FCRA Disputes Specialist

FCRA Disputes Specialist

In the FCRA Disputes Specialist role, you will be responsible for:

• Investigating credit bureau disputes received from the credit reporting agencies as well as from our customers using Citizens systems, policies and procedures. You will add pertinent information to pre‑approved letters to respond to customer disputes. You will thoroughly document information relevant to the dispute details and resolution in the system of record.
• Although most disputes do not require telephone contact, occasionally you will need to provide effective communication when making inquiries and to follow up with customers.
• Reviewing various reports to troubleshoot credit bureau reporting issues prior to the monthly file run.
• Building relationships and effectively communicating across departments within Citizens to request system updates as well as obtain information relevant to resolving credit bureau disputes and reporting exceptions.
• At times, you will participate in projects to review and investigate historical credit bureau reporting and make updates as needed.
• Receiving training to remain up to date on credit bureau industry knowledge and trends.

• Problem‑solving skills, accuracy, attention to detail, and having an analytical mindset while reviewing and investigating credit bureau disputes and reporting exceptions is critical.
• The ability to function in a team environment, work independently, and organize your time to meet deadlines is a necessity.
• The ability to write and speak effectively and professionally is a must.
• 2‑5 years of experience in the financial industry is preferred.
• Previous experience in customer service, complaint resolution, letter writing, bankruptcy, loss mitigation or foreclosure is a plus.
• Previous experience researching and resolving credit bureau disputes is a plus.
• Bachelor's or Associate's degree preferred. High school diploma with applicable work experience is acceptable.

• Hours per Week: 40
• Work Schedule:
  
  M‑F 8am-5pm. Hybrid in Glen Allen, VA or Johnston, RI