Tammy McConnaughey

Tammy McConnaughey, Executive VP, Operations and Credit Risk

Tammy joined Bread Financial in June 1992 and has held various senior leadership positions in collections, customer care, and credit risk during her nearly 30-year tenure at Bread Financial Card Services. Tammy currently leads credit management strategy, credit risk, and the servicing and fraud protection of Bread Financial’s customers and brand partners. She uses her operational expertise to lead thousands of customer care associates across the globe who serve Bread Financial’s credit customers, while also overseeing strategic initiatives around credit risk, business analysis and profitability.

Tammy was a participant in Bread Financial’s Executive Leadership Program through The Ohio State University’s Fisher College of Business. Tammy has been a long-time champion of eradicating food insecurity and supporting local food bank initiatives across the communities where Bread Financial associates live and work. She currently serves on the board of trustees at the Mid-Ohio Food Collective. Away from the office, Tammy enjoys being outdoors and spending time with her husband and three sons.