Governance Bread Financial Holdings, Inc.

BFH

US0185811082

Consumer Lending

Market Closed - Nyse Other stock markets 21:00:03 05/06/2026 BST			5-day change	1st Jan Change
91.11 ^USD	-0.04%		+2.29%	+23.07%

05-22	Loop Capital Initiates Bread Financial at Buy With $104 Price Target	MT
05-22	Bread Financial Holdings, Inc. Announces Retirement of Roger H. Ballou as Director from the Board	CI

Executive Committee: Bread Financial Holdings, Inc.

Manager

Positions heldSince

Ralph Andretta

65 year

Chief Executive Officer	02/02/2020
President	02/02/2020

Allegra Driscoll

47 year

Chief Tech/Sci/R&D Officer

22/01/2024

Brandy Sullivan

Human Resources Officer

31/05/2022

Tammy McConnaughey

52 year

Chief Operating Officer

31/05/1992

Brian Vereb

Investor Relations Contact

Joseph Motes

64 year

Chief Administrative Officer	04/06/2019
General Counsel	30/06/2015
Corporate Secretary	30/06/2015

Perry Beberman

60 year

Director of Finance/CFO

05/07/2021

J. Campbell

53 year

Comptroller/Controller/Auditor

07/11/2021

Composition of the Board of Directors: Bread Financial Holdings, Inc.

Director

CommitteesSince

John Gerspach

72 year

Audit Committee Chair

Sharen Turney

69 year

Governance Committee	31/07/2021
Nominating Committee	03/06/2019
Compensation Committee Chair	03/06/2019
HR Committee Chair	03/06/2019
Audit Committee
Finance Committee
Compensation Committee	31/07/2021
Governance Committee Chair	27/09/2021
Nominating Committee Chair	27/09/2021

Laurie Tucker

69 year

Compensation Committee	31/05/2025
HR Committee	30/04/2015
Governance Committee Chair	31/05/2015
Nominating Committee Chair	31/05/2015

John Fawcett

67 year

Audit Committee	13/05/2024
Governance Committee	13/05/2024
Nominating Committee	13/05/2024

Rajesh Natarajan

56 year

Governance Committee	09/06/2020
Nominating Committee	09/06/2020
Audit Committee	01/05/2022

Timothy Theriault

65 year

Audit Committee
Compensation Committee Chair
HR Committee Chair

Joyce St. Clair

67 year

Compensation Committee	09/07/2023
HR Committee	09/07/2023

Ralph Andretta

65 year

Director/Board Member

02/02/2020

Praniti Lakhwara

50 year

Director/Board Member	09/06/2024
Independent Dir/Board Member	09/06/2024

Latest Appointments: Bread Financial Holdings, Inc.

05-22	Bread Financial Holdings, Inc. Announces Retirement of Roger H. Ballou as Director from the Board	CI
11/06/24	Praniti Lakhwara Joins the Bread Financial Holdings, Inc.?s Board as an Independent Director	CI
15/05/24	Bread Financial Holdings, Inc. Elects John J. Fawcett as Director	CI
23/01/24	Bread Financial Appoints Allegra Driscoll as Chief Technology Officer	MT
23/01/24	Bread Financial? Announces Appointment of Allegra Driscoll as Executive Vice President and Chief Technology Officer	CI
24/08/23	Bread Financial Holdings, Inc. Appoints Joyce St. Clair as Independent Director, Member of the Board's Compensation Human Capital Committee and Risk Committee	CI
11/07/23	Bread Financial Holdings, Inc. Appoints Joyce St. Clair as Independent Director and Member of Risk Committee and Compensation & Human Capital Committee	CI

More news

Former Officers and Directors: Bread Financial Holdings, Inc.

Insider

Positions held

SinceUntil

Roger Ballou

Director/Board Member	31/01/2001	09/06/2020
Chairman	09/06/2020	18/05/2026
Independent Dir/Board Member	31/01/2001	18/05/2026

Karin Kimbrough

Director/Board Member	26/05/2021	15/05/2023
Independent Dir/Board Member	26/05/2021	15/05/2023

Laura Santillan

Comptroller/Controller/Auditor

25/02/2010

07/11/2021

John Chesnut

Treasurer

31/12/2014

01/11/2021

Cynthia Hageman

General Counsel	30/11/2019	31/10/2021
Corporate Secretary	30/11/2019	31/10/2021

Timothy King

Director of Finance/CFO

04/06/2019

12/04/2021

Robert Minicucci

Director/Board Member	31/07/1996	13/12/2009
Chairman	13/12/2009	08/06/2020
Independent Dir/Board Member	31/07/1996	08/06/2020

Bruce Anderson

Director/Board Member	31/07/1996	08/06/2020
Independent Dir/Board Member	31/07/1996	08/06/2020

Kenneth R. Jensen

Director/Board Member	31/01/2001	08/06/2020
Independent Dir/Board Member	31/01/2001	08/06/2020

Melisa A. Miller

Director/Board Member	04/06/2019	17/11/2019
Chief Executive Officer	04/06/2019	17/11/2019
Corporate Officer/Principal	24/11/2011	04/06/2019
President	04/06/2019	17/11/2019
Sales & Marketing	11/09/2011	24/11/2011

Kelly J. Barlow

Director/Board Member	31/05/2017	23/10/2019
Independent Dir/Board Member	31/05/2017	23/10/2019

Bryan Pearson

Corporate Officer/Principal

31/12/1998

08/08/2019

Bryan James Kennedy

Corporate Officer/Principal

30/06/2009

30/06/2019

Edward Heffernan

Director/Board Member	31/05/2009	04/06/2019
Chief Executive Officer	30/04/1998	04/06/2019
Public Communications Contact	24/06/2009	08/07/2011
President	30/04/1998	04/06/2019

D. Cobb

Director/Board Member	31/05/2004	05/06/2018
Independent Dir/Board Member	31/05/2004	05/06/2018

Andrew Frawley

Corporate Officer/Principal

31/12/2008

31/08/2016

Lawrence M. Benveniste

Director/Board Member	31/05/2004	02/06/2015
Independent Dir/Board Member	31/05/2004	02/06/2015

Elizabeth Knuppel

Corporate Officer/Principal

31/12/2009

31/12/2012

J. Michael Parks

Director/Board Member	13/12/2009	01/04/2010
Chairman	28/02/1997	13/12/2009

Michael D. Kubic

Comptroller/Controller/Auditor

18/02/2010

Karen Wald

Human Resources Officer	31/12/2009	-
Public Communications Contact	31/12/2009	-

Dwayne H. Tucker

Human Resources Officer	15/07/2009	29/09/2009
Corporate Officer/Principal	31/05/1999	15/07/2009

Jae Lynn Rangel

Human Resources Officer

05/10/2009

John W. Scullion

Chief Operating Officer	01/10/2006	28/02/2009
President	01/10/2006	28/02/2009

Ravi Bhaskaran

Director/Board Member

31/03/2007

30/01/2009

Richard T. Green

Corporate Officer/Principal

30/06/2008

Transient Taylor

Human Resources Officer

31/07/2005

31/12/2007

E. Linn Draper

Director/Board Member	31/01/2005	-
Independent Dir/Board Member	31/01/2005	-

Allan Steele

Corporate Officer/Principal

31/12/2004

Barry Carter

Chief Tech/Sci/R&D Officer

31/07/2004

Edward McCormick

Human Resources Officer

31/12/2003

Kenneth Wayne Murphy

Corporate Officer/Principal

31/12/2000

31/12/2002

Leigh Ann K. Epperson

General Counsel	24/01/2011	-
Corporate Secretary	24/01/2011	-

Alan M. Utay

Chief Administrative Officer	31/08/2001	-
Public Communications Contact	05/10/2009	29/04/2010
General Counsel	31/08/2001	24/01/2011
Sales & Marketing	05/10/2009	29/04/2010
Corporate Secretary	31/08/2001	24/01/2011

Richard E. Schumacher

Comptroller/Controller/Auditor

30/09/1999

Jeff Michel

Chief Operating Officer

31/12/1998

Dan Hickman

Corporate Officer/Principal

31/12/1996

31/12/1998

Ivan M. Szeftel

Corporate Officer/Principal

30/04/1998

Kellie Joan Watts

General Counsel

31/12/1997

Michael A. Beltz

Corporate Officer/Principal

30/04/1997

Robert P. Armiak

Treasurer

31/01/1996

Patrick Sullivan

Corporate Officer/Principal

Tony Egl

Corporate Officer/Principal

James Brown

Chief Tech/Sci/R&D Officer

Steven D. Dalrymple

Corporate Officer/Principal

Alyson Evans

Public Communications Contact

Scott Burba

Corporate Officer/Principal

Michelle Lewis

Corporate Officer/Principal

29/06/2009

Brian Gore

Treasurer

Tiffany Louder

Investor Relations Contact

Richard S. Paradise

Comptroller/Controller/Auditor

Jonathan Rather

Director/Board Member

Jackie Chabot

Corporate Officer/Principal

Michael Iaccarino

Sales & Marketing

Wes Horvath

Corporate Officer/Principal

Mark Stewart

Corporate Officer/Principal

18/10/2011

Sai Chintala

Corporate Officer/Principal

Dennis Kooker

Corporate Officer/Principal

Jay Jerrier

Corporate Officer/Principal

Michael Geihsler

Corporate Officer/Principal

Patrick M. Cummiskey

Sales & Marketing

Rajesh Ghai

Corporate Officer/Principal

Walter A. Roberts

Corporate Officer/Principal

Jeffrey D. Shorter

Corporate Officer/Principal

Todd Henry

Comptroller/Controller/Auditor	-	-
Director of Finance/CFO	-	-

Ted Sanft

Corporate Officer/Principal

Glenn F. Schmidt

Corporate Officer/Principal

Lee Slutz

Corporate Officer/Principal

Richard A. Herbst

Corporate Officer/Principal

Shelley Whiddon

Public Communications Contact

24/06/2009

Michael Wilson

Corporate Officer/Principal

Jack Sparn

Corporate Officer/Principal

Age distribution of managers

Parity Men Women

Male	11
Female	10

Of which Executive Committee

Male	5
Female	3

Of which Directors

Male	5
Female	4

Revisions

Recommandations analystes

Évolution recommandations analystes 1 an

Évolution recommandations analystes 4 mois

Objectif analystes

Évolution objectif analystes 1 an

Évolution objectif analystes 4 mois

ESG MSCI

Environnement

Social

Gouvernance

Polémique

Controverses Ethiques

Controverses sur les droits de l'Homme

Controverses Subventions fiscales

Conforme à la finance Islamique

Bread Financial Holdings, Inc. is a tech-forward financial services company which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of co-brand and private label credit card programs with retailers and other brand partners; direct-to-consumer (DTC); proprietary general purpose credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, underwriting, and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and others.

Employees

6,000

Sector

Consumer Lending

More about the company