Senior Manager, CBR & FCRA Risk Governance

Responsibilities

Program Ownership & Regulatory Expertise

• Own credit reporting policies, procedures, workflows, and process mappings.
• Serve as the subject matter expert on CDIA, Metro 2®, FCRA, and Reg V guidelines.

Data Furnishing & CRA Submission

• Direct the creation, data-quality scrubbing, auditing, and monthly submission of Metro 2® files across all four major Credit Reporting Agencies (CRAs).

Dispute & Lifecycle Management

• Oversee Credit Bureau Dispute Management in alignment with the broader Complaints program.
• Maintain complete dispute lifecycle tracking and resolve data-furnishing exceptions.

Data Integrity & Root Cause Analysis

• Lead troubleshooting, system checks, and root-cause analysis to identify and correct furnishing errors before reporting.

Downstream Integration

• Oversee exception inputs from bankruptcy, deceased scans, repossessions, and debt sales.

Team Leadership & SLA Performance

• Manage, coach, and develop Dispute Analysts.
• Meet KPIs, maintain dispute-response SLAs, and oversee quality assurance audits.

Cross-Functional & Technical Alignment

• Partner with Legal, Risk, Operations, Engineering, and other technical teams on system enhancements, automation, scalable controls, and regulatory compliance.

Continuous Improvement

• Maintain an issue inventory to optimize dispute workflows, data updates, and operational efficiency.
• Drive change management and cross-departmental collaboration.

Requirements

• Bachelor’s degree and 7+ years of professional experience at a consumer-lending organization, including leadership of an FCRA/Metro 2-related function.
• 5+ years in a supervisory or leadership role managing line-of-business processes for monthly FCRA file transmission.
• Experience with FCRA compliance, credit bureau disputes, enterprise-level process management, and oversight of related outputs.
• Knowledge of consumer financial laws and regulations, including ECOA, TCPA, FCRA, TILA, UDAAP, and FDCPA.
• Enterprise-level experience managing the eOscar dispute platform.
• Understanding of consumer loan underwriting, servicing, collections, and vendor relationships with major CRAs.
• Ability to manage processes against strict regulatory deadlines.
• Experience analyzing large datasets for compliance criteria.
• Understanding of software development concepts and hands-on experience with LoanPro.
• Ability to manage high-volume work queues and multidisciplinary tasks while adapting to changing software, guidelines, and processes.

Compensation & Benefits

• Base salary: $140,000–$155,000.
• Stock option package.
• Medical, dental, and vision coverage.
• Parental leave.
• Flexible time off.
• 401(k) with company match.
• Educational assistance and tuition reimbursement up to $3,000 per year.
• Life insurance and short- and long-term disability coverage.
• Ancillary benefits, including accident and hospital insurance.
• Wellhub wellness benefit.
• Recreational safety benefit.