Senior Credit Bureau Reporting Manager

Citizens•Johnston, RI

3d•$130,000 - $150,000•Hybrid

About The Position

At Citizens, the mission is to help customers, colleagues, and communities reach their potential. The Senior Credit Bureau Reporting Manager leads a team responsible for monitoring, testing, and oversight activities that support the accuracy, integrity, and performance of credit bureau reporting across multiple systems of record. The role manages approximately five Compliance Officers and oversees tradeline testing, critical reject monitoring, trend analysis, and reporting. It provides insights to Compliance Managers and supports remediation and corrective action through analysis, validation, monitoring, and executive reporting. The position also supports oversight of credit reporting changes, testing outcomes, furnishing performance, and emerging enterprise risks. The position is scheduled Monday through Friday, 8:30 AM–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. The annual salary range is $130,000–$150,000; actual pay depends on factors including budget, work location, and relevant skills and experience. Employment offers are conditional on successfully passing a background check, which may include credit, motor vehicle, public, prior employment, and criminal background checks.

Requirements

5–7+ years of experience in Credit Bureau Reporting, FCRA Compliance, Risk Management, Quality Assurance, Testing, or related disciplines.
3+ years of leadership experience managing teams and delivering results.
Understanding and working knowledge of Fiserv, ALS, TSYS, MSP, and Debt Manager servicing platforms.
Understanding and working knowledge of Chex System and EWS.
Strong understanding of Fair Credit Reporting Act (FCRA) requirements and Metro 2 reporting standards.
Experience performing testing, monitoring, quality assurance, or oversight activities.
Strong analytical, problem-solving, and organizational skills.
Excellent written, verbal, and executive communication skills.
Thorough understanding of federal and state regulatory requirements related to the FCRA and Data Furnishing.
Ability to independently lead in-depth FCRA discussions across various product lines.
Intermediate to advanced experience using Microsoft Office Suites, including Word, Outlook, Excel, and PDF creation/conversion.

Nice To Haves

Bachelor’s degree preferred.
Experience supporting enterprise credit bureau furnishing programs.
Experience monitoring critical reject activity and reporting trends.
Experience supporting regulatory examinations, audits, or compliance reviews.
Knowledge of credit reporting systems, dispute processes, and furnishing controls.
Experience in bankruptcy and charge-off.
Demonstrated past job history stability.

Responsibilities

Lead and oversee tradeline testing across multiple systems of record.
Ensure testing follows established procedures and governance requirements.
Review test results for completeness, accuracy, and quality.
Monitor testing outcomes and identify trends, observations, and potential concerns.
Ensure testing documentation is maintained and available for management review.
Oversee critical reject monitoring and reporting processes.
Review reject trends, emerging issues, and recurring themes.
Evaluate the impact of critical rejects on credit bureau reporting performance.
Escalate significant findings and concerns through established governance channels.
Prepare reporting and analysis for leadership and Compliance Managers.
Consolidate testing results, monitoring outcomes, and key observations.
Provide reporting and actionable insights to Compliance Managers responsible for oversight of credit reporting activities.
Identify emerging risks, control weaknesses, and process improvement opportunities.
Support governance routines, issue management discussions, and oversight reviews.
Lead, coach, and develop a team of Compliance Officers.
Establish team priorities, performance expectations, and development plans.
Ensure consistency in testing, monitoring, documentation, and reporting activities.
Foster accountability, collaboration, and continuous improvement.
Support timely and accurate completion of tradeline testing, effective critical reject trend reporting, consistent processes, risk escalation, and development of an engaged, high-performing team.

Benefits

Competitive pay.
Comprehensive medical coverage.
Dental coverage.
Vision coverage.
Retirement benefits.
Maternity and paternity leave.
Flexible work arrangements.
Education reimbursement.
Wellness programs.
Paid time off policy exceeding the mandatory paid sick or paid time-away policy of every local and state jurisdiction in the United States.