Skip Tracing Specialist

OnPoint Credit Union•Portland, OR

About The Position

The Collections Skip Tracing Specialist locates hard-to-reach borrowers with delinquent accounts and supports late-stage collection and recovery efforts through detailed investigative research. The role helps mitigate losses by identifying current contact information, researching high-risk accounts, and accelerating resolution. It requires strong analytical skills, persistence, attention to detail, and the ability to handle sensitive information confidentially and compliantly. The specialist uses investigative tools, public databases, and industry platforms to support final resolution stages, with a focus on high-value collateral and significant outstanding balances, and collaborates with the Fraud department when necessary.

Requirements

High school diploma or equivalent.
Four years of experience in a financial institution.
Three years of experience in collections.
Prior experience using investigative databases and online research tools.
Working knowledge of FDCPA, FCRA, UDAAP, and other consumer protection regulations.
Strong understanding of collections, recovery processes, and late-stage delinquency workflows.
Thorough understanding of fraud indicators and patterns in financial services.
Investigative mindset and high attention to detail.
Strong analytical and creative problem-solving abilities.
Strong written and verbal communication skills for coordination and thorough documentation.
Persistence and resourcefulness in researching difficult-to-locate individuals.
Ability to maintain high levels of confidentiality and compliance.
Strong time management and prioritization skills, including prioritizing high-value or high-risk accounts.
Ability to partner effectively with Collections, Recovery, and Fraud teams.

Nice To Haves

Two years of experience in skip tracing, investigations, or a related field.
Experience in auto finance, financial services, or asset recovery.
Certifications related to collections, credit management, or financial services, such as Certified Credit and Collection Professional (CCCP), Certified Collection Professional (CCP), or similar.
High attention to detail and accuracy in documentation.
Ability to work independently in a fast-paced, metrics-driven environment.

Responsibilities

Conduct skip tracing using public records, proprietary databases, credit bureaus, and other investigative tools to locate members or debtors.
Research and verify personal identifiers, addresses, places of employment, phone numbers, and third-party contacts for members with delinquent accounts.
Provide collection specialists with updated location and contact information found through skip tracing.
Document findings, actions, and results accurately and in real time in the collections system.
Maintain compliance with FDCPA, GLBA, FCRA, CFPB, and other federal and state regulations.
Handle sensitive data in accordance with organizational policies and confidentiality standards.
Work late-stage and recovery queues to identify accounts requiring skip-tracing intervention.
Recommend strategies and escalation paths for hard-to-locate accounts.
Support outbound collection efforts with timely, accurate investigative results and collect on accounts once members have been located.
Collaborate with the Fraud department when information suggests a potential fraud concern.
Complete additional projects, responsibilities, or other duties as assigned.