Credit Bureau Dispute Specialist

Work Location:

Greenville South Carolina United States of America

Hours:

0

Pay Details:

$23.25 - $30.75 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidates skills and experience job-related knowledge geographic location and other specific business and organizational needs.

As a candidate you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Product Management

Job Description:

The Credit Bureau Dispute Specialist researches FCRA direct and indirect credit bureau disputes; responds to customers and credit reporting agencies to ensure discrepancies are resolved and timely follow up occurs.

Depth & Scope:

• Handles sensitive consumer information (credit bureau data raw PII customer account information)
• Utilizes third party data sources internal systems and tools to research and analyze information to ensure accuracy of credit reporting
• Researches and responds to disputes received directly by mail or email
• Utilizes e-Oscar to quickly respond to indirect disputes in the way of Automated Consumer Dispute Verification (ACDV)
• Researches and actions feedback from the credit bureaus internal reporting and third parties to ensure accurate reporting
• Corrects inaccurate account information provided to CRAs and documents the resolution using internal systems and e-OSCAR
• Maintains a clear understanding of current internal credit-related policies and procedures as well as all applicable federal regulations and credit industry standards
• Adapts to and endorses change and serves as an agent of positive change to support goals and direction
• Demonstrates a strong commitment to meet or exceed external and internal expectations service and quality goals
• Able to work within a corporate environment understanding its structure and adhering to schedule and punctuality requirements
• Responsible for ensuring confidentiality of all aspects of the companys operations portfolio customer information and computer technology
• Must be able to work weekdays and weekend/overtime if required to ensure adherence to SLAs
• Engages internal/external partners to obtain pertinent account information
• Identifies and addresses process improvements based on day to-day observations and activities
• Responds to inquiries and assists in resolving problems/complaints
• Promotes a positive team environment by demonstrating professional behavior and respect for others
• Escalates more complex or unusual issues to lead or supervisory staff
• Performs additional responsibilities/duties as assigned by management

Education & Experience:

• Associates Degree or equivalent work experience
• 3 years in Financial Services
• Superior analytical problem solving and decision-making skills
• Excellent verbal written and interpersonal communication skills and ability to work well in a team environment
• Exceptional attention to detail and accuracy
• Ability to use/learn current technology and software applications related to position
• Dedicated self-directed and reliable
• Knowledgeable of state and federal laws and agencies applicable to collections including the Fair Credit Reporting Act (FCRA) and the Dodd-Frank Act
• Knowledge of Microsoft Excel and basic computer skills; 40 WPM and use of 10-Key pad

Preferred Qualifications:

• Credit reporting dispute resolution experience
• FCRA Experience

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel Occasional
• International Travel Never
• Performing sedentary work Continuous
• Performing multiple tasks Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds Occasional
• Sitting Continuous
• Standing Occasional
• Walking Occasional
• Moving safely in confined spaces Occasional
• Lifting/Carrying (under 25 lbs.) Occasional
• Lifting/Carrying (over 25 lbs.) Never
• Squatting Occasional
• Bending Occasional
• Kneeling Never
• Crawling Never
• Climbing Never
• Reaching overhead Never
• Reaching forward Occasional
• Pushing Never
• Pulling Never
• Twisting Never
• Concentrating for long periods of time Continuous
• Applying common sense to deal with problems involving standardized situations Continuous
• Reading writing and comprehending instructions Continuous
• Adding subtracting multiplying and dividing Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:
TD is one of the worlds leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day we deliver legendary customer experiences to over 27 million households and businesses in Canada the United States and around the world. More than 95000 TD colleagues bring their skills talent and creativity to the Bank those we serve and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers communities and colleagues.

TD is deeply committed to being a leader in customer experience that is why we believe that all colleagues no matter where they work are customer facing. As we build our business and deliver on our strategy we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether youve got years of banking experience or are just starting your career in financial services we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs were here to support you towards your goals. As an organization we keep growing and so will you.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g. eligibility for cash and/or equity incentive awards generally through participation in an incentive plan) and several other key plans such as health and well-being benefits savings and retirement programs paid time off (including Vacation PTO Flex PTO and Holiday PTO) banking benefits and discounts career development and reward and recognition. Learn more

Additional Information:
Were delighted that youre considering building a career with TD. Through regular development conversations training programs and a competitive benefits plan were committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If youre interested in a specific career path or are looking to build certain skills we want to help you succeed. Youll have regular career development and performance conversations with your manager as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience or you want to coach and inspire your colleagues there are many different career paths within our organization at TD and were committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that youve got everything you need to succeed in your new role.

Interview Process
Well reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin age disability status as a protected veteran or any other characteristic protected under applicable federal state or local law.

If you are an applicant with a disability and need accommodations to complete the application process please email TD Bank US Workplace Accommodations Program at . Include your full name best way to reach you and the accommodation needed to assist you with the applicant process.

Required Experience:

IC