Credit Bureau Specialist: Disputes & Compliance Pro

PenFed Credit Union; Omaha (NE); On-site; USD 25,000 - 40,000; Full time

Job summary

PenFed Credit Union in Omaha, NE is hiring a Credit Bureau Specialist to investigate and respond to credit bureau disputes onsite at our Service Center. The role requires an Associate’s degree and at least 2 years in credit bureau processes, with knowledge of consumer loan origination practices.

The specialist will ensure compliance with FCRA and Metro II guidelines, work with bureaus, and provide accurate dispute resolutions, while maintaining strong communication with internal and external

Qualifications

• Associate degree is required.
• Minimum of two years of experience in credit bureau processes.
• Knowledge of consumer loan origination practices is required.
• Detail-oriented, resourceful and able to manage shifting priorities, with the flexibility to adapt quickly to change.
• Strong analytical and problem-solving skills.
• Ability to self-motivate with little oversight.
• Ability to communicate with internal and external teams.
• Experience in using AI tools preferred.

Responsibilities

• Perform quality control on direct and indirect disputes resolved by credit dispute specialists.
• Partner with third-party vendors to enhance processes, training and QC processed disputes.
• Assist in providing resolution to any inaccuracies identified.
• Act as a point of contact regarding credit bureau dispute processing.
• Answer inbound calls related to credit bureau issues and questions.
• Partner with the credit bureaus (Experian, Equifax, TransUnion, Innovis) on account resolutions.
• Assist with validating the monthly credit reporting file for accuracy and integrity.
• Maintain current knowledge of FCRA and Metro II Guidelines.
• Identify gaps in department processes and procedures, suggesting improvements to leadership.
• Participate in department projects and audits as needed.
• Assist with audits by internal auditors, third party and regulator audits.
• Assist in answering member concerns regarding credit bureau disputes and outcomes.
• Determine legitimacy and outcome of disputes and communicate status to members in writing.
• Maintain understanding of state and federal laws related to credit union compliance.

Skills

Detail-oriented

Analytical skills

Communication skills

Self-motivated

Adaptability

AI tools experience

Education

Associate's degree in business or related field

Tools

AI tools

Job description

PenFed Credit Union in Omaha, NE is hiring a Credit Bureau Specialist to investigate and respond to credit bureau disputes onsite at our Service Center. The role requires an Associate’s degree and at least 2 years in credit bureau processes, with knowledge of consumer loan origination practices.

The specialist will ensure compliance with FCRA and Metro II guidelines, work with bureaus, and provide accurate dispute resolutions, while maintaining strong communication with internal and external