Credit Dispute Specialist

The Role:

As a Credit Dispute Specialist, you will be responsible for researching, investigating and resolving consumer credit dispute cases received directly and indirectly (e-OSCAR / Case Central) by reviewing internal account records and comparing them against the Metro 2 to ensure what was reported to the Credit Reporting Agencies is accurate according to the FCRA and internal policies. The role will also be responsible for reviewing and completing other e-Oscar-related tasks such as Block Notifications, AUDs, and drafting responses to direct disputes according to the approved dispute response templates.  This role works with resources across the company - legal, compliance, Fraud, Operations, etc. - to gather information and gain guidance on dispute resolution.  The ability to work within multiple platforms and services to obtain information is critical to the success of this role.

In addition to case management and resolution, you will be responsible for continuously improving credit bureau disputes policies, processes and procedures.  Continuous regulatory  learning and training is critical to maintain skills and knowledge needed to ensure cases are closed with accurate and complete information.

What You’ll Do: 

• Investigate and respond to direct and indirect (e-OSCAR / Case Central) disputes including Fraud, Bankruptcy, etc. according to department procedures and by department deadline Learn multiple account and customer platforms and maintain working knowledge of data sources in order to gather information to drive case resolution

• Retain evidence of the credit bureau dispute investigation, as required by FCRA

• Assist with Analysis of portfolio reporting data and identify inconsistencies with Credit Bureau Reporting Policies

• Explore process enhancements to improve efficiency and for continued monitoring of existing processes

• Accurately input data into the company system without errors

• Ability to recognize potential problems that require escalation and partner with the appropriate stakeholders to find a solution to the problem

• Ensure appropriate application and distribution of sensitive data or images

• Learn how to read and critically analyze credit bureau reports

• Work independently and as part of a team on ad hoc tasks

What You’ll Need:

• High school diploma or General Education Degree (GED) College diploma preferred

• 2+ years of experience in the financial industry

• Familiarity with FCRA rules and regulations/Previous experience working in a regulatory role is a plus

• High attention to detail, with a high level of ethics and integrity

• Possess strong problem solving and critical thinking skills.

• Possess knowledge of credit reporting responsibilities as defined by the Fair Credit Reporting Act.

• Ability to work independently and on a team

• Proficient in MS Office (Proficiency in Excel required)

• The ability to handle confidential or sensitive information with discretion