Credit Reporting Compliance Manager
About The Position
The Credit Reporting Compliance Manager serves as the subject matter expert overseeing Citizens’ 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. The manager partners with Operations, Business Lines, Technology, Risk Management, Compliance, Legal, Audit, and third-party vendors to ensure the accuracy, integrity, and regulatory compliance of information furnished to consumer reporting agencies. Responsibilities include identifying and mitigating reporting risks, challenging business assumptions, validating customer impact assessments, overseeing corrective actions, and ensuring sustainable controls operate effectively across systems of record. The position leads governance, monitoring, issue remediation, customer impact analysis, executive reporting, and continuous improvement across enterprise credit reporting and Specialty CRA programs. The schedule is Monday through Friday, 8:30 AM to 5:00 PM ET, and requires working 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.
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 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, Outlook, and PDF creation/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.
- Monitor the accuracy, completeness, and integrity of data furnished to Credit Reporting Agencies and Specialty Consumer Reporting Agencies.
- Support implementation and interpretation of changing regulatory requirements and industry standards.
- Oversee Citizens’ ChexSystems and EWS reporting programs and establish governance routines, monitoring processes, controls, and reporting.
- Monitor furnishing activity, performance metrics, exceptions, suppressions, data quality concerns, customer complaints, disputes, trends, and operational risks involving Specialty CRAs.
- Ensure Specialty CRA reporting processes align with Appendix E oversight, monitoring, issue management, governance, data integrity, and sustainable-control expectations.
- Partner with business lines and technology teams to strengthen Specialty CRA reporting controls and monitoring capabilities.
- 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 for credit reporting and Specialty CRA issues.
- 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 for investigations, remediation, audits, examinations, and regulatory inquiries; identify impacted customer populations using approved methodologies and data analysis.
- Review and validate customer impact assessments, harm determinations, and correction-file strategies.
- Evaluate trends, exceptions, and control performance, and maintain supporting documentation for management, audit, compliance, and regulatory review.
- Lead enterprise credit reporting and Specialty CRA governance activities; 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, and drive accountability for timely issue resolution and sustainable controls.
- Identify and support opportunities to improve monitoring, reporting, controls, governance processes, and operational effectiveness.
- Support system enhancements, regulatory changes, and strategic initiatives while promoting proactive risk identification, compliance excellence, and continuous 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
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Manager
Education Level
No Education Listed
