Credit Bureau Reporting/FCRA Dispute Manager

Role Overview

• Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring
• Ensure all reporting complies with Metro 2® specifications, FCRA/FACTA requirements, CFPB supervisory guidance, and bureau-specific rules.
• Establish and monitor daily, weekly, and monthly control routines to ensure reporting timeliness, completeness, and accuracy
• Serve as escalation owner for material reporting issues, missed SLAs, or consumer harm events
• Act as the business owner for FCRA compliance related to credit reporting and disputes, including documentation, controls, and issue management
• Oversee investigation and resolution of consumer credit reporting disputes within mandated regulatory timelines (e.g., 30/45-day requirements)
• Partner with Compliance and Legal to interpret regulatory changes, perform impact assessments, and drive implementation of required reporting or dispute process changes
• Lead preparation and response for regulatory exams, internal audits, and bureau audits, including evidence production, issue remediation, and management responses
• Maintain clear policies, procedures, and playbooks for bureau reporting, corrections, reinvestigations, and consumer remediation
• Design and operate preventive and detective controls to ensure bureau data accuracy and regulatory compliance
• Implement robust quality assurance, second-line testing support, and monitoring for reporting files and dispute outcomes
• Review exception reports, trend defects, and oversee root-cause analysis for systemic issues
• Own corrective action plans, ensuring sustainable fixes across upstream systems, processes, and vendors
• Partner with Technology and Data teams to strengthen data lineage, governance, and control documentation
• Lead initiatives to automate reporting and dispute workflows, reduce manual errors, and improve scalability
• Evaluate and enhance dispute management platforms, reporting tools, and validation controls
• Monitor industry trends, regulatory guidance, and Metro 2® updates to proactively improve processes
• Provide executive-level reporting and insights on dispute volumes, root causes, consumer outcomes, and regulatory risk indicators

Requirements

• Bachelor's degree in Finance, Accounting, Business, or related field; advanced degree preferred
• 5+ years of experience in credit bureau reporting, FCRA dispute management, credit risk operations, or regulatory compliance within financial services (credit card experience strongly preferred)
• Deep expertise in Metro 2®, FCRA, FACTA, CFPB expectations, and consumer dispute handling
• Demonstrated experience supporting regulatory exams, audits, and issue remediation
• Proven people leader with the ability to build and scale high-performing teams
• Strong analytical and problem-solving skills, with the ability to translate regulatory requirements into operational controls
• Excellent written and verbal communication skills, including experience presenting to senior leaders, auditors, and regulators
• Hands-on familiarity with credit bureau reporting systems, dispute platforms, and data validation tools.

Benefits

• Health insurance
• 401(k) matching
• Flexible work hours
• Paid time off
• Remote work options