Credit Bureau Disputes Specialist

TD; Mount Laurel Township (NJ); Sur place; USD 32 000 - 41 000; Plein temps

Résumé du poste

TD is seeking a Credit Bureau Dispute Specialist in Mount Laurel, NJ to research disputes and respond to customers and credit reporting agencies. You will use e-OSCAR and internal tools to ensure accurate reporting, maintain confidentiality, and meet SLAs while collaborating with internal/external partners.

The role requires 3+ years in financial services, strong analytical skills, and excellent communication. Flexibility for possible overtime and weekend coverage may be required.

Qualifications

• Associate degree or equivalent experience in financial services.
• 3+ years in financial services with strong analytical skills.
• Excellent written and verbal communication and teamwork abilities.
• Strong Excel skills.
• Excellent verbal and written communication.

Responsabilités

• Research direct and indirect credit bureau disputes and respond to customers and CRAs.
• Utilize e-OSCAR and internal systems to ensure accurate reporting and timely follow-up.
• Research, action feedback from bureaus and third parties for accurate reporting.
• Maintain confidentiality of sensitive consumer information and comply with SLAs.
• Escalate complex issues to supervisory staff as needed.

Connaissances

Analytical skills

Problem solving

Verbal & written communication

Attention to detail

Team collaboration

Formation

Associate's Degree or equivalent

Outils

e-OSCAR

Microsoft Excel

Description du poste

Work Location:Mount Laurel, New Jersey, United States of AmericaHours:40Pay Details:$23.25 - $30.75 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our 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.Line of Business:Product ManagementJob Description: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.Depth & Scope: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 reportingResearches and responds to disputes received directly by mail or emailUtilizes 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 reportingCorrects inaccurate account information provided to CRAs and documents the resolution using internal systems and e-OSCARMaintains a clear understanding of current internal credit-related policies and procedures, as well as all applicable federal regulations and credit industry standardsAdapts to and endorses change and serves as an agent of positive change to support goals and directionDemonstrates a strong commitment to meet or exceed external and internal expectations, service, and quality goalsAble to work within a corporate environment understanding its structure and adhering to schedule and punctuality requirementsResponsible for ensuring confidentiality of all aspects of the company’s operations, portfolio, customer information and computer technologyMust be able to work weekdays and weekend/overtime if required to ensure adherence to SLAsEngages internal/external partners to obtain pertinent account informationIdentifies and addresses process improvements based on day to-day observations and activitiesResponds to inquiries and assists in resolving problems/complaintsPromotes a positive team environment by demonstrating professional behavior and respect for othersEscalates more complex or unusual issues to lead or supervisory staffPerforms additional responsibilities/duties as assigned by managementEducation & Experience:Associate's Degree or equivalent work experience3+ years in Financial ServicesSuperior analytical, problem solving and decision-making skillsExcellent verbal, written, and interpersonal communication skills and ability to work well in a team environmentExceptional attention to detail and accuracyAbility to use/learn current technology and software applications related to positionDedicated, self-directed and reliableKnowledgeable of state and federal laws and agencies applicable to collections, including the Fair Credit Reporting Act (FCRA) and the Dodd-Frank ActKnowledge of Microsoft Excel and basic computer skills; 40+ WPM and use of 10-Key padPreferred Qualifications:Experience researching, investigating, and resolving credit bureau disputes related to retail credit card accounts.FCRA knowledgePhysical Requirements:Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%Domestic Travel – OccasionalInternational Travel – NeverPerforming sedentary work – ContinuousPerforming multiple tasks – ContinuousOperating standard office equipment - ContinuousResponding quickly to sounds – OccasionalSitting – ContinuousStanding – OccasionalWalking – OccasionalMoving safely in confined spaces – OccasionalLifting/Carrying (under 25 lbs.) – OccasionalLifting/Carrying (over 25 lbs.) – NeverSquatting – OccasionalBending – OccasionalKneeling – NeverCrawling – NeverClimbing – NeverReaching overhead – NeverReaching forward – OccasionalPushing – NeverPulling – NeverTwisting – NeverConcentrating for long periods of time – ContinuousApplying common sense to deal with problems involving standardized situations – ContinuousReading, writing and comprehending instructions – ContinuousAdding, subtracting, multiplying and dividing – ContinuousThe above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.Who We Are:TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.Our Total Rewards PackageOur Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn moreAdditional Information:We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.Colleague DevelopmentIf you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.Training & OnboardingWe will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.Interview ProcessWe’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.AccommodationTD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at [e-mail] . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.