Consumer Reporting Specialist I - Credit Bureau Disputes

Job Description

Purpose of Job

USAA is looking for a Consumer Reporting Specialist I to work in the Phoenix Campus or 100% remote work environment. #FSB
Within defined guidelines and framework, responsible for responding to and validating credit bureau reporting for members. Researches credit reporting issues utilizing applicable tools to perform a quality assessment and provide resolution in a timely manner and with superior customer experience.

Job Requirements

About USAA

USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

In each of the past five years, we've been a top-40 Fortune 100 Best Companies to Work For®, and we've ranked among Victory Media's Top 10 Military Friendly® Employers 13 years straight. We embrace a robust veteran workforce and encourage veterans and veteran spouses to apply.

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• Identifies and manages existing and emerging risks that stem from business activities and the job role.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled.
• Follows written risk and compliance policies and procedures for business activities.
• Researches moderately complex member credit report inquires for all types of banking products utilizing a variety of credit bureau reporting tools such as websites, e-Oscar website, and systems.
• Performs validation of the credit bureau reporting and monitors the quality of reporting and provides dispute resolution.
• Leverages developing business and analytical knowledge to identify innovative solutions to improve the consumer reporting processes, procedure, and/or strategy deficiencies.
• Assists with risk analysis to identify emerging trends and partners with strategy teams to develop countermeasures to identify, detect, and prevent potential risks.
• Identifies trends and recommends solutions to improve the effectiveness or efficiency of the consumer reporting process.
• Serves as a resource to team members on escalated issues and shares knowledge with team members.
• May research, resolve, and provide timely responses to complex requests that require Litigation/Legal review.
• May analyze complex credit bureau disputes and perform quality assurance assessments on completed disputes to ensure they were resolved accurately and within guidelines of banking and regulatory requirements.

Minimum Experience:

• High School Diploma or General Equivalency Diploma
• 2 years of experience in credit bureau reporting or experience in servicing bank products such as credit cards or consumer loans.
• Experience in payment history, payment extensions and reversals, bankruptcy, SCRA, repossession, collections, assumptions, etc.
• Multi-product banking industry experience (credit card, consumer lending, and home equity)
• Advanced knowledge of FCRA, FCBA, and FDCPA regulations.
• Banking system experience (ALS, FDR, and Portal).
• Advanced knowledge of credit bureau dispute process.

*Qualifications may warrant placement in a different job level*

When you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your responses.

Compensation:

USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market position. The salary range for this position is: $38,600.00 - $69,600.00*.

Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

Geographical Differential: Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

Shift premium will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours.

Benefits:

At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

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The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

At USAA our employees enjoy one of the best benefits packages in the business, including a flexible business casual or casual dress environment, comprehensive medical, dental and vision plans, along with wellness and wealth building programs. Additionally, our career path planning and continuing education will assist you with your professional goals.

Relocation assistance is not available for this position.

For Internal Candidates:

Must complete 12 months in current position (from date of hire or date of placement) or must have manager’s approval prior to posting.

Last day for internal candidates to apply to the opening is 2/18/21 by 11:59 pm CST time .