Senior Specialist, Credit Operations

FNBO

Disputes Senior Specialist investigating and resolving consumer credit bureau disputes per FCRA requirements. Responsible for processing dispute requests and conducting thorough investigations within regulatory timeframes.

Posted 4/30/2026full-timeOmaha • New York • 🇺🇸 United StatesSenior💰 $41,116 - $65,787 per yearWebsite

About the role

Key responsibilities & impact

Investigates and resolves consumer credit bureau disputes in compliance with the Fair Credit Reporting Act (FCRA)
Processes disputes through the e-OSCAR system within strict regulatory timeframes (30-45 days)
Conducts thorough investigations, determines credit reporting accuracy, and coordinates corrections with credit bureaus
Maintains quality assurance standards and passes required compliance testing with 80% or higher
Works independently to process ACDV (Automated Consumer Dispute Verification) and direct dispute requests through the e-OSCAR system
Collaborates with customers, credit bureaus, and internal partners on dispute resolution
Performs thorough account research, verifies credit reporting accuracy, and documents all dispute investigations and resolutions

Requirements

What you’ll need

High school diploma or equivalent required
Associate's or Bachelor's degree in Business Administration, Finance, or related field preferred
2-4 years of experience in credit operations, banking, or financial services required
1-2 years of experience in consumer disputes, credit bureau reporting, or compliance roles preferred
Strong understanding of Fair Credit Reporting Act (FCRA) requirements and consumer credit bureau dispute regulations
Analytical and investigative skills to conduct thorough, reasonable investigations and determine credit reporting accuracy
Excellent attention to detail and accuracy in reviewing account data, dispute documentation, and credit bureau reporting
Strong time management skills with ability to meet strict regulatory timeframes (30-45 day investigation periods)
Proficient written communication skills for customer correspondence, dispute resolution letters, and system documentation
Ability to work independently while collaborating effectively with internal departments and external partners
Strong problem-solving skills to resolve complex dispute situations and implement appropriate remediation

Benefits

Comp & perks

Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

e-OSCARACDVcredit reporting accuracydispute resolutioncompliance testing

Soft Skills

analytical skillsinvestigative skillsattention to detailtime managementproblem-solvingwritten communicationindependent workcollaboration

Certifications

high school diplomaAssociate's degreeBachelor's degree