Credit Reporting & Disputes Specialist

• Paid Leave

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Paid Leave
• Tuition Reimbursement and Competitive Scholarships
• Short-Term & Long-Term Disability Benefits
• Employee Assistance Program

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS

Credit Reporting & Disputes Specialist

Consumer Lending

Credit Reporting & Disputes Manager

Non-Exempt

H 11

The Credit Reporting & Disputes Specialist is responsible for supporting the credit union's consumer credit reporting program by ensuring the accurate, timely, and compliant furnishing of information to consumer reporting agencies. This position performs dispute investigations, credit bureau corrections, data integrity reviews, account maintenance, quality control activities, and reporting reconciliations. The Credit Reporting Specialist works closely with the Credit Reporting & Disputes Manager to identify reporting issues, resolve discrepancies, support vendor and bureau communications, and implement corrective actions.

None

• Processes consumer credit reporting disputes received directly from members, consumer reporting agencies, regulators, attorneys, and through e-OSCAR.
• Investigates disputes by reviewing loan records, payment histories, supporting documentation, system data, and applicable reporting requirements.
• Completes dispute investigations within regulatory requirements and established service levels.
• Updates, corrects, suppresses, or deletes credit bureau information based on investigation results and established procedures.
• Performs Metro 2 reporting reviews and data integrity validations to ensure accurate furnishing.
• Reviews exception reports, rejection reports, and account-level discrepancies, researches findings, and recommends corrective action.
• Processes account maintenance impacting credit reporting, including bankruptcies, fraud, identity theft, deceased member, and SCRA accounts.
• Documents investigations, account corrections, and supporting rationale in accordance with department procedures.
• Identifies recurring issues, reporting trends, and potential risks and communicates recommendations to the Credit Reporting & Disputes Manager.
• Coordinates with the Credit Reporting & Disputes Manager to resolve escalated reporting issues, support vendor and bureau communications, and implement process improvements.
• Supports audits, examinations, system testing, conversions, and reporting reviews by gathering documentation and completing assigned activities
• Maintains department procedures, job aids, and process documentation and recommends updates as needed.
• Assists members and internal staff with questions related to credit reporting and dispute processes.
• Maintains records supporting investigations, corrections, and regulatory compliance requirements.
• Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).

• Other duties as assigned.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Associate's Degree in a related field or…