Gretchen M. in

Gretchen M.

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Head of AI Governance and Risk Strategy at Bread Financial
📍 United States

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.

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Experience
11 Years
Current Role
Head of AI Governance and Risk Strategy
Job Level
Mid-senior
Location
United States
Personality Overview

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Priorities

Topics Gretchen cares 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.
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Career

Work history

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

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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Education
Bachelor of Science - BS
The University of Toledo
Master of Science - MS
University of Phoenix
Social presence
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Behavioral profile

DISC profile (public)

DISC behavioral profile

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