

Temporary