Credit Reporting Compliance Manager

Citizens Financial; Johnston (RI); Sur place; USD 120 000 - 180 000; Plein temps

Résumé du poste

Citizens Financial in Johnston, RI is seeking a Credit Reporting Compliance Manager to serve as the subject matter expert for FCRA, Metro 2, ChexSystems, and EWS reporting. You will oversee consumer reporting obligations across CRAs, lead issue management, data integrity, and remediation activities while partnering with Operations, Technology, Risk, Legal, Audit, and external vendors.

The role requires strong regulatory expertise, analytical acumen, and the ability to influence stakeholders

Qualifications

• Strong regulatory expertise in FCRA, Metro 2, CRRG, ChexSystems, and EWS reporting requirements.
• Oversight of consumer reporting activities across multiple platforms and vendors.
• Ability to identify and mitigate reporting risks and validate customer impact assessments.

Responsabilités

• Oversee FCRA compliance and Metro 2 reporting standards.
• Govern ChexSystems and EWS reporting programs with governance routines.
• Lead remediation activities for credit reporting issues and regulatory findings.
• Prepare analyses supporting investigations and regulatory inquiries.
• Develop executive reporting on compliance risks and remediation progress.

Connaissances

Regulatory expertise

Analytical skills

Leadership

Stakeholder influence

Description du poste

At Citizens, we're more than a bank, and you'll feel valued for who you are and supported in achieving what's important to you, both personally and professionally.

As a Credit Reporting Compliance Manager , you will serve as the subject matter expert responsible for overseeing Citizens' consumer reporting obligations across traditional Credit Reporting Agencies (CRAs), ChexSystems , and Early Warning Services (EWS) . This role provides leadership and oversight for Fair Credit Reporting Act (FCRA) compliance, Metro 2 reporting, data integrity, issue management, customer impact assessments, and remediation activities.

The Credit Reporting Compliance Manager will partner closely with Operations, Business Lines, Technology, Risk Management, Compliance, Legal, Audit, and third-party vendors to ensure the accuracy, integrity, and regulatory compliance of information furnished to consumer reporting agencies. The role is accountable for identifying and mitigating reporting risks, challenging business assumptions, validating customer impact assessments, overseeing corrective actions, and ensuring sustainable controls are operating effectively across all systems of record.

This position requires strong regulatory expertise, analytical capabilities, leadership skills, and the ability to influence stakeholders across multiple business functions while driving a strong culture of regulatory compliance and operational excellence.

Primary Responsibilities

Credit Reporting Compliance & Regulatory Oversight

• Serve as the primary subject matter expert for Fair Credit Reporting Act (FCRA) requirements, Metro 2 reporting standards, CDIA Credit Reporting Resource Guide (CRRG) requirements, ChexSystems standards, and Early Warning Services (EWS) reporting requirements.
• Provide oversight of consumer reporting activities across Citizens' servicing and reporting platforms, including ALS, MSP, TSYS, Debt Manager, Citizens Pay, ChexSystems, and EWS.
• Ensure compliance with applicable federal and state consumer reporting regulations and enterprise policies.
• Monitor the accuracy, completeness, and integrity of consumer data furnished to Credit Reporting Agencies and Specialty Consumer Reporting Agencies.
• Support implementation and interpretation of changing regulatory requirements and industry standards.

ChexSystems & EWS Governance

• Serve as the primary oversight manager for Citizens' ChexSystems and EWS reporting programs.
• Establish and maintain governance routines, monitoring processes, oversight controls, and reporting for Specialty Consumer Reporting Agencies.
• Monitor furnishing activity, performance metrics, exceptions, suppressions, data quality concerns, and operational risks associated with ChexSystems and EWS reporting.
• Review customer complaints, disputes, trends, and regulatory concerns involving Specialty CRA reporting.
• Ensure reporting processes align with Appendix E expectations for oversight, monitoring, issue management, governance, data integrity, and sustainable controls.
• Partner with business lines and technology teams to strengthen Specialty CRA reporting controls and monitoring capabilities.

Issue Management & Remediation

• Own and oversee operational risk issues, regulatory observations, audit findings, and remediation activities related to consumer reporting.
• Lead root cause analysis efforts and develop remediation strategies for credit reporting and Specialty CRA issues.
• Review and challenge business line assumptions, customer impact assessments, remediation approaches, and corrective action plans.
• Approve population identification methodologies, testing approaches, and issue resolution strategies.
• Assess remediation effectiveness and provide closure readiness approval recommendations.
• Escalate significant risks, trends, and emerging concerns to senior leadership.

Customer Impact Assessment & Analysis

• Prepare or oversee detailed analyses supporting investigations, remediation efforts, audits, examinations, and regulatory inquiries.
• Identify impacted customer populations utilizing approved methodologies and data analysis techniques.
• Review and validate customer impact assessments, harm determinations, and correction-file strategies.
• Evaluate trends, exceptions, and control performance to proactively identify risks and opportunities for improvement.
• Ensure supporting documentation is maintained and available for management, audit, compliance, and regulatory review.

Governance, Monitoring & Executive Reporting

• Lead governance activities supporting enterprise credit reporting and Specialty CRA oversight.
• Monitor furnishing performance, critical rejects, reconciliation results, customer disputes, suppressions, and control effectiveness.
• Develop and present executive-level reporting regarding compliance risks, issue status, remediation progress, and emerging trends.
• Support internal audits, regulatory examinations, compliance reviews, and governance committees.
• Track and report key performance indicators, risk metrics, an