Senior Credit Bureau Reporting Manager

Citizens Financial; Johnston (RI); On-site; USD 120,000 - 160,000; Full time

Job summary

Citizens Financial in Johnston, RI is seeking a Senior Credit Bureau Reporting Manager to lead a team of Compliance Officers, oversee tradeline testing across multiple systems, and ensure testing aligns with established procedures and governance. The role partners with Compliance Managers to provide insights, monitor risks, and drive remediation while ensuring compliance with FCRA and Metro 2 standards.

Strong leadership and communication are essential to guide data accuracy and reporting at the

Qualifications

• 5-7+ years of experience in Credit Bureau Reporting, FCRA Compliance, Risk Management, Quality Assurance, Testing, or related disciplines.
• 3+ years of leadership experience managing teams and delivering results.
• Understanding and working knowledge of Fiserv, ALS, TSYS, MSP, Debt Manager servicing platforms
• Understanding and working knowledge of Chex System & EWS
• Strong understanding of Fair Credit Reporting Act (FCRA) requirements and Metro 2 reporting standards.
• Experience performing testing, monitoring, quality assurance, or oversight activities.
• Strong analytical, problem-solving, and organizational skills.
• Excellent written, verbal, and executive communication skills.
• Thorough understanding of all federal and state regulatory requirements related to the Fair Credit Reporting Act and Data Furnishing.

Responsibilities

• Lead and oversee tradeline testing activities across multiple systems of record.
• Ensure testing is executed in accordance with established procedures and governance requirements.
• Review test results for completeness, accuracy, and quality.
• Monitor testing outcomes and identify trends, observations, and potential concerns.
• Ensure testing documentation is maintained and available for management review.
• Oversee critical reject monitoring and reporting processes.
• Review reject trends, emerging issues, and recurring themes.
• Evaluate the impact of critical rejects on credit bureau reporting performance.
• Escalate significant findings and concerns through established governance channels.
• Prepare reporting and analysis for leadership and Compliance Managers.
• Consolidate testing results, monitoring outcomes, and key observations.
• Provide reporting and actionable insights to Compliance Managers responsible for oversight of credit reporting activities.
• Identify emerging risks, control weaknesses, and process improvement opportunities.
• Support governance routines, issue management discussions, and oversight reviews.
• Lead, coach, and develop a team of Compliance Officers.
• Establish priorities, performance expectations, and development plans.
• Ensure consistency in testing, monitoring, documentation, and reporting activities.
• Foster a culture of accountability, collaboration, and continuous improvement.

Skills

Credit Bureau Reporting

Leadership

FCRA Compliance

Analytics

Testing & QA

MS Office

Education

Bachelor's Degree preferred

Tools

Fiserv

ALS

TSYS

MSP

Debt Manager

Chex System

EWS

Job description

At Citizens, our mission is to help customers, colleagues, and communities reach their potential.

As a Senior Credit Bureau Reporting Manager, you will lead a team responsible for monitoring, testing, and oversight activities that support the accuracy, integrity, and performance of credit bureau reporting across multiple systems of record.

This role manages a team of five Compliance Officers and is responsible for leading tradeline testing, critical reject monitoring, trend analysis, and reporting. The Senior Manager provides meaningful insights and reporting to Compliance Managers and partners with them to support remediation and corrective action activities through analysis, validation, monitoring, and executive reporting. This role enables effective oversight of credit reporting changes, testing outcomes, furnishing performance, and emerging risks across the enterprise.

Primary Responsibilities

Tradeline Testing Oversight

• Lead and oversee tradeline testing activities across multiple systems of record.
• Ensure testing is executed in accordance with established procedures and governance requirements.
• Review test results for completeness, accuracy, and quality.
• Monitor testing outcomes and identify trends, observations, and potential concerns.
• Ensure testing documentation is maintained and available for management review.

Critical Reject Monitoring

• Oversee critical reject monitoring and reporting processes.
• Review reject trends, emerging issues, and recurring themes.
• Evaluate the impact of critical rejects on credit bureau reporting performance.
• Escalate significant findings and concerns through established governance channels.
• Prepare reporting and analysis for leadership and Compliance Managers.

Compliance Reporting & Oversight Support

• Consolidate testing results, monitoring outcomes, and key observations.
• Provide reporting and actionable insights to Compliance Managers responsible for oversight of credit reporting activities.
• Identify emerging risks, control weaknesses, and process improvement opportunities.
• Support governance routines, issue management discussions, and oversight reviews.

Team Leadership

• Lead, coach, and develop a team of Compliance Officers.
• Establish priorities, performance expectations, and development plans.
• Ensure consistency in testing, monitoring, documentation, and reporting activities.
• Foster a culture of accountability, collaboration, and continuous improvement.

Required Qualifications

• 5-7+ years of experience in Credit Bureau Reporting, FCRA Compliance, Risk Management, Quality Assurance, Testing, or related disciplines.
• 3+ years of leadership experience managing teams and delivering results.
• Understanding and working knowledge of Fiserv, ALS, TSYS, MSP, Debt Manager servicing platforms
• Understanding and working knowledge of Chex System & EWS
• Strong understanding of Fair Credit Reporting Act (FCRA) requirements and Metro 2 reporting standards.
• Experience performing testing, monitoring, quality assurance, or oversight activities.
• Strong analytical, problem-solving, and organizational skills.
• Excellent written, verbal, and executive communication skills.
• Thorough understanding of all federal and state regulatory requirements related to the Fair Credit Reporting Act and Data Furnishing.
• Ability to independently lead in depth FCRA discussions across the various product lines
• Intermediate to advanced level experience successfully utilizing Microsoft Office Suites including Word, Outlook, Excel & PDF Creation/ Conversion.

Preferred Qualifications

• Bachelor's Degree preferred
• Experience supporting enterprise credit bureau furnishing programs.
• Experience monitoring critical reject activity and reporting trends.
• Experience supporting regulatory examinations, audits, or compliance reviews.
• Knowledge of credit reporting systems, dispute processes, and furnishing controls.
• Experience in bankruptcy & charge off
• Demonstrated past job history stability

Success Measures

• Timely and accurate completion of tradeline testing activities.
• Effective monitoring and reporting of critical reject trends.
• High-quality reporting and insights provided to Compliance Managers.
• Consistent execution of testing and monitoring processes across systems of record.
• Identification and escalation of emerging risks and control concerns.
• Development and engagement of a high-performing Compliance Officer team.

Direct Reports

• Tradeline testing execution.
• Critical reject monitoring.
• Testing documentation and evidence collection.
• Trend analysis and reporting.
• Identification and escalation of observations and potential risks.
• Support of governance, audit, and ove