Ralph Andretta

Ralph Andretta

President and CEO

President and Chief Executive Officer Ralph Andretta joined Bread Financial in February 2020 and is responsible for the company’s growth, development and financial performance. With more than 30 years of experience driving positive results through a variety of macro-economic conditions, throughout his career, Ralph’s executive leadership approach has focused on empowering teams and leading organizations to deliver strong, sustainable growth.

Ralph successfully led Bread Financial through a multi-year business transformation, solidifying its position as a leading tech-forward financial services company. During this time he streamlined the company’s business model and oversaw a number of large-scale initiatives that included rebranding the business, modernizing its technology, acquiring a fintech and expanding its product offerings. In addition to championing the company’s brand promise of empowering customers and leading with transparent communication and empathy, Ralph has also fostered an award-winning culture focused on excellence, corporate responsibility, and diversity, equity and inclusion.

Prior to joining Bread Financial, Ralph held positions in charge of loyalty, co-brand and product development at Citi, most recently as Managing Director and Head of U.S. Cards, where he oversaw significant client partnerships and product launches. His experience also includes having served as Global Affinity Products and International Card Executive with Bank of America, after spending 18 years with American Express in a number of operational and financial positions, both domestically and internationally.

Ralph is an executive committee member of the American Banker Association’s Card Policy Council and the Columbus Partnership. In the community, he is passionate about the advancement and support of women, children and veterans, serving on the board of trustees at the Women’s Sports Foundation (WSF) and on the board of directors at Nationwide Children’s Hospital and The Bob Woodruff Foundation. Ralph earned a bachelor’s degree in accounting and finance from Siena College. Outside of the office, he enjoys golf and tennis, and spending time with his wife and their two daughters.