Fair Credit Reporting Act Director

Randolph-Brooks Federal Credit Union; San Antonio (TX); On-site; USD 150,000 - 220,000; Full time

Benefits offered by this job

401(k) match up to 10%

Competitive pay

Medical, vision, dental coverage

Job summary

Randolph-Brooks Federal Credit Union seeks an FCRA SCR A Director to oversee governance for the company’s credit reporting programs. You will ensure data accuracy, regulatory alignment, and enterprise risk management across SCRA/FCRA activities.

You will lead program managers, coordinate with regulators, and report on performance and remediation efforts. A Master’s degree and strong leadership in compliance are required.

Qualifications

• Master’s degree required; 7 years combined financial institution and compliance experience or 13 years in lieu of a degree.
• Minimum of 3 years management experience.
• Experience with compliance reporting, data analytics and issue management.
• Broad knowledge of ASCII, CDIA, CRRG, Metro 2 reporting, and SCRA.
• Ability to interpret laws/regulations and provide practical recommendations.
• Excellent communication and interpersonal skills; strong organizational abilities.

Responsibilities

• Lead SCRA, FCRA, and data furnishing programs including Metro 2 reporting.
• Set governance, strategy, objectives and performance expectations for compliance programs.
• Oversee accuracy/integrity of data furnished to agencies and dispute outcomes.
• Design controls for reporting accuracy; ensure risk-based effectiveness.
• Manage enterprise-level FCRA/SC R A issue tracking, remediation and risk.
• Serve as primary regulator/auditor contact and respond to inquiries/exams.
• Provide executive reporting on program performance, risks, and trends.

Skills

Regulatory compliance

Data analytics

Credit reporting

Leadership

Communication

Project management

Education

Master’s Degree

Job description

Job Description and Requirements

The Fair Credit Reporting Act Director is responsible for the strategic oversight, governance, and performance of the credit union’s Fair Credit Reporting Act (FCRA) and Servicemembers' Civil Relief Act (SCRA) programs. FCRA oversight includes data furnishing and credit accuracy functions. This role ensures the accuracy, integrity, and completeness of consumer reporting data, alignment with regulatory requirements, and integration with the organization’s Compliance Management System (CMS). The FCRA Director is accountable for program effectiveness, risk management, enterprise-level issue resolution related to credit reporting activities, and other duties as assigned.

Essential Functions and Responsibilities

• Provide accountable leadership and oversight for the SCRA, FCRA, and data furnishing programs, including Metro 2/American Standard Code for Information Interchange (ASCII) reporting, credit accuracy, disputes, corrections, and reporting alignment.
• Establish and maintain policies, procedures, governance structures, strategy, objectives, and performance expectations to support SCRA, FCRA, Regulation V, CMS, and enterprise risk management alignment.
• Oversee data furnishing accuracy, completeness, integrity, and validation for information furnished to consumer reporting agencies, including alignment between furnished data and dispute investigation outcomes.
• Design, implement, and evaluate controls for credit reporting accuracy and integrity, ensuring controls are risk-based, effective, and aligned with regulatory expectations.
• Oversee enterprise-level SCRA and FCRA issue management, including prioritization, root cause analysis, remediation strategies, backlog monitoring, timelines, and risk exposure.
• Serve as primary contact for regulators, auditors, and third-party vendors on SCRA and FCRA matters; interpret SCRA, FCRA, Regulation V, ASCII, Consumer Data Industry Association (CDIA), and Consumer Reporting Resource Guide (CRRG) requirements; and support timely responses to inquiries, exams, and complaints.
• Provide executive reporting on program performance, risks, remediation status, emerging trends, control effectiveness, FCRA compliance, and data integrity.
• Provide compliance oversight for decisions within authority, ensuring due diligence is completed before projects, products, or process changes are implemented.
• Oversee compliance-related administration and implementation of software and technology supporting department productivity and operations.
• Lead Credit Accuracy and FCRA Program Managers, Team Leads and supporting staff, by defining roles, managing performance, supporting workforce planning, and providing resources, training, coaching, and development.
• All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).

Requirements

• Master’s Degree Minimum of 7 years combined financial institution and compliance experience OR 13 years combined financial institution and compliance experience in lieu of degree
• Minimum of 3 years management experience
• Experience with compliance reporting, data analytics and compliance issue management
• Broad knowledge of the ASCII, CDIA, CRRG, Metro 2 reporting, and SCRA
• Ability to conduct thorough research, interpret and understand laws and regulations and provide practical recommendations and solutions
• Excellent communication and interpersonal skills; as well as influencing abilities
• Excellent organization and time management skills; accustomed to working with deadlines
• Strong leadership, staff management and project management skills
• Strong problem solving, critical thinking, and change management skills
• Ability to leverage advanced business/analytical knowledge to lead discussions with cross-functional teams to understand highly complex business objectives and influence solution strategies
• Ability to work independently given minimal direction; self-motivated with desire to be a team player in a constructive environment

Preferred

• Experience with BSA, ECOA, Fair Lending, FCRA, FDCPA, MLA, OFAC, SCRA, and TILA
• FCRA Certificate for Data Furnishers, or similar FCRA compliance certification
• Experience with financial institutions larger than $10 billion in assets and exposure to oversight by the Consumer Financial Protection Bureau (CFPB)

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.

Careers at RBFCU

Established in 1952, Randolph-Brooks Federal Credit Union is a full-service financial cooperative whose mission is to improve members’ economic well-being and quality of life. With assets exceeding $19.6 billion, RBFCU serves more than 1.1 million members at branches throughout Texas and Oklahoma, and online at rbfcu.org and the RBFCU Mobile app. Recognized for financial stability, our credit union has consistently received the highest ratings of “Five Star” and “Superior” from respected organizations that evaluate financial institutions in the United States. We’re frequently recognized as one of the best workplaces on a local and national level.

Benefits

• 401(k) with matching incentives up to 10 percent
• Competitive pay
• Medical, vision and dental benefits available to employees and their families from the first day of employment
• Tuition reimbursement plans
• Life insurance