It usually settles, but there are two causes worth separating because only one of them goes away.
If it is a low frequency howl that changes with speed and is worse when damp, that is normally bedding-in not being finished. Twenty stops from 25 km/h is fewer than most people think. I do about thirty stops from a higher speed, never coming to a complete stop, with cooling time between sets. Give it two more rides.
If it is a constant loud squeal from cold that never varies, suspect contamination. Chain lube overspray, a fingerprint, any oil at all is enough. Clean the rotor with isopropyl and a clean rag, then sand the pad faces lightly on flat coarse paper. If the pads actually soaked up brake fluid or lube they are finished and no cleaning brings them back.
Also check caliper alignment. A slightly skewed caliper makes an intermittent honk that people spend weeks blaming on pads: loosen the two mounting bolts, hold the lever hard, tighten alternately.