Plano, Texas

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Job Summary

Bread Financial Holdings is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions. We have an opening for a Senior Financial Reporting Analyst who will help our company prepare, review and ultimately file various financial reports with the SEC and our governing regulatory agencies. Just as important, this individual will also help us transform our reporting process through process improvement such as automation and reporting platform transformation, as well as enhancing our outreach and engagement model with our various internal partners including our General Counsel’s Office, Investor Relations, and Treasury.

Job Description

Essential Job Functions:

  • Prepare and review documents required by the SEC and regulatory agencies for external financial reporting, including 8-Ks, 10-Qs, 10-Ks, annual reports, proxy statements and call reports.
  • Use a formal process for data gathering, consolidation and analysis of financial data relative to the preparation of those required filings.
  • Review, analyze and validate quarterly earnings press releases, earnings slides and conference call scripts.
  • Complete tie-out procedures to confirm accuracy, completeness and continuity between our various SEC and regulatory filings, and our earnings materials.
  • Research and prepare reference material and memorandums concerning new and existing accounting and reporting literature to ensure compliance.
  • Execute and compile documentation supporting internal control over financial reporting for SEC and regulatory reporting.
  • Serve as the primary point of contact with our auditors, engaging with our team to help provide timely and responsive action to their queries. 
  • Maintain an external prospective of best practices across the financial services industry (and more broadly as relevant) for enhancement opportunities.
  • Provide assistance with additional ad-hoc financial analysis and reporting.
  • Review procedures and provide recommendations for improvements and efficiencies, including engaging with and advancing automation throughout the financial reporting process and influencing the digital mindset of the Company.

Reports to: Manager, Financial Reporting

Working Conditions/ Physical Requirements:  Remote, some limited travel may be required.

Direct Reports: No

Minimum Qualifications:

  • Bachelor’s degree in accounting
  • Capable of thinking analytically and creatively. Strong initiative, confidence and drive to achieve results without explicit direction or detailed instruction
  • Possesses ability to meet deadlines and handle multiple tasks and projects
  • Five or more years of experience
  • Type / focus of work experience required: Financial reporting
  • Excellent written, verbal, and interpersonal communication skills with ability to communicate effectively within all levels of the organization.
  • Ability to interact, influence and build relationships at all levels of seniority and across all functions within the organization

Preferred Experience:

  • CPA highly preferred
  • Type / focus of work experience preferred: Public accounting experience

Other Skills:

  • Efficient organizational skills
  • Adaptive thinking
  • Collaboration mindset
  • Growth mindset
  • Curious, passion-driven learning
  • Strong interpersonal skills
  • Effective critical thinker
  • Excellent at creating detailed documentation and reporting
  • Track record of successful project delivery


About Bread Financial

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 (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 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 CashbackTM American Express® Credit Card and Bread SavingsTM products.

Formerly Alliance Data, Bread Financial is an S&P MidCap 400 company headquartered in Columbus, Ohio, and committed to sustainable business practices powered by its 6,000+ global associates. To learn more about Bread Financial, visit or follow us on Facebook, LinkedIn, Twitter and Instagram.

  • 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

New York City, NY:  Disclosure of COVID-19 vaccination status will be required after acceptance of a conditional offer of employment for associates who will work in the Company’s New York City, New York office on a full-time or hybrid basis (“NYC Associates”) to the extent allowed by applicable law.  NYC Associates are required to be vaccinated against COVID-19 to work on-site.  The Company is an equal opportunity employer and will consider reasonable accommodations where required by applicable law. 

Job Family:

Accounting / Finance

Job Type:


Plano, Texas

Bread Financial is a leading provider of simple, personalized payment, lending, and saving solutions. We create opportunities for our customers and partners through digitally-enabled choices that offer ease, empowerment, and financial flexibility. Looking for Alliance Data or Comenity? You're in the right place.

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