Sr. Credit Dispute Coordinator

Elevate Agency•Benbrook, TX

About The Position

General Summary The Sr. Credit Dispute Coordinator investigates, responds, and build reports around credit bureau disputes received directly from customers and through E-OSCAR (electronic dispute system). The associate will also perform the initial fraud review process and track fraud accounts received through the e-OSCAR system. Investigations and responses must be in compliance with the Fair Credit Reporting Act (FCRA) and Fair and Accurate Transactions Act (FACT Act).

Requirements

Bachelor's degree or equivalent professional work experience in the financial services industry
Regulatory familiarity of FCRA, FCBA, Reg. V and other pertinent regulations and court cases relevant to consumer reporting is preferred
Ability to perform data analysis and determine true root cause

Nice To Haves

2 years or more credit bureau dispute experience or involvement is preferred
Credit reporting dispute resolution and e-OSCAR hands-on experience is preferred
Knowledge of the primary nationwide CRAs (such as: Experian, Equifax, TransUnion) and NSCRAs (Nationwide Specialty CRAs; e.g. Teletrack, Clarity,etc.) is preferred

Responsibilities

Analyze credit bureau dispute data and formulate accurate and timely responses to disputes
Correct loan information with the credit reporting agencies and in the applicable system of record
Perform initial fraud review process and track fraud accounts received through e-OSCAR
Ensure all reporting is accurate and in compliance with Metro II Credit Reporting Guidelines
Identify trends occurring in connection with disputes or data reported to credit bureaus
Alert and work closely with the credit reporting team to resolve any associated issues
Investigate and remove invalid credit bureau inquiries
Track and remediate identified issues
Analyze data trends to identify root cause of issues and work with applicable business partners on remediation
Develop and run performance reports as assigned
Review key preventative and detective monitoring reports to identify performance trends
Research reporting exclusions and work with upstream processes to remediate issues
Perform additional duties as assigned