Head of FCRA Operations and Compliance

Process Development and Operations Management

• Lead the formation and continuous improvement of the company’s CRA operations in compliance with FCRA requirements.
• Bring an “AI-first” mindset to all process designs with the goal of maximizing efficiency and automation while ensuring rigorous compliance with federal and state regulatory requirements.
• Build and operationalize end-to-end processes for handling consumer disclosure requests in accordance with Section 609 of the FCRA.
• Establish and maintain rigorous procedures for receiving, evaluating, and resolving consumer disputes, including reinvestigations with third-party data furnishers.

Regulatory Compliance Leadership

• Serve as the internal authority on FCRA regulations, offering actionable guidance and counsel to executive stakeholders, product teams, and legal counsel.
• Interpret evolving regulatory expectations and translate them into compliant business policies and procedures.
• Assess the permissibility and compliance risk of new data and product use cases under FCRA and advise accordingly.
• Establish the 1/2/3 LOD policies and processes required to maintain regulatory compliance across all relevant functions.

Training & Governance

• Lead and/or chair internal Risk Management, Data Furnishing and Standards Monitoring, and Model Governance committees for FCRA-facing products to identify and manage potential FCRA compliance risks and ensure cross-functional visibility and accountability.
• Create and maintain comprehensive training manuals and SOPs for CRA operations teams, including all consumer- and client-facing CRA operations.
• Establish performance standards and training protocols that ensure high-quality, compliant consumer interactions.

What You Bring

• 15+ years of progressive experience in FCRA operations and compliance, with at least 5 years in a senior leadership capacity.
• Demonstrated experience working within or directly overseeing consumer reporting agencies, ideally with experience standing up new CRA functions.
• Deep expertise in FCRA, ECOA, GLBA, and state-level statutory and regulatory obligations.
• Strong leadership experience managing cross-functional teams, especially consumer operations teams, call centers, or processing groups.
• Proven ability to collaborate across legal, product, technology, and operations functions.
• Bachelor’s degree required; advanced degree and relevant certifications (e.g., CIPP/US, CRCM) are a plus.