---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-23-034016"
form_type: "8-K"
ticker: "BFH"
cik: "0001101215"
company_name: "BREAD FINANCIAL HOLDINGS, INC."
filed_at: "2023-07-11T23:59:59+00:00"
generated_at: "2026-06-13T09:47:02.073521+00:00"
event_type: "leadership"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Joyce St. Clair appointed to Bread Financial board as independent director

## Summary
- Appointed effective July 10, 2023; board expands to 8 directors.
- Will serve on Compensation & Human Capital and Risk committees.
- Retired from Northern Trust in 2022 as EVP/CHRO; also held Chief Risk Officer role.
- Board determined independence under NYSE rules; compensation per standard non-employee director plan.

## SEC filing metadata
- accession: 0001140361-23-034016
- form_type: 8-K
- ticker: BFH
- cik: 0001101215
- company_name: BREAD FINANCIAL HOLDINGS, INC.
- filed_at: 2023-07-11T23:59:59+00:00
- event_type: leadership
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 5.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1101215/000114036123034016/0001140361-23-034016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000114036123034016/brhc20055762_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-23-034016
- JSON: https://secwatch.observer/filing/0001140361-23-034016.json
- Plain text: https://secwatch.observer/filing/0001140361-23-034016.txt

## Key facts
- Executive change
  Joyce St. Clair was appointed as director at BREAD FINANCIAL HOLDINGS, INC..
  - Action: appointed
  - Role: director
  source text: On July 10, 2023, the Board of Directors (the “ Board ”) of Bread Financial Holdings, Inc. (the “ Company ”) voted to expand the size of the Board to eight directors and appointed Joyce St. Clair as a director and member of each of the Risk Committee and the Compensation & Human Capital Committee, all effective as of July 10, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1101215/000114036123034016/0001140361-23-034016-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.