Sr. Credit Dispute Coordinator

General Summary

The Sr. Credit Dispute Coordinator investigates, responds, and build reports around credit bureau disputes received directly from customers and through E-OSCAR (electronic dispute system). The associate will also perform the initial fraud review process and track fraud accounts received through the e-OSCAR system. Investigations and responses must be in compliance with the Fair Credit Reporting Act (FCRA) and Fair and Accurate Transactions Act (FACT Act). 

Principal Duties and Responsibilities

• Analyze credit bureau dispute data and formulate accurate and timely responses to disputes
• Correct loan information with the credit reporting agencies and in the applicable system of record
• Perform initial fraud review process and track fraud accounts received through e-OSCAR
• Ensure all reporting is accurate and in compliance with Metro II Credit Reporting Guidelines
• Identify trends occurring in connection with disputes or data reported to credit bureaus
• Alert and work closely with the credit reporting team to resolve any associated issues
• Investigate and remove invalid credit bureau inquiries
• Track and remediate identified issues
• Analyze data trends to identify root cause of issues and work with applicable business partners on remediation
• Develop and run performance reports as assigned
• Review key preventative and detective monitoring reports to identify performance trends
• Research reporting exclusions and work with upstream processes to remediate issues
• Perform additional duties as assigned

Experience and Education

• Bachelor’s degree or equivalent professional work experience in the financial services industry
• 2 years or more credit bureau dispute experience or involvement is preferred
• Credit reporting dispute resolution and e-OSCAR hands-on experience is preferred

Required Skills, Abilities, Soft Skill Factors

• Regulatory familiarity of FCRA, FCBA, Reg. V and other pertinent regulations and court cases relevant to consumer reporting is preferred
• Knowledge of the primary nationwide CRAs (such as: Experian, Equifax, TransUnion) and NSCRAs (Nationwide Specialty CRAs; e.g. Teletrack, Clarity,etc.) is preferred
• Ability to perform data analysis and determine true root cause

 

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