Credit Bureau Dispute Specialist (US)

TD Bank•Greenville, SC

7d•Onsite

About The Position

The Credit Bureau Dispute Specialist researches regulatory TD Auto Finance credit bureau disputes; responds to customers and credit reporting agencies to ensure discrepancies are resolved and timely follow up occurs. This role handles sensitive consumer information (credit bureau data, raw PII, customer account information) and utilizes third-party data sources, internal systems, and tools to research and analyze information to ensure the accuracy of credit reporting. The specialist will research and respond to disputes received directly by mail or email, and utilize e-Oscar to quickly respond to indirect disputes via Automated Consumer Dispute Verification (ACDV). They will also research and action feedback from credit bureaus, internal reporting, and third parties to ensure accurate reporting, correct inaccurate account information provided to CRAs, and document resolutions using internal systems and e-OSCAR. A clear understanding of current internal credit-related policies and procedures, as well as all applicable federal regulations and credit industry standards, is required. The role involves adapting to and endorsing change, serving as an agent of positive change to support goals and direction, and demonstrating a strong commitment to meet or exceed external and internal expectations, service, and quality goals. The specialist must be able to work within a corporate environment, adhering to schedule and punctuality requirements, and ensuring the confidentiality of all aspects of the company’s operations, portfolio, customer information, and computer technology. The ability to work weekdays and weekend/overtime if required to ensure adherence to SLAs is necessary. The role also involves engaging internal/external partners to obtain pertinent account information, identifying and addressing process improvements, responding to inquiries, and assisting in resolving problems/complaints. Promoting a positive team environment through professional behavior and respect for others, and escalating complex issues to lead or supervisory staff are also key responsibilities. Additional responsibilities may be 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 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
Dedicated, self-directed and reliable
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

Responsibilities

Researches regulatory TD Auto Finance credit bureau disputes.
Responds to customers and credit reporting agencies to ensure discrepancies are resolved and 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.
Performs additional responsibilities/duties as assigned by management.