Credit Bureau Disputes Specialist

Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40 Pay Details: $23.25 - $30.75 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Product Management

The Credit Bureau Dispute Specialist researches direct and indirect credit bureau disputes; responds to customers and credit reporting agencies to ensure discrepancies are resolved and timely follow up occurs.

• Handles sensitive consumer information (credit bureau data, raw PII, customer account information)
• Utilizes third party data sources, internal systems and tools to research and analyze information to ensure accuracy of credit reporting
• Researches and responds to disputes received directly by mail or email
• Utilizes e-Oscar to quickly respond to indirect disputes in the way of Automated Consumer Dispute Verification (ACDV)
• Researches and actions feedback from the credit bureaus, internal reporting, and third parties to ensure accurate reporting
• Corrects inaccurate account information provided to CRAs and documents the resolution using internal systems and e-OSCAR
• Maintains a clear understanding of current internal credit-related policies and procedures, as well as all applicable federal regulations and credit industry standards
• Adapts to and endorses change and serves as an agent of positive change to support goals and direction
• Demonstrates a strong commitment to meet or exceed external and internal expectations, service, and quality goals
• Able to work within a corporate environment understanding its structure and adhering to schedule and punctuality requirements
• Responsible for ensuring confidentiality of all aspects of the company’s operations, portfolio, customer information and computer technology
• Must be able to work weekdays and weekend/overtime if required to ensure adherence to SLAs
• Engages internal/external partners to obtain pertinent account information
• Identifies and addresses process improvements based on day to-day observations and activities
• Responds to inquiries and assists in resolving problems/complaints
• Promotes a positive team environment by demonstrating professional behavior and respect for others
• Escalates more complex or unusual issues to lead or supervisory staff
• Performs additional responsibilities/duties as assigned by management

Associate's Degree or equivalent work experience 3+ years in Financial Services

• Superior analytical, problem solving and decision-making skills
• Excellent verbal, written, and interpersonal communication skills and ability to work well in a team environment
• Exceptional attention to detail and accuracy
• Ability to use/learn current technology and software applications related to position
• Dedicated, self-directed and reliable
• Knowledgeable of state and federal laws and agencies applicable to collections, including the Fair Credit Reporting Act (FCRA) and the Dodd-Frank Act
• Knowledge of Microsoft Excel and basic computer skills; 40+ WPM and use of 10-Key pad

Experience researching, investigating, and resolving credit bureau disputes related to retail…