Credit Reporting & Disputes Manager Larcher 5309

Keesler Federal Career • Biloxi, MS

5d

About The Position

The Credit Reporting & Disputes Manager oversees Keesler Federal Credit Union’s consumer credit reporting program to ensure information furnished to consumer reporting agencies is accurate, consistent, and compliant. The position oversees credit reporting operations, dispute resolution, vendor relationships, data integrity, quality assurance, operational controls, and regulatory compliance. It identifies reporting trends and root causes, mitigates risk, and drives corrective actions to strengthen reporting practices.

The role supervises employees and is responsible for hiring and onboarding activities, training and development, work planning and oversight, performance evaluation, coaching, employee issue resolution, and supporting employment actions in accordance with established policies and applicable laws. It works with internal and external partners, including credit bureaus, e-OSCAR, regulators, auditors, legal counsel, vendors, and Compliance. The position reports to the Director of Consumer Loan Servicing and Portfolio Performance.

Requirements

• Bachelor’s degree in a related field, or an equivalent combination of education and experience that demonstrates ability to perform the job functions.
• At least 3 years of similar or related experience in credit reporting, loan servicing, collections, compliance, lending operations, or related financial institution functions.
• At least 1 year of leadership or supervisory experience.
• Experience managing consumer dispute investigations and bureau furnishing operations.
• Experience with Metro 2 reporting standards.
• Experience with e-OSCAR dispute processing.
• Ability to assess team capabilities, identify skill gaps, and develop talent.
• Ability to drive results, maintain accountability, overcome obstacles, and lead teams toward goals.
• Ability to make strategic decisions and guide teams through complex situations.
• Ability to analyze information, identify patterns and root causes, evaluate complex situations, and develop solutions.
• Proficiency with computers and standard office technology, including Microsoft Word, Excel, Outlook, and Teams.
• Ability to interact professionally and respectfully with members, coworkers, and external partners; communicate clearly verbally and in writing; listen attentively; and contribute to a collaborative, inclusive, member-focused environment.

Nice To Haves

• Experience supporting audits and regulatory examinations.
• Symitar experience.
• Certified Consumer Credit Compliance Professional (CCCP) certification.
• Consumer Data Industry Association (CDIA) Metro 2® training or certification.

Responsibilities

• Oversee consumer credit reporting activities, including Metro 2 reporting and bureau requirements, to ensure timely, accurate, and compliant furnishing.
• Oversee consumer dispute investigations received through members, consumer reporting agencies, regulators, attorneys, and e-OSCAR, ensuring timely resolution under applicable requirements.
• Serve as the primary liaison with credit bureaus, e-OSCAR, regulators, auditors, legal counsel, and third-party vendors on credit reporting matters.
• Establish and maintain quality control processes, data integrity reviews, reconciliations, and exception reporting.
• Analyze reporting trends, perform root cause analysis, and implement corrective actions to improve accuracy, strengthen controls, and mitigate risk.
• Serve as the primary escalation point for complex disputes, furnishing issues, and regulatory concerns.
• Partner with Compliance to support adherence to FCRA, FACTA, CFPB guidance, and other applicable regulations.
• Oversee specialized reporting situations involving bankruptcy, fraud, identity theft, deceased members, and SCRA accounts.
• Develop and maintain procedures, controls, training materials, and operational documentation for credit reporting activities.
• Establish key performance indicators, monitor reporting accuracy and dispute trends, and prepare management reporting on performance, quality, and operational risks.
• Coordinate audits, regulatory examinations, system changes, testing, and remediation activities affecting credit reporting.
• Provide subject matter expertise and strategic guidance on compliance, operational risk, process improvement, automation, and reporting strategy.
• Maintain records supporting investigations, corrections, and regulatory compliance.
• Perform additional duties and special projects as assigned.
• Ensure compliance with federal regulations, including BSA and OFAC requirements.
• Perform supervisory duties, including participating in recruitment, interviewing, selection, and onboarding; training and developing employees; assigning and overseeing work; evaluating performance; coaching and counseling; administering recognition and corrective actions; responding to employee concerns; and supporting employment actions.

Benefits

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for health care and dependent care expenses
• Employee and dependent life insurance
• 401(k) retirement plan with 100% match on the first 5% contributed by the employee
• Paid leave
• Tuition reimbursement and competitive scholarships
• Short-term and long-term disability benefits
• Employee Assistance Program

What This Job Offers

• Job Type: Full-time
• Career Level: Manager