Fair Credit Reporting Act Director

Randolph Brooks Federal Credit Union•San Antonio, TX

13d

About The Position

The Fair Credit Reporting Act Director is responsible for strategic oversight, governance, and performance of the credit union’s Fair Credit Reporting Act (FCRA) and Servicemembers' Civil Relief Act (SCRA) programs. FCRA oversight includes data furnishing and credit accuracy functions. The role ensures consumer reporting data is accurate, integral, and complete; aligns programs with regulatory requirements; and integrates them with the organization’s Compliance Management System (CMS). The Director is accountable for program effectiveness, risk management, enterprise-level resolution of credit reporting issues, and other duties as assigned. The Director provides accountable leadership for SCRA, FCRA, and data furnishing programs, including Metro 2/ASCII reporting, credit accuracy, disputes, corrections, and reporting alignment. The role establishes program policies, procedures, governance, strategy, objectives, and performance expectations; oversees data furnishing and controls; manages enterprise issues and remediation; and serves as a primary contact for regulators, auditors, and third-party vendors. The Director also provides executive reporting, oversees compliance-related software and technology administration, and leads Credit Accuracy and FCRA program managers, team leads, and supporting staff through role definition, performance management, workforce planning, training, coaching, and development. Essential functions may change, and additional duties may be assigned at any time with or without notice.

Requirements

Master’s degree, or a minimum of 13 years of combined financial institution and compliance experience in lieu of a degree.
Minimum of 7 years of combined financial institution and compliance experience.
Minimum of 3 years of management experience.
Experience with compliance reporting, data analytics, and compliance issue management.
Broad knowledge of ASCII, CDIA, CRRG, Metro 2 reporting, and SCRA.
Ability to research thoroughly, interpret and understand laws and regulations, and provide practical recommendations and solutions.
Excellent communication and interpersonal skills, including the ability to influence.
Excellent organization and time management skills, with experience working to deadlines.
Strong leadership, staff management, and project management skills.
Strong problem-solving, critical-thinking, and change-management skills.
Ability to use advanced business and analytical knowledge to lead cross-functional discussions about complex business objectives and influence solution strategies.
Ability to work independently with minimal direction; self-motivated and able to contribute as a team player in a constructive environment.

Nice To Haves

Experience with BSA, ECOA, Fair Lending, FCRA, FDCPA, MLA, OFAC, SCRA, and TILA.
FCRA Certificate for Data Furnishers or similar FCRA compliance certification.
Experience with financial institutions larger than $10 billion in assets and exposure to oversight by the Consumer Financial Protection Bureau (CFPB).

Responsibilities

Provide accountable leadership and oversight for SCRA, FCRA, and data furnishing programs, including Metro 2/ASCII reporting, credit accuracy, disputes, corrections, and reporting alignment.
Establish and maintain policies, procedures, governance structures, strategy, objectives, and performance expectations aligned with SCRA, FCRA, Regulation V, CMS, and enterprise risk management.
Oversee the accuracy, completeness, integrity, and validation of information furnished to consumer reporting agencies, including alignment between furnished data and dispute investigation outcomes.
Design, implement, and evaluate risk-based controls for credit reporting accuracy and integrity that align with regulatory expectations.
Oversee enterprise-level SCRA and FCRA issue management, including prioritization, root cause analysis, remediation strategies, backlog monitoring, timelines, and risk exposure.
Serve as primary contact for regulators, auditors, and third-party vendors on SCRA and FCRA matters; interpret applicable requirements and support timely responses to inquiries, examinations, and complaints.
Provide executive reporting on program performance, risks, remediation status, emerging trends, control effectiveness, FCRA compliance, and data integrity.
Provide compliance oversight for decisions within the role’s authority and ensure due diligence is completed before projects, products, or process changes are implemented.
Oversee compliance-related administration and implementation of software and technology supporting department productivity and operations.
Lead Credit Accuracy and FCRA Program Managers, Team Leads, and supporting staff by defining roles, managing performance, supporting workforce planning, and providing resources, training, coaching, and development.
Perform other duties as assigned; essential functions and responsibilities may change or new ones may be assigned at any time with or without notice.