Credit Bureau Disputes Specialist

Job Description:

• Research direct and indirect credit bureau disputes
• Respond to customers and credit reporting agencies to resolve discrepancies and ensure timely follow-up
• Use third-party data sources, internal systems, and tools to research and analyze information for accurate credit reporting
• Research and respond to disputes received by mail or email
• Use e-OSCAR to respond to indirect disputes through Automated Consumer Dispute Verification (ACDV)
• Research and act on feedback from credit bureaus, internal reporting, and third parties
• Correct inaccurate account information provided to credit reporting agencies and document resolutions using internal systems and e-OSCAR
• Maintain understanding of internal credit-related policies, procedures, federal regulations, and credit industry standards
• Support organizational goals, service and quality targets, and positive change
• Engage internal and external partners to obtain pertinent account information
• Identify and address process improvements based on daily observations and activities
• Respond to inquiries and assist in resolving problems and complaints
• Escalate complex or unusual issues to lead or supervisory staff
• Promote a positive team environment through professional and respectful behavior
• Perform additional duties as assigned by management

Requirements:

• Associate's Degree or equivalent work experience
• 3+ years in Financial Services
• Superior analytical, problem solving, and decision-making skills
• Excellent verbal, written, and interpersonal communication skills
• Ability to work well in a team environment
• Exceptional attention to detail and accuracy
• Ability to use or learn current technology and software applications related to the position
• Dedicated, self-directed, and reliable
• Knowledge of state and federal laws and agencies applicable to collections, including the Fair Credit Reporting Act (FCRA) and the Dodd-Frank Act
• Knowledge of Microsoft Excel and basic computer skills
• 40+ WPM and use of a 10-Key pad
• Ability to work weekdays and weekend/overtime if required to ensure adherence to SLAs
• Experience researching, investigating, and resolving credit bureau disputes related to retail credit card accounts (preferred)
• FCRA knowledge (preferred)
• Ability to handle sensitive consumer information, raw PII, and customer account information
• Ability to work within a corporate environment and adhere to schedule and punctuality requirements
• Ability to maintain confidentiality of company operations, portfolio, customer information, and computer technology

Benefits:

• Health and well-being benefits
• Savings and retirement programs
• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
• Banking benefits and discounts
• Career development opportunities
• Regular career, development, and performance conversations
• Online learning platform
• Mentoring programs
• Training and onboarding sessions
• Variable compensation/incentive awards, including eligibility for cash and/or equity incentive awards
• Reward and recognition
• Flexible work arrangement indicated by remote work designation