Credit Bureau Dispute Specialist (US)

TD•Jacksonville, FL

4d•$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 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.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

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