Credit Reporting Compliance Manager

Citizens Financial Group•Johnston, RI

3d•Hybrid

About The Position

At Citizens, the Credit Reporting Compliance Manager is the subject matter expert responsible for overseeing consumer reporting obligations across traditional Credit Reporting Agencies (CRAs), ChexSystems, and Early Warning Services (EWS). The role provides leadership and oversight for Fair Credit Reporting Act (FCRA) compliance, Metro 2 reporting, data integrity, issue management, customer impact assessments, and remediation activities. It partners with Operations, Business Lines, Technology, Risk Management, Compliance, Legal, Audit, and third-party vendors to ensure information furnished to consumer reporting agencies is accurate, integral, and compliant with applicable requirements. The manager identifies and mitigates reporting risks, challenges business assumptions, validates customer impact assessments, oversees corrective actions, and ensures sustainable controls operate effectively across systems of record. The position leads consumer reporting compliance and Specialty CRA governance, including monitoring furnishing activity, performance, exceptions, suppressions, data quality, customer disputes, and operational risks. It owns issue analysis and remediation, validates affected populations and harm assessments, supports audits and regulatory reviews, and provides governance and executive reporting. The role also advises stakeholders on regulatory and industry requirements and drives improvements to monitoring, controls, governance, and operational processes. The schedule is Monday through Friday, 8:30 AM–5:00 PM ET. The position requires four days onsite at the Johnston, Rhode Island, or Glen Allen, Virginia office; remote work may be considered for highly qualified candidates who are not located near a Citizens office. The stated salary range is $97,000–$100,000 per year, with actual pay dependent on factors including budget, work location, skills, and experience.

Requirements

5–7+ years of experience in Credit Bureau Reporting, FCRA Compliance, Consumer Reporting Operations, Risk Management, Regulatory Compliance, or a related field.
Strong understanding of FCRA requirements and consumer reporting regulations.
Thorough understanding of Metro 2 reporting requirements and CDIA Credit Reporting Resource Guide (CRRG) standards.
Experience supporting or overseeing consumer reporting programs across multiple products and servicing platforms.
Working knowledge of servicing systems such as Fiserv, ALS, MSP, TSYS, Debt Manager, or comparable platforms.
Strong understanding of ChexSystems and EWS reporting requirements and oversight expectations.
Deep knowledge of Appendix E requirements, including governance, monitoring, issue management, remediation, data integrity, and sustainable control execution.
Experience performing customer impact assessments, root cause analysis, issue remediation, and corrective action validation.
Strong analytical, problem-solving, organizational, and decision-making skills.
Excellent written, verbal, presentation, and stakeholder management skills.
Ability to independently lead complex discussions with senior leaders and cross-functional stakeholders.
Advanced proficiency in Microsoft Office applications, including Excel, Word, PowerPoint, and Outlook, as well as PDF creation and conversion tools.

Nice To Haves

Bachelor's degree in Business, Finance, Compliance, Risk Management, Accounting, Data Analytics, or a related field.
Relevant professional certifications in Compliance, Risk Management, Audit, Project Management, or Data Analytics.
Experience supporting enterprise-wide credit bureau furnishing programs.
Experience with bankruptcy, charge-off, recovery, collections, and consumer dispute operations.
Experience supporting regulatory examinations, audits, or compliance reviews.
Experience with customer remediation programs, correction files, and population identification methodologies.
Experience with operational risk management and issue management frameworks.
Experience managing relationships with third-party service providers and vendors.
Prior quality assurance, testing, monitoring, or compliance oversight experience.

Responsibilities

Serve as the primary subject matter expert for FCRA, Metro 2, CDIA Credit Reporting Resource Guide (CRRG), ChexSystems, and EWS requirements.
Oversee consumer reporting activities across servicing and reporting platforms, including ALS, MSP, TSYS, Debt Manager, Citizens Pay, ChexSystems, and EWS.
Ensure compliance with applicable federal and state consumer reporting regulations and enterprise policies, and monitor the accuracy, completeness, and integrity of furnished consumer data.
Support implementation and interpretation of changing regulatory requirements and industry standards.
Oversee Citizens' ChexSystems and EWS reporting programs; establish governance routines, monitoring processes, oversight controls, and reporting.
Monitor furnishing activity, performance metrics, exceptions, suppressions, data quality concerns, operational risks, customer complaints, disputes, and trends involving Specialty CRAs.
Ensure Specialty CRA reporting processes align with Appendix E expectations for oversight, monitoring, issue management, governance, data integrity, and sustainable controls.
Own and oversee operational risk issues, regulatory observations, audit findings, and remediation activities related to consumer reporting.
Lead root cause analysis and develop remediation strategies; review and challenge business assumptions, customer impact assessments, remediation approaches, and corrective action plans.
Approve population identification methodologies, testing approaches, and issue resolution strategies; assess remediation effectiveness and provide closure-readiness approval recommendations.
Escalate significant risks, trends, and emerging concerns to senior leadership.
Prepare or oversee analyses supporting investigations, remediation, audits, examinations, and regulatory inquiries; identify affected customer populations using approved methodologies and data analysis techniques.
Review and validate customer impact assessments, harm determinations, and correction-file strategies; maintain supporting documentation for management, audit, compliance, and regulatory review.
Monitor furnishing performance, critical rejects, reconciliation results, customer disputes, suppressions, and control effectiveness.
Develop and present executive-level reporting on compliance risks, issue status, remediation progress, and emerging trends; track and report key performance indicators, risk metrics, and remediation milestones.
Support internal audits, regulatory examinations, compliance reviews, and governance committees.
Lead business-line meetings, governance forums, and stakeholder discussions; partner with Legal, Risk Management, Compliance, Technology, Operations, Audit, and third-party vendors.
Provide guidance and recommendations on FCRA, Metro 2, ChexSystems, and EWS requirements; challenge conclusions and recommendations where regulatory or operational concerns exist.
Drive accountability for timely issue resolution and sustainable control implementation.
Identify opportunities to improve monitoring, reporting, controls, governance, and operational effectiveness; support system enhancements, regulatory changes, and strategic initiatives.
Promote proactive risk identification, compliance excellence, and continuous process improvement.

Benefits

Competitive pay
Medical coverage
Dental coverage
Vision coverage
Retirement benefits
Maternity leave
Paternity leave
Flexible work arrangements
Education reimbursement
Wellness programs
Paid time off policy exceeding mandatory paid sick or paid time-away policies in every local and state jurisdiction in the United States