FCRA Disputes Specialist

Citizens Bank•Glen Allen, VA

7h•Hybrid

About The Position

We are seeking a highly skilled and experienced FCRA Disputes Specialist to lead complex credit reporting dispute resolutions while ensuring strict adherence to Fair Credit Reporting Act (FCRA) regulations. In this role, you will oversee more challenging cases, provide guidance to junior team members, and collaborate with cross-functional teams to maintain compliance and improve dispute resolution processes. The ideal candidate will have advanced knowledge of FCRA and consumer credit regulations, exceptional analytical skills, and the ability to handle high-priority cases with efficiency and accuracy.

Requirements

Problem-solving skills, accuracy, attention to detail, and having an analytical mindset while reviewing and investigating credit bureau disputes and reporting exceptions is critical.
The ability to function in a team environment, work independently, and organize your time to meet deadlines is a necessity.
The ability to write and speak effectively and professionally is a must.
2-5 years of experience in the financial industry is preferred.
Bachelor’s or Associate’s degree preferred. High school diploma with applicable work experience is acceptable.

Nice To Haves

Previous experience in customer service, complaint resolution, letter writing, bankruptcy, loss mitigation or foreclosure is a plus.
Previous experience researching and resolving credit bureau disputes is a plus.

Responsibilities

Serve as the subject matter expert (SME) on FCRA disputes, handling the most complex and high-risk cases with minimal supervision.
Lead the investigation and resolution of escalated credit reporting disputes, ensuring compliance with FCRA and other relevant consumer credit laws.
Analyze and interpret data, making recommendations for dispute resolution based on detailed reviews of credit reports, consumer information, and internal records.
Act as the primary liaison between credit reporting agencies, legal teams, and internal departments for high-priority dispute cases.
Ensure all dispute resolutions are documented accurately, and that timelines for resolution are strictly adhered to under FCRA requirements.
Develop and implement process improvements for dispute resolution, working closely with compliance, risk, and operations teams to streamline procedures and enhance accuracy.
Provide mentorship and training to junior FCRA Disputes Specialists, sharing best practices and compliance knowledge.
Lead audits and regulatory reviews related to credit reporting disputes, ensuring that the organization’s dispute-handling practices meet FCRA standards.
Monitor changes to consumer protection laws, industry trends, and credit reporting practices, advising the team and leadership on potential impacts.
Generate detailed reports and analyses on dispute trends, resolution times, and compliance status, presenting findings to management.
Participate in cross-functional meetings to discuss dispute resolution strategies, process optimization, and regulatory updates.