Collections - Senior Credit Reporting Operations Specialist

Mission Fed•San Diego, CA

3d•$26 - $30•Onsite

About The Position

This role is for a Senior Credit Reporting Operations Specialist who is a compliance and credit reporting expert, understanding consumer credit reporting, dispute investigations, FCRA requirements, and Metro 2 reporting standards. The specialist will investigate issues, gather facts, review account histories, analyze supporting documentation, and determine accurate dispute outcomes while maintaining meticulous documentation. They will manage the full lifecycle of direct and indirect credit disputes, ensuring accuracy and adherence to regulatory and internal service level requirements. The role also focuses on quality and risk management by identifying reporting errors, documentation gaps, compliance concerns, and recurring trends. Collaboration with various teams, including members, lending, collections, compliance, legal, operations, and credit bureaus, is essential. The specialist will also analyze dispute trends and identify process improvements to strengthen reporting accuracy, workflows, controls, and the overall member experience. This position is critical for protecting member trust, ensuring fair and accurate credit reporting, and supporting the credit union's commitment to regulatory excellence and exceptional member service.

Requirements

Minimum of 3 years of experience in financial services, lending, collections, loan servicing, compliance, credit reporting, or related operations
At least 1 year of experience supporting investigations, dispute resolution, case management, or similar operational functions
Working knowledge of consumer credit reporting requirements, dispute investigation standards, FCRA, and CDIA Credit Reporting Resource Guide (CRRG) guidance
Strong analytical, research, problem-solving, and decision-making skills
Ability to prepare clear, professional, and compliance-defensible documentation and case records
Experience managing multiple priorities and deadlines in a high-volume environment
Excellent written and verbal communication skills with a strong member-service mindset
Proficiency with Microsoft Office Suite
Experience working with case management systems and research tools
High School Diploma, GED, or equivalent required

Nice To Haves

Associate's or Bachelor's degree in Business, Finance, Accounting, Criminal Justice, Compliance, or a related field
Experience with e-OSCAR
Experience with ACDVs and AUDs
Experience with Metro 2 reporting
Experience with Symitar
Experience with Akuvo
Experience with credit bureau furnishing processes
Experience with loan servicing platforms
Experience with quality control and audit functions
Bilingual communication skills
FCRA Certification

Responsibilities

Manage the full lifecycle of direct and indirect credit disputes, ensuring cases are handled accurately, thoroughly, and within regulatory and internal service level requirements.
Investigate issues, gather facts, review account histories, analyze supporting documentation, and determine accurate, well-supported dispute outcomes.
Maintain meticulous documentation of all investigations and dispute resolutions.
Identify reporting errors, documentation gaps, compliance concerns, and recurring trends.
Identify opportunities for corrective action and process improvements.
Collaborate with members, lending teams, collections, compliance, legal, operations, and credit bureaus to drive resolutions.
Analyze dispute trends to identify areas for improvement in reporting accuracy, workflows, and controls.
Ensure fair and accurate credit reporting to protect member trust.

Benefits

18 days of PTO in your first year
12 paid holidays
6% 401(k) match
Comprehensive benefits package including medical, dental, vision, life insurance, and more
Personal concierge benefit through Overalls (100% employer paid)
Career growth opportunities

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