Sector: Financials
Director information for BREAD FINANCIAL HOLDINGS INC (data for year 2026)
| Name | Position | Age | Qualifications and Experience | Committee Memberships | Filing Year |
|---|---|---|---|---|---|
| John C. Gerspach, Jr. | Former CFO of Citigroup, Inc.; Chair; Director | 72 | ["Independent","Financially Literate","Self-employed consultant since March 2022","Chief Financial Officer of Citigroup, Inc. from 2009 to 2019","Employed by Citigroup, Inc. in various capacities since 1990","Chief Financial Officer of Penn Central Industries Group from 1986 to 1990","Comptroller of the Defense Contracting Group at ITT Corporation from 1980 to 1986","Various roles with Arthur Andersen & Company","Member of the Financial Accounting Standards Advisory Council (FASAC) from 2010 to 2013","Bachelor’s degree in accountancy from the University of Notre Dame","Certified Public Accountant in the State of New York from 1977 to 2019"] | ["N&CG","Audit Committee","Audit","Compensation & HC","Audit (Chair)","Risk & Technology"] | 2026 |
| John J. Fawcett | Former EVP and ChiefFinancial Officer of CIT Group Inc.; Chair; Former Executive Vice President and Chief Financial Officer of CIT Group Inc. | 67 | ["Independent","Financially Literate","Executive Vice President and Chief Financial Officer of CIT Group Inc. from April 2017 until its acquisition by First Citizens BancShares in January 2022","Interim Chief Financial Officer of Citizens Financial Group, Inc. from December 2016 to March 2017","Director of Rabobank (Utrecht-Americas Holding Company) from 2016 to 2017, where he served as the Chair of the Audit Committee","Executive Vice President and Chief Financial Officer of Royal Bank of Scotland (RBS) Americas and Citizens Financial Group from January 2008 to April 2015","Senior financial leadership positions with increasing responsibility at Citigroup Inc. from 1987 to 2007","KPMG senior audit manager from 1980 to 1987, specializing in banking and financial services audit engagement","Bachelor’s degree in accounting and MBA from St. John’s University"] | ["Audit","N&CG","Audit Committee","Compensation & HC","Nominating & Corporate Governance"] | 2026 |
| Joyce St. Clair | Former EVP and Chief Human Resources Officer of Northern Trust Corporation; Former Executive Vice President and Chief Human Resources Officer of Northern Trust Corporation | 67 | ["Executive Vice President and Chief Human Resources Officer of Northern Trust Corporation from July 2018 until her retirement in April 2022","Served in senior leadership positions with increasing responsibility at Northern Trust Corporation since joining the firm in 1992","Associate partner for Accenture prior to joining Northern Trust Corporation","Appointed by President Obama to serve as a member of the advisory committee of the Pension Benefit Guaranty Corporation (PBGC) from 2016 until her term expired in 2019","Bachelor’s degree from Indiana University, Kelley School of Business","MBA from the Booth School of Business at the University of Chicago"] | ["Audit","Compensation& HC","N&CG","Risk &Technology","Compensation & Human Capital","Risk & Technology"] | 2026 |
| Laurie A. Tucker | Founder and Chief Strategy Officer of Calade Partners LLC; Chair | 69 | ["Founder and Chief Strategy Officer for marketing consultancy firm, Calade Partners LLC since January 2014","Senior Vice President-Corporate Marketing of FedEx Services, Inc. from 2000 to 2013","Employed by FedEx in various capacities since 1978","Bachelor’s degree and an MBA from the University of Memphis","Financial and compensation expertise","Global operations experience","Strong leadership skills developed as a public company Board member"] | ["Compensation& HC","Compensation & HC","N&CG","Compensation & Human Capital","Nominating & Corporate Governance"] | 2026 |
| Perry S. Beberman | EXECUTIVE VICE PRESIDENT | CHIEF FINANCIAL OFFICER | 60 | ["Joined Bread Financial as Executive Vice President and Chief Financial Officer in July 2021","Served in various leadership roles at Bank of America from 2005 to June 2021","Senior Vice President and Finance Executive of Bank of America’s consumer and wealth management lending products","Director of Reach Riverside Corp.","Has a Bachelor’s degree in business administration and an MBA from the University of Delaware"] | ["Finance Committee","Governance Committee","Advisory Committee"] | 2026 |
| Praniti Lakhwara | CHIEF INFORMATION OFFICER OF ZSCALER, INC. | 50 | ["Chief Information Officer of Zscaler, Inc.","Senior Vice President of Information Technology and Applications at Zscaler from May 2021 to March 2022","Chief Information Officer and Data Privacy Officer at Conga Inc. from May 2017 to May 2021","Vice President, Information Technology of Nimble Storage from 2015 to 2017","Senior Director, Applications and Integration at Guideware Software, Inc. from 2013 to 2015","Various technology roles at Align Technology, Inc. from 2001 to 2013","Bachelor’s degree in aeronautical engineering from Arizona State University"] | ["N&CG","Risk &Technology","Risk & Technology"] | 2026 |
| Rajesh Natarajan | Chief Product and Strategy Officer of Globalization Partners; Chief Operating Officer of Globalization Partners | 56 | ["Chief Operating Officer of Globalization Partners since March 2022","Executive Vice President of Products and Engineering of RingCentral, Inc. from December 2020 to December 2021","Executive Vice President and Chief Product and Technology Officer of Ancestry.com from February 2017 to November 2020","Served in senior leadership positions with increasing responsibility in the areas of technology and product development at Intuit, Inc. from 2014 to 2017","Served in senior leadership positions with increasing responsibility in the areas of technology and product development at PayPal Holdings, Inc. from 2006 to 2014","Served in various management positions with increasing responsibility in the area of technology from 1995 to 2006 with Sabre Holdings Corporation","Bachelor’s degree in mechanical engineering from Jawaharlal Nehru Technology University in India","Master’s degree in industrial engineering from Clemson University","Expertise in information technology, cybersecurity, engineering, operations and product development"] | ["Risk &Technology","Audit","Compensation & HC","Nominating & Corporate Governance","Risk & Technology","Cybersecurity and Technology Committee","Audit and Risk Committee"] | 2026 |
| Ralph J. Andretta | President and CEO, Bread Financial Holdings, Inc.; PRESIDENT | CEO, BREAD FINANCIAL | 65 | ["President and Chief Executive Officer of Bread Financial since February 2020","Managing Director and Head of US Cards for Citigroup from 2011 to November 2019","Global affinity and international card executive at Bank of America from 2010 to 2011","18 years with American Express prior to 2010","Member of Nationwide Children’s Hospital Board of Trustees from 2020 to present","Member of Women’s Sports Foundation Board of Trustees from January 2023 to present","Member of the Bob Woodruff Foundation Board of Directors from April 2024 to present","Bachelor’s degree in accounting and finance from Siena College","Expertise in banking and financial services, data and loyalty/marketing industries"] | [] | 2026 |
| Roger H. Ballou | Board Member | ["25 years as a board member","leadership in increasing stockholder value","commitment to sustainable growth and excellence in execution","Independent","Financially Literate"] | ["Audit Committee"] | 2026 | |
| Sharen J. Turney | Former CEO of Victoria’s Secret; Chair | 69 | ["Chief Executive Officer of Russia-based jeans brand Gloria Jeans from November 2018 until November 2019","Director of Sweden-based designer sock and underwear brand Happy Socks AB from January 2018 until November 2019","President and Chief Executive Officer of Victoria’s Secret from July 2006 until February 2016","President and Chief Executive Officer of Victoria’s Secret Direct from May 2000 until July 2006","Served for 10 years in various executive roles including President and Chief Executive Officer of Neiman Marcus Direct","Served as an advisor to several retailers and technology companies","Director of FULLBEAUTY Brands from July 2016 to September 2018","Director of Nationwide Children’s Hospital, Inc. from 2012 to 2018","Formerly served on the Baker Retailing Center Industry Advisory Board at Wharton School at the University of Pennsylvania","Director of the University of Oklahoma Foundation, where she serves as the Chair of the Audit Committee and a member of the Investment Committee","Bachelor’s degree from the University of Oklahoma","Executive and/or Board-level experience in the retail industry","Loyalty, marketing and digital/e-commerce expertise","Global operations experience","Financial expertise and executive leadership at companies operating in industries relevant to our business","Expertise in retail and digital/e-commerce marketing experience"] | ["Risk &Technology","Audit","Compensation & HC","Compensation & Human Capital (Chair)","Nominating & Corporate Governance"] | 2026 |
| Timothy J. Theriault | Former EVP, Global CIO and Advisor to CEO of Walgreens Boots Alliance, Inc.; Chair; Director | 65 | ["Independent","Financially Literate","Advisor to the Chief Executive Officer of Walgreens Boots Alliance, Inc. from June 2015 until November 2016","Executive Vice President and Global Chief Information Officer of Walgreens Boots Alliance, Inc. from July 2014 to June 2015","Served in senior leadership positions with increasing responsibility at Walgreen Co. from October 2009 to July 2014","Served in various executive and management positions with increasing responsibility in the area of information technology with Northern Trust Corporation from May 1991 to October 2009 and July 1982 to October 1989","Director of End User Computing and Advanced Technologies for S. C. Johnson & Son, Inc., from October 1989 to May 1991","Current Director and a member of the Financial & Investment Committee and Compliance Committee of Wellmark Blue Cross and Blue Shield","Former lead Director of the Depository Trust Clearing Corporation","Bachelor’s degree from Illinois State University","Completed the Harvard Business School advanced management program"] | ["Audit","Compensation& HC","Audit Committee","Compensation & HC","Audit Risk & Technology (Chair)","Financial & Investment Committee","Compliance Committee"] | 2026 |
| Valerie E. Greer | EXECUTIVE VICE PRESIDENT | CHIEF COMMERCIAL OFFICER | 61 | ["Executive Vice President and Chief Commercial Officer at Bread Financial","Led the U.S. cards co-brand business at Citigroup","General Manager, Partnerships for JPMorgan Chase","Senior leadership positions at HSBC including Executive Director of private label business","Director of Ruling Our eXperiences, Inc."] | ["Development Committee"] | 2026 |
