Ralph Andretta

Ralph Andretta

President and CEO

Ralph Andretta joined Bread Financial in February 2020 and is responsible for the Company’s growth, development and financial performance. With more than 25 years of experience at leading US financial services companies, Ralph has a strong record of growing credit card, loyalty, and affinity products and relationships, driving operational efficiencies and superior financial performance on a consistent basis.

Prior to joining Bread Financial, Ralph was Managing Director and Head of US Cards for Citi, where he managed significant client partnerships and launched a number of new products over his tenure. He also held positions in charge of loyalty, co-brand and product development while at Citi. 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. In the community, Ralph sits on the board of trustees at Nationwide Children’s Hospital and at Women’s Sports Foundation, while also supporting other causes related to children and hunger, such as The Boys & Girls Club of America. Ralph earned a bachelor’s degree in accounting and finance from Siena College. Outside of the office, Ralph enjoys golf and tennis, and spending time with his wife and their two daughters.