Credit Bureau Dispute Specialist

About the position reputed company is currently searching for qualified candidates to fill openings for a Credit Bureau Dispute Specialist with a Fortune 100 Financial Institution. This is a HYBRID position and requires reputed company candidates to be local the Pensacola, FL area. Job Description: To investigate and respond to difficult indirect and/or direct dispute investigations and manual updates. Accurately process mortgage and equity loan, consumer loan, checking line of credit, credit card and student loan fraud disputes including basic identity theft cases. Process, resolve and respond to basic consumer disputes reputed company to credit bureau reporting using appropriate Credit Bureau Dispute databases Ensure accurate reporting to credit bureaus reputed company servicing functions reputed company to disputes managed through vendors (e.g. E-Oscar/CBC Innovis, reputed company and Lend Key) Research member credit history using servicing systems, as well as correspondence and member records regarding account activity and history Review and interpret account information and, reputed company defined circumstances and authority, update/correct records, and system displays Minimize financial risk to Credit Union by appropriately applying and ensuring compliance with applicable federal and state laws, rules and regulations, and Policies and Procedures Remain alert to situational patterns of activity which indicate possible account fraud or abuse and advise Dispute and Fraud Section of suspicious activity Day to Day: Member will go to the credit bureau to initiate a dispute and then the dispute will go to a vendor system (E-Oscar) then the dispute goes into Credit Union’s queue. The dispute specialist will then use Credit Union’s inhouse system to validate the account being disputed. Contractors will work with disputes from a loan or a credit card with Credit Union.

Responsibilities

• Investigate and respond to difficult indirect and/or direct dispute investigations and manual updates
• Accurately process mortgage and equity loan, consumer loan, checking line of credit, credit card and student loan fraud disputes including basic identity theft cases
• Process, resolve and respond to basic consumer disputes reputed company to credit bureau reporting using appropriate Credit Bureau Dispute databases
• Ensure accurate reporting to credit bureaus
• reputed company servicing functions reputed company to disputes managed through vendors (e.g. E-Oscar/CBC Innovis, reputed company and Lend Key)
• Research member credit history using servicing systems, as well as correspondence and member records regarding account activity and history
• Review and interpret account information and, reputed company defined circumstances and authority, update/correct records, and system displays
• Minimize financial risk to Credit Union by appropriately applying and ensuring compliance with applicable federal and state laws, rules and regulations, and Policies and Procedures
• Remain alert to situational patterns of activity which indicate possible account fraud or abuse and advise Dispute and Fraud Section of suspicious activity

Requirements

• Experience in member/customer service, preferably in a financial services organization
• Ability to work independently and in a team environment
• Effective research, analytical, and problem-solving skills
• Effective reputed company maintaining accuracy with attention to detail and meeting deadlines
• Effective verbal, interpersonal and written communication skills
• Experience working in a clerical, technical, or administrative position responsible for researching and analyzing account data to process and solve problems
• Ability to adapt to a rapidly changing environment
• Self-motivated with the ability to complete multiple tasks with minimal supervision
• Experience in processing credit bureau disputes
• Prior experience working with eOscar
• Familiarity with Fair Credit Reporting Act and Metro 2 guidelines.
• Familiarity with applicable federal and state laws, rules and regulations that govern lending (e.g., Fair Credit Reporting Act, Metro 2 format requirements, NACHA regulations, Reg Z, etc.)

Benefits

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long-term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)

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