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Job Summary

The Enhancement Marketing team drives revenue-generating strategies for add-on products, including Account Assure. The team has business ownership for the first line of defense monitoring/controls to ensure adherence to regulatory guidelines.

The Senior Analyst in Enhancement Marketing provides regulatory oversight, including First Line of Defense (FLOD) monitoring, documentation, and reporting. The role drives remediations with regulatory implications, works with management on strategy and implementation, and manages vendors with high visibility and complexity. The Senior Analyst completes Client Partnership forecasting marketing plans and creates and executes EM strategies. To drive sales and revenue, the Specialist collaborates and influences the development of Enhancement Marketing initiatives.

 

Essential Job Functions 

• Program/ Risk Management- Assists with managing bank-owned credit card add-on products (Account Assure) and Client-owned programs. This includes establishing, monitoring, documenting, and reporting on the first line of defense control monthly.  Proactively identifies and recommends solutions to problems or potential issues.  Notifies the direct manager of the issue at hand but takes the lead on resolution.  Opens an Issue and Work Request if needed to rectify. Manages the Risk and Resolution process for the first line of defense related to Credit Card add-on Products.  Oversees all new client set-ups, terminations, and deconversions.  Attends kick-off meetings and participates in implementations. Anticipates problems and utilizes analytical decision-making skills to solve the problem. 

• Quality Control - Ensures the flawless delivery of Enhancement Marketing programs through the clarification of program requirements, management of all timelines and execution tasks, communication of key deliverables, and quality control.  Projects may include any or all of the following: collateral development, inventory management, program requests to Marketing Delivery, auditing, vendor management, internal and external (client/vendor) system set-ups, and collection of program results for publishing. 

• Vendor management- Assists with vendor relationship oversight with external partners. Responsible for training sessions, and daily management, including reports, trend analysis, calibrations, disputes, scripting, smartMart,  quality assurance, monitoring, cardholder issue resolution, financial analysis, and reporting.  Creates refresher training materials, presentations, and tool tips.  Some travel may be required to external vendors.     

• Client relationships- Assists with Enhancement Marketing's relationship with Clients.  Work closely with the Client / Client Partnership teams to support the brands from an Enhancement Marketing perspective. Generate revenue through enhancement services to grow the client relationship and the business. Participate in regular meetings with Client Partnership and other key partners to analyze revenue, commissions, and product opportunities. Assists with managing various technical and marketing projects supporting enhancement marketing initiatives. Update the manager on project status and provide sound recommendations toward problem resolutions. Responsible for Client Management, Co-Brand Client Management, onboarding of new clients, sales, and reporting. Gain clients’ consent to facilitate monitoring for Client Owned add-on products.  This may include presenting to the Brand Partners.  The Sr Analyst, Enhancement Marketing role coordinates with internal Bread Financial teams to develop and implement strategies that meet the Enhancement Marketing needs of the client and manages the relationship with multiple vendors and Customer Care Centers.  This includes overnight travel to facilitate face-to-face meetings and the creation of training materials, associate memos, and general education.   

• Complaints- Run the escalated compliant process for EM and Client Owned complaints.  Analyzes the complaint, determines the resolution and root cause, gathers enrollment information, and records everything in Sales Force.  Drives the opportunity to resolution.   Works with the Issues Management team on Issue remediation. Utilizes professional maturity and interpersonal skills to solve escalated complaints. 

• Technical System Management- Manage the third-party system and table set-ups for Bank Owned CCAPS.  Product code set up for Client-owned programs and Account Assure program set up.  This includes client-owned vendor relationship oversight, solving file issue errors, setting up tables, and vendor and client correspondence.  Handles Third Party Billing System file issues and liaison with vendors, clients, and internal teams to resolve them. 

• Deliverables-  The role will collaborate in developing Enhancement Marketing initiatives that drive sales and revenue.  Prepares materials for and runs the Enhancement Marketing Task Force Meeting. 

 
Reports to: Manager or above 
 
Working Conditions/ Physical Requirements:  Normal office environment; some travel may be required 
  
Direct Reports:  None 
 
Minimum Qualifications:  

• Bachelor's degree in business, Finance, Marketing, or a related field.

• Four or more years of experience in Sales, Marketing, Financial, Operations, Call Center Solutions or Call Quality 

 
Preferred Experience: 

• Master's degree in business, Marketing, Sales, Operations Management 

• More than five years' experience with a financial institution, sales/ marketing, operations or strong credit experience.

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.

About Bread Financial®

At Bread Financial, you’ll have the opportunity to grow your career, give back to your community, and be part of our award-winning culture. We’ve been consistently recognized as a best place to work nationally and 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 that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life.

 

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagram and LinkedIn.

• All job offers are contingent upon successful completion of credit and background checks.

• Bread Financial is an Equal Opportunity Employer.

Job Family:

Marketing

Job Type:

Regular