Credit Reporting & Disputes Manager Larcher 5309

Keesler Federal Credit Union • Biloxi, MS

6d

About The Position

The Credit Reporting & Disputes Manager oversees the credit union’s consumer credit reporting program, ensuring the accuracy, consistency, and regulatory compliance of information furnished to consumer reporting agencies. The role oversees credit reporting operations, dispute resolution, vendor oversight, data integrity, quality assurance, regulatory compliance, and operational controls. It identifies trends and root causes, mitigates risk, and drives corrective actions to strengthen reporting practices and maintain compliance with applicable laws and regulations.

The position supervises employees in accordance with credit union policies and applicable laws. Supervisory duties include participating in recruitment, selection, and onboarding; training and developing employees; planning and overseeing work; evaluating performance; coaching and counseling; administering recognition and corrective action; responding to employee concerns; and supporting employment actions.

The manager serves as a primary liaison and escalation point for credit reporting matters involving credit bureaus, e-OSCAR, regulators, auditors, legal counsel, and vendors. The role partners with Compliance, coordinates audits and examinations, develops procedures and training, monitors performance and risk, and provides subject matter expertise and strategic guidance. It also maintains records supporting investigations, corrections, and regulatory compliance, and is responsible for compliance with federal regulations including BSA and OFAC.

Requirements

• Bachelor’s degree in a related field, or an equivalent combination of education and experience demonstrating ability to perform the role.
• 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.
• Proficiency with computers and standard office technology, including Microsoft Word, Excel, Outlook, and Teams.
• Ability to assess team capabilities, identify skill gaps, and develop employees.
• 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 effective solutions.
• Ability to interact professionally and respectfully with members, coworkers, and external partners; communicate clearly verbally and in writing; listen attentively; and build collaborative working relationships.

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 to ensure timely, accurate, and compliant furnishing, including Metro 2 reporting and bureau requirements.
• Oversee consumer dispute investigations received through members, consumer reporting agencies, regulators, attorneys, and e-OSCAR, ensuring timely resolution under regulatory 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 to identify inaccuracies, operational risks, and systemic issues.
• Analyze reporting trends, conduct root cause analysis, and implement corrective actions to improve accuracy, strengthen controls, and mitigate risk.
• Act as the primary escalation point for complex disputes, furnishing issues, and regulatory concerns.
• Partner with Compliance to ensure adherence to FCRA, FACTA, CFPB guidance, and other applicable federal and state 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 reports 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 supervisory responsibilities, including employee recruitment and onboarding support, training, work oversight, performance evaluation, coaching, and employee issue resolution.
• Comply with applicable federal regulations, including BSA and OFAC.
• Perform other duties and special projects as assigned.

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