Credit Bureau Dispute Specialist (US)

TD Bank • Greenville, SC

5d • $23 - $31

About The Position

Credit Bureau Dispute Specialist receives disputes from the customer or credit agencies to investigate. Customers may be disputing items such as a late mark or an account that isn't theirs. The specialist have a 30 day SLA to meet and respond, to be within regulatory guidelines.

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

• 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

Benefits

• Growth opportunities and skill development are defining features of the colleague experience at TD.
• Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role.
• Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals.
• Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
• Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
• You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree