Credit Bureau Reporting/FCRA Dispute Manager
Marqeta
full-time
Posted on:
Location Type: Remote
Location: United States
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Salary
💰 $123,000 - $180,900 per year
About the role
- Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring
- Ensure all reporting complies with Metro 2® specifications, FCRA/FACTA requirements, CFPB supervisory guidance, and bureau-specific rules.
- Establish and monitor daily, weekly, and monthly control routines to ensure reporting timeliness, completeness, and accuracy
- Serve as escalation owner for material reporting issues, missed SLAs, or consumer harm events
- Act as the business owner for FCRA compliance related to credit reporting and disputes, including documentation, controls, and issue management
- Oversee investigation and resolution of consumer credit reporting disputes within mandated regulatory timelines (e.g., 30/45-day requirements)
- Partner with Compliance and Legal to interpret regulatory changes, perform impact assessments, and drive implementation of required reporting or dispute process changes
- Lead preparation and response for regulatory exams, internal audits, and bureau audits, including evidence production, issue remediation, and management responses
- Maintain clear policies, procedures, and playbooks for bureau reporting, corrections, reinvestigations, and consumer remediation
- Design and operate preventive and detective controls to ensure bureau data accuracy and regulatory compliance
- Implement robust quality assurance, second-line testing support, and monitoring for reporting files and dispute outcomes
- Review exception reports, trend defects, and oversee root-cause analysis for systemic issues
- Own corrective action plans, ensuring sustainable fixes across upstream systems, processes, and vendors
- Partner with Technology and Data teams to strengthen data lineage, governance, and control documentation
- Lead initiatives to automate reporting and dispute workflows, reduce manual errors, and improve scalability
- Evaluate and enhance dispute management platforms, reporting tools, and validation controls
- Monitor industry trends, regulatory guidance, and Metro 2® updates to proactively improve processes
- Provide executive-level reporting and insights on dispute volumes, root causes, consumer outcomes, and regulatory risk indicators
Requirements
- Bachelor's degree in Finance, Accounting, Business, or related field; advanced degree preferred
- 5+ years of experience in credit bureau reporting, FCRA dispute management, credit risk operations, or regulatory compliance within financial services (credit card experience strongly preferred)
- Deep expertise in Metro 2®, FCRA, FACTA, CFPB expectations, and consumer dispute handling
- Demonstrated experience supporting regulatory exams, audits, and issue remediation
- Proven people leader with the ability to build and scale high-performing teams
- Strong analytical and problem-solving skills, with the ability to translate regulatory requirements into operational controls
- Excellent written and verbal communication skills, including experience presenting to senior leaders, auditors, and regulators
- Hands-on familiarity with credit bureau reporting systems, dispute platforms, and data validation tools.
Benefits
- Health insurance
- 401(k) matching
- Flexible work hours
- Paid time off
- Remote work options
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit bureau reportingFCRA compliancedispute managementdata validationregulatory compliancequality assuranceroot-cause analysisdata governancereporting automationconsumer remediation
Soft Skills
analytical skillsproblem-solving skillscommunication skillsleadershipteam buildingorganizational skillspresentation skillscollaborationissue managementprocess improvement