Bread Financial Executive and Leadership Team

Ralph Andretta, the President & Chief Executive Officer at Bread Financial, directs the overarching corporate strategy and long-term vision for the organization. Overseeing the integration of private-label credit card programs and digital lending tools, the President & Chief Executive Officer ensures alignment between technological capabilities and consumer financial needs. This leadership role involves constant engagement with the Board to drive sustainable growth and market expansion. By prioritizing personalized, digitally enabled experiences, Ralph Andretta shapes the company's competitive position within the broader financial services sector. Andretta maintains a focus on operational excellence, ensuring that all lending and saving solutions remain accessible and efficient for brand partners. Through this strategic direction, the company continues to evolve its product suite to meet changing market demands while maintaining a robust, tech-forward foundation for future development.

Perry Beberman, the Executive VP & Chief Financial Officer at Bread Financial, directs the company's financial planning, capital allocation, and fiscal reporting. Overseeing the economic health of the organization, the Executive VP & Chief Financial Officer ensures that investments in digital lending and payment technologies yield sustainable returns. This role involves managing relationships with investors and maintaining rigorous standards for financial transparency. Perry Beberman evaluates the profitability of various credit card programs and personal lending products to optimize the company's market position. By providing strategic financial insights, Beberman supports the leadership team in making data-driven decisions regarding expansion and product development. The Executive VP & Chief Financial Officer maintains a focus on long-term financial stability, ensuring that the company possesses the necessary resources to continue delivering innovative financial solutions to consumers and brand partners alike.

Baron Schlachter, the President, Comenity Bank at Bread Financial, directs the banking operations and credit card program management for the organization. Overseeing the delivery of private-label and co-brand credit card solutions, the President, Comenity Bank ensures that these products meet the needs of brand partners and consumers. This role involves managing the bank's regulatory compliance and operational performance to support the company's broader financial services mission. Baron Schlachter coordinates with other executive leaders to integrate banking capabilities with digital lending and payment platforms. By focusing on the efficiency and reliability of banking services, Schlachter strengthens the company's ability to provide personalized financial experiences. The President, Comenity Bank maintains a focus on operational scale, ensuring that the bank's infrastructure supports the company's growth objectives while maintaining high standards for service delivery and consumer protection.

Bryan Pearson, the Executive Vice President & President, Loyaltyone at Bread Financial, directs the strategy and operations of the loyalty division. Overseeing the development of programs that enhance consumer engagement, the Executive Vice President & President, Loyaltyone ensures that these initiatives complement the company's core lending and payment solutions. This role involves leveraging data-driven insights to create personalized experiences that drive brand loyalty and long-term value. Bryan Pearson coordinates with other business units to integrate loyalty features into the company's broader financial ecosystem. By focusing on the intersection of consumer behavior and financial services, Pearson strengthens the company's competitive advantage. The Executive Vice President & President, Loyaltyone maintains a focus on market expansion, ensuring that loyalty programs remain a key differentiator for brand partners seeking to deepen their relationships with consumers through innovative financial tools.

Bruce Bowman, the President, Comenity Capital Bank at Bread Financial, directs the specialized banking operations and lending product management for the organization. Overseeing the development and execution of personal lending products and flexible payment plans, the President, Comenity Capital Bank ensures that these services remain accessible and competitive. This role involves managing the bank's capital structure and risk profile to support the company's broader financial services objectives. Bruce Bowman coordinates with other business units to integrate lending capabilities into the company's digital platforms. By focusing on the performance and scalability of lending products, Bowman strengthens the company's ability to provide personalized financial flexibility to consumers. The President, Comenity Capital Bank maintains a focus on operational excellence, ensuring that the bank's services remain reliable and effective for all brand partners and end-users across the company's market reach.

Jenny Cloud, the Chief of Staff at Bread Financial, manages high-level operational workflows and facilitates communication across the executive leadership team. Coordinating cross-functional initiatives, the Chief of Staff ensures that strategic priorities receive consistent attention and resources. This role involves streamlining internal processes to support the delivery of payment and lending solutions. By optimizing executive decision-making cycles, Jenny Cloud enhances organizational agility and responsiveness to market shifts. Cloud monitors the execution of key business objectives, ensuring that departmental efforts remain synchronized with the broader corporate mission. Through rigorous oversight of administrative functions, the Chief of Staff enables the leadership team to focus on scaling digital saving tools and credit card programs. This position remains vital for maintaining operational cohesion and driving efficiency throughout the company's diverse financial service offerings.

Sarah Gaver, the Senior Director, Chief of Staff at Bread Financial, architects internal frameworks that support the company's expansive portfolio of financial products. Focusing on the operational infrastructure behind buy now pay later options and flexible payment plans, the Senior Director, Chief of Staff aligns departmental goals with the company's commitment to simplicity. This role involves managing complex projects that bridge the gap between technical development and consumer-facing service delivery. Sarah Gaver facilitates collaboration among senior leaders to ensure that strategic initiatives receive the necessary support for successful implementation. By refining internal communication channels and project management standards, Gaver improves the speed at which new lending products reach the market. The Senior Director, Chief of Staff maintains a focus on operational scalability, ensuring that the company's digital platforms remain reliable and effective for all brand partners.

Amy Greene, the Director, Chief of Staff for People and Culture at Bread Financial, drives initiatives centered on organizational development and talent alignment. Overseeing the integration of corporate values into daily operations, the Director, Chief of Staff for People and Culture ensures that the workforce remains equipped to support the company's tech-forward financial services. This role involves fostering a culture of innovation that directly impacts the quality of consumer-facing lending and saving tools. Amy Greene coordinates with leadership to implement programs that enhance employee engagement and professional growth. By aligning human capital strategies with the company's broader business objectives, Greene strengthens the organization's ability to deliver personalized financial experiences. The Director, Chief of Staff for People and Culture maintains a focus on building a resilient, high-performing team capable of navigating the complexities of the modern financial services industry.

Barbara Kempton, the Legal Chief of Staff at Bread Financial, manages the operational aspects of the legal department and ensures compliance across all financial service offerings. Overseeing the intersection of regulatory requirements and product innovation, the Legal Chief of Staff facilitates the development of secure, compliant lending and payment solutions. This role involves coordinating legal resources to support the company's diverse portfolio of credit card programs and digital saving tools. Barbara Kempton streamlines internal legal processes to enable faster product launches while mitigating risk. By aligning legal strategy with the company's business goals, Kempton ensures that all consumer-facing experiences remain both innovative and legally sound. The Legal Chief of Staff maintains a focus on regulatory excellence, providing the necessary oversight to protect the company's reputation and support its commitment to reliable, accessible financial services.

Joseph Motes, the Executive Vice President & Chief Administrative Officer, General Counsel & Secretary at Bread Financial, directs the company's administrative functions, legal strategy, and corporate governance. Overseeing the legal framework that supports all lending and payment products, the Executive Vice President & Chief Administrative Officer, General Counsel & Secretary ensures that the organization operates within the highest standards of compliance and integrity. This role involves managing corporate records and facilitating board-level communications. Joseph Motes coordinates with other executives to align administrative processes with the company's strategic goals. By providing legal and operational oversight, Motes enables the company to pursue innovative financial solutions with confidence. The Executive Vice President & Chief Administrative Officer, General Counsel & Secretary maintains a focus on organizational stability, ensuring that the company's governance structures support its mission to provide accessible and reliable financial services.