# Ralph Andretta

> Ralph J. Andretta is the Columbus-based president and CEO of Bread Financial. A former American Express, Bank of America and Citi executive, he joined Alliance Data in February 2020 and led a transformation involving the Bread acquisition, the LoyaltyOne spinoff, technology modernization and the 2022 Bread Financial rebrand. His public leadership stories emphasize detailed execution, respect for every job and lessons from mentors Al Kelly and Jud Linville.

- **Role:** President and CEO at Bread Financial
- **Organizations:** Bread Financial, Citi, Bank of America, American Express, Women's Sports Foundation, Bob Woodruff Foundation, Columbus Partnership
- **Education:** Bachelor’s degree in accounting and finance, Siena College
- **Known for:** Led the acquisition-led expansion into installment and buy now, pay later products., Oversaw the 2022 Bread Financial rebrand and a more concentrated payments, lending and savings business., Led modernization of the company’s technology and expansion of its product offerings.

## Career timeline

- **Before 2010** — Spent 18 years at American Express in operational and financial roles, including international assignments.
- **2007** — Presented the Membership Rewards business at American Express’s February 7 financial community meeting.
- **2010-2011** — Global affinity and international card executive at Bank of America.
- **2011-2019** — Served in Citi leadership, including managing director and head of U.S. Cards; earlier responsibilities included loyalty, co-brand and product development.
- **2020-02** — Became president, CEO and a director of Alliance Data, effective February 3.
- **2020** — Led Alliance Data as it acquired digital payments business Bread.
- **2021-11** — Led Alliance Data when the LoyaltyOne spinoff was completed.
- **2022-03** — Alliance Data rebranded as Bread Financial.
- **2023-01** — Joined the Women’s Sports Foundation board of trustees.
- **2024-04** — Joined the Bob Woodruff Foundation board of directors.

## Achievements

- Led the acquisition-led expansion into installment and buy now, pay later products.
- Oversaw the 2022 Bread Financial rebrand and a more concentrated payments, lending and savings business.
- Led modernization of the company’s technology and expansion of its product offerings.

## Latest updates

- **2026-10** — Bread Financial’s October 22 third-quarter release reported average loans of $18.6 billion, consumer deposits of $9.9 billion and net income of $156 million.
- **2026-05** — Joined Bread Financial’s NYSE anniversary celebration marking 30 years as a company and 25 years trading on the exchange; retiring chair Roger Ballou rang the closing bell.
- **2026-01** — Discussed lessons from the CEO role in an interview published January 16, including the importance of small decisions and accountability.
- **2026-01** — The Sixth Circuit affirmed dismissal of investors’ securities-fraud complaint concerning Loyalty Ventures, against defendants including Andretta; the court found the complaint insufficient.

## Links

- Website: https://www.breadfinancial.com/
- LinkedIn: https://www.linkedin.com/in/ralph-andretta

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Profile page: https://yespress.io/ralph-andretta
Published by YesPress — https://yespress.io
Last updated: 2026-10-24