Credit Reporting & Disputes Manager Larcher 5309

Keesler Federal Credit Union; Biloxi (MS); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

Section 125 Flexible Spending Accounts

Employee and Dependent Life Insurance

401(k) Retirement Plan with 100% match

Tuition Reimbursement and Competitive

Short-Term & Long-Term Disability

Employee Assistance Program

Job summary

Keesler Federal Credit Union at Biloxi, MS seeks a Credit Reporting & Disputes Manager to lead the credit reporting program, ensure compliance, and oversee dispute resolution. The role partners with bureaus, regulators, and vendors to strengthen controls and data integrity.

The position emphasizes supervisory responsibilities, regulatory compliance across FCRA and CFPB guidance, and ongoing process improvements in reporting operations.

Qualifications

• Bachelor’s Degree in a related field or equivalent combination of education and experience.
• Minimum of 3 years of credit reporting, loan servicing, or related financial institution functions.
• Minimum of 1 year of leadership or supervisory experience.
• Experience with Metro 2 reporting standards.
• Experience with e-OSCAR dispute processing.

Responsibilities

• Oversee credit reporting activities to ensure timely, accurate furnishing of consumer information to bureaus.
• Manage consumer dispute investigations via members, agencies, regulators, and e-OSCAR with timely resolution.
• Serve as liaison with credit bureaus, regulators, auditors, legal counsel, and vendors.
• Establish and maintain QA processes, data integrity reviews, and exception reporting.
• Analyze reporting trends, perform root cause analysis, and implement corrective actions.
• Act as escalation point for complex reporting issues and regulatory concerns.
• Collaborate with Compliance to ensure adherence to FCRA, FACTA, CFPB guidance.
• Develop procedures and training materials supporting reporting activities.

Skills

Leadership / Supervisory

Credit reporting

Metro 2 reporting

e-OSCAR

Regulatory compliance awareness

Education

Bachelor’s Degree in related field

Tools

Microsoft Office

Credit union systems (Symitar)

Job description

Credit Reporting & Disputes Manager Larcher 5309

Job Category: Consumer Lending

Requisition Number: CREDI004573

• Posted : October 22, 2026
• Full-Time
• Hybrid

Locations

Showing 1 location

Larcher Branch
600 Larcher Blvd
Keesler AFB
Biloxi, MS 39534, USA

Description

JOIN THE KEESLER FEDERAL CREDIT UNION TEAM!

Keesler Federal Credit Union team membersenjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental, and vision insurance
• Section 125 Flexible Spending Accounts for Health Care and Dependent Care expenses
• Employee and Dependent Life Insurance
• 401(k) Retirement Plan with 100% match on the first 5% contributed by you
• Tuition Reimbursement and Competitive Scholarships
• Short-Term & Long-Term Disability Benefits
• Employee Assistance Program

Position: Credit Reporting & Disputes Manager

Reports To: Director of Consumer Loan Servicing and Portfolio Performance

FLSA: Exempt

sUMMARY

The Credit Reporting & Disputes Manager oversees the credit union's consumer credit reporting program, ensuring the accuracy, consistency, and regulatory compliance of information furnished to consumer reporting agencies. This role provides oversight of credit reporting operations, including dispute resolution, vendor oversight, data integrity, compliant resolution, quality assurance, regulatory compliance, and operational controls. The position is responsible for identifying trends, investigating root causes, mitigating risk, and driving corrective actions to strengthen reporting practices and ensure ongoing compliance with applicable laws and regulations.

SUPERVISORY RESPONSIBILITIES

Performs supervisory duties in accordance with the credit union's policies and procedures and all applicable federal, state, and local laws. Responsibilities include participating in the recruitment, interview, selection, and onboarding of employees; providing training and development; planning, assigning, and overseeing work; evaluating performance; coaching and counseling employees; administering recognition and corrective actions as appropriate; responding to employee concerns and supporting issue resolution; and supporting employment actions such as promotion, transfer, demotion, or separation in accordance with established policies and legal requirements.

ESSENTIAL FUNCTIONS

• Oversees all credit reporting activities to ensure the timely, accurate, and compliant furnishing of consumer credit information, including Metro 2 reporting and bureau requirements.
• Oversees consumer dispute investigations received through members, consumer reporting agencies, regulators, attorneys, and e-OSCAR, ensuring timely resolution in accordance with regulatory requirements.
• Serves as the primary liaison with credit bureaus, e-OSCAR, regulators, auditors, legal counsel, and third-party vendors regarding credit reporting matters.
• Establishes and maintains quality control processes, data integrity reviews, reconciliations, and exception reporting to identify reporting inaccuracies, operational risks, and systemic issues.
• Analyzes reporting trends, performs root cause analysis, and implements corrective actions to improve reporting accuracy, strengthen controls, and mitigate risk.
• Serves as the primary escalation point for complex credit reporting matters, including disputes, furnishing issues, and regulatory concerns.
• Partners with Compliance to ensure adherence to FCRA, FACTA, CFPB guidance, and other applicable federal and state regulations.
• Oversees specialized reporting situations, including bankruptcy, fraud, identity theft, deceased member, and SCRA accounts, to ensure accurate furnishing.
• Develops and maintains procedures, controls, training materials, and operational documentation supporting credit reporting activities.
• Establishes key performance indicators, monitors reporting accuracy and dispute trends, and prepares management reporting on performance, quality, and operational risks.
• Coordinates audits, regulatory examinations, system changes, testing efforts, and remediation activities impacting credit reporting.
• Provides subject matter expertise and strategic guidance regarding credit reporting compliance, operational risk, process improvement, automation, and reporting strategy.
• Maintains records supporting investigations, corrections, and regulatory compliance.
• Performs additional duties and special projects as assigned.
• Responsible for compliance with all Federal regulations, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).

Other Duties and Responsibilities:

• Other duties as assigned.

KNOWLEDGE AND SKILLS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.The requirements listed below are representative of the knowledge, skills, and/or abilities required.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• Bachelor’s Degree in a related field or equivalent combination of education and experience which demonstrates the ability to perform the functions of the position required.

Experience and Other Requirements:

• Minimum of 3 years of similar or related credit reporting, loan servicing, collections, compliance, lending operations, or related financial institution functions experience required.
• Minimum of 1 year of leadership or supervisory experience required.
• Experience managing consumer dispute investigations and bureau furnishing operations required.
• Experience of Metro 2 reporting standards required.
• Experience with e-OSCAR dispute processing required.
• Experience supporting audits and regulatory examinations preferred.
• Symitar experience preferred.
• People Development - Must be able to assess team capabilities, identify skill gaps, and develop talent to build high-performing teams and support organizational success.
• Results Orientation - Must be able to drive results by maintaining accountability, overcoming obstacles, and leading teams to achieve organizational goals and performance objectives.
• Decision Making - Must be able to make strategic decisions, balance employee and business needs, and guide teams through complex situations to achieve organizational objectives.
• Critical Thinking - Must be able to analyze information, identify patterns and root causes, evaluate complex situations, and develop effective solutions to support business objectives.
• Analytical Thinking - Must be able to evaluate information, apply logical reasoning, and develop effective solutions to achieve desired outcomes.

Computer Skills:

• Proficient in the use of computers and standard office technology, including Microsoft Office applications (Word, Excel, Outlook, and Teams).

Certificates, Licenses, and Registrations:

• Certified Consumer Credit Compliance Professional (CCCP) preferred
• Consumer Data Industry Association (CDIA) Metro 2® training/certification preferred

Interpersonal Skills:

Demonstrates the ability to interact professionally and respectfully with members, coworkers, and external partners. Communicates information clearly and effectively, both verbally and in writing, and listens attentively to understand questions or concerns. Maintains a courteous, cooperative, and service-oriented approach in a variety of work situations, including those involving differing perspectives or needs. Builds positive working relationships and contributes to a collaborative, inclusive, and member-focused environment.

PHYSICAL DEMANDS

The physical demands described below are representative of those that may be associated with performing the essential functions of this position. The essential functions of this role can be performed with or without reasonable accommodation, in accordance with the Americans with Disabilities Act (ADA) and applicable federal, state, and local laws.

While performing the duties of this job, the employee may be required to remain in a stationary position for extended periods, move within the work environment, and operate a computer and other standard office equipment. Job duties may also involve the use of hands and arms to operate tools, devices, or controls, and to exchange information using various communication methods. Occasional postural activities such as bending, kneeling, crouching, or stooping may be required. The position may occasionally require lifting or moving items weighing up to 15 pounds.

WORK ENVIRONMENT

The work environment is primarily a professional office or branch setting, with a focus on member service and collaboration. The role may require working in shared workspaces and interacting with members, coworkers, and vendors through various communication methods. Work may involve extended periods of sitting or standing, repetitive motions such as computer or device use, and occasional movement throughout the facility.

The essential functions of the position can be performed with or without reasonable accommodation, in accordance with applicable federal, state, and local laws, including the Americans with Disabilities Act (ADA).

DECLARATION

The Human Resources department retains the sole right and discretion to make changes to this job description.

#LPIND

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.