Disputes Specialist

About the position The Credit Bureau Dispute Specialist researches direct and indirect credit bureau disputes; responds to customers and credit reporting agencies to ensure discrepancies are resolved and timely follow up occurs. Depth & Scope: · Handles sensitive consumer information (credit bureau data, raw PII, customer account information) · Utilizes third party data sources, internal systems and tools to research and analyze information to ensure accuracy of credit reporting · Researches and responds to disputes received directly by mail or email · Utilizes e-Oscar to quickly respond to indirect disputes in the way of Automated Consumer Dispute Verification (ACDV) · Researches and actions feedback from the credit bureaus, internal reporting, and third parties to ensure accurate reporting · Corrects inaccurate account information provided to CRAs and documents the resolution using internal systems and e-OSCAR · Maintains a clear understanding of current internal credit-related policies and procedures, as well as all applicable federal regulations and credit industry standards · Adapts to and endorses change and serves as an agent of positive change to support goals and direction · Demonstrates a strong commitment to meet or exceed external and internal expectations, service, and quality goals · Able to work within a corporate environment understanding its structure and adhering to schedule and punctuality requirements · Responsible for ensuring confidentiality of all aspects of the company’s operations, portfolio, customer information and computer technology · Must be able to work weekdays and weekend/overtime if required to ensure adherence to SLAs · Engages internal/external partners to obtain pertinent account information · Identifies and addresses process improvements based on day to-day observations and activities · Responds to inquiries and assists in resolving problems/complaints · Promotes a positive team environment by demonstrating professional behavior and respect for others · Escalates more complex or unusual issues to lead or supervisory staff Responsibilities • Researches direct and indirect credit bureau disputes • Responds to customers and credit reporting agencies to ensure discrepancies are resolved • Timely follow up occurs • Handles sensitive consumer information (credit bureau data, raw PII, customer account information) • Utilizes third party data sources, internal systems and tools to research and analyze information to ensure accuracy of credit reporting • Researches and responds to disputes received directly by mail or email • Utilizes e-Oscar to quickly respond to indirect disputes in the way of Automated Consumer Dispute Verification (ACDV) • Researches and actions feedback from the credit bureaus, internal reporting, and third parties to ensure accurate reporting • Corrects inaccurate account information provided to CRAs and documents the resolution using internal systems and e-OSCAR • Maintains a clear understanding of current internal credit-related policies and procedures, as well as all applicable federal regulations and credit industry standards • Adapts to and endorses change and serves as an agent of positive change to support goals and direction • Demonstrates a strong commitment to meet or exceed external and internal expectations, service, and quality goals • Able to work within a corporate environment understanding its structure and adhering to schedule and punctuality requirements • Responsible for ensuring confidentiality of all aspects of the company’s operations, portfolio, customer information and computer technology • Must be able to work weekdays and weekend/overtime if required to ensure adherence to SLAs • Engages internal/external partners to obtain pertinent account information • Identifies and addresses process improvements based on day to-day observations and activities • Responds to inquiries and assists in resolving problems/complaints • Promotes a positive team environment by demonstrating professional behavior and respect for others • Escalates more complex or unusual issues to lead or supervisory staff Requirements • FCRA • MUST HAVE: eOscar exp, know what FCRA is and what it stands for • Need to know: What type of FCRA dispute processing experience do you have? • What are the different types of FCRA disputes? • 3+ years in Financial Services • Superior analytical, problem solving and decision-making skills • Excellent verbal, written, and interpersonal communication skills and ability to work well in a team environment • Exceptional attention to detail and accuracy • Ability to use/learn current technology and software applications related to position • Knowledgeable 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 10-Key pad Nice-to-haves • 3+ credit card or mortgage disputes experience preferred Benefits • Medical, dental & vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life & AD&D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave) Apply tot his job Apply To this Job