Gretchen M.

Questioner
DISC Type : c

Head of AI Governance and Risk Strategy at Bread Financial

United States

Overview

Gretchen M. leads AI risk and governance at Bread Financial, designing oversight frameworks for safe, scalable AI adoption. Her expertise spans cybersecurity, technology risk, and regulatory alignment, and she is a certified ISO/IEC 42001: 2023 Lead Auditor. She focuses on building programs that accelerate, rather than restrict, responsible AI deployment.

Outside of her formal role, Gretchen is committed to continuous learning to keep pace with the rapid evolution of AI, engaging in "off-grid reading. " She values balance, as shown by her mention of taking a "digital detox, " and actively engages with thought leadership on topics like algorithmic trust and AI explainability.

She humorously referenced the movie "The Matrix, " wishing for its plug-and-play learning to absorb the breathtaking speed at which AI capabilities are growing.

Personality Overview

Cautious & Analytical

Not Easily Convinced

Price-Sensitive

While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters.  They prefer to fully evaluate every situation. They generally do not appreciate an overfriendly approach and prefer to stay to-the-point.

Topics They Care About

AI Governance
Her entire career focus is on designing and operationalizing enterprise-level AI governance frameworks for safe and scalable adoption.
Algorithmic Trust
She highlights this as a "significant shift" from data security, requiring a fundamentally new approach to governance, risk, and compliance.
AI Explainability
Considers agentic explainability and interpretability a "must read" and a "very timely and vital topic" for professionals in AI risk.

Media Appearances

Gretchen M. – Head of AI Governance and Risk Strategy, Bread Financial (Speaker Profile). Featured in Harry Walker Agency

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The Impact of AI in FinTech – The SCORE Podcast (Guest: Gretchen M., Bread Financial). Featured in YouTube

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Work History

4-2025
Head of AI Governance and Risk Strategy at Bread Financial
4-2024 - 4-2025
Vice President - IT Risk - AI/ML and Data Analytics at Huntington National Bank
4-2022 - 4-2024
Tech/Cyber Risk & AI Governance at Voya Financial
3-2014 - 5-2022
Vice President, Cybersecurity & Technology Controls at JPMorgan Chase & Co.

Education

Bachelor of Science - BS from The University of Toledo
Master of Science - MS from University of Phoenix

More Information

Social Presence :

Prographics :

Exp : 11 Location : United States Job Level : Mid-senior Designation : Head of AI Governance and Risk Strategy at Bread Financial
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Insights For Selling To Gretchen

During A Call Or A Meeting

DO's

  • If you have a lower priced product compared to the competition, call out the same
  • Keep some extra margin in hand as they will likely negotiate the pricing
  • Share as much information as possible regarding your product

DONT's

  • Don’t overhype the product/pitch, keep it measured
  • Avoid phrases like ‘do not worry about’, ‘no one compares to’ etc.
  • Don’t try to be too friendly or informal with them

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Gretchen is

  • Ensuring that the product delivers ROI, cost-effective pricing and process compliance are very important for them.
  • Will you ever get a clear answer from Gretchen

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Gretchen move?

  • If they have the information that they need, they can move fast at making their decisions.
  • Can Gretchen take some risk or not?

  • If they believe that they have analyzed the situation well, they can take a little risk.

You And Gretchen

Personality Compatibility


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