Bread Culture Company

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 U.S. 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 U.S. 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, 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.

Ada Vaughan serves as the Executive Director, Europe of Bread. Ada started at Bread in January of 2018. Ada is currently based in the Greater Chicago Area.

Bob Lehto serves as the VP of HR of Bread. Bob started at Bread in April of 2018. Bob is currently based in the San Francisco Bay Area.

Adam Zadikoff serves as the VP, Engineering of Bread. Adam started at Bread in November of 2017. Adam is currently based in the Greater Chicago Area.

Samuel Sutch serves as the CTO of Bread. Samuel started at Bread in September of 2015. Samuel is currently based in the Bend, Oregon Area.

Aaron Lasher serves as the Chief Strategy Officer of Bread. Aaron started at Bread in July of 2018. Aaron is currently based in the Miami/Fort Lauderdale Area.

Spencer Chen serves as the Vice President of Global Marketing of Bread. Spencer started at Bread in March of 2018. Spencer is currently based in the San Francisco Bay Area.

James MacWhyte serves as the Chief Product Officer of Bread. James started at Bread in September of 2015. James is currently based in the San Francisco Bay Area.