Credit Dispute Research Specialist II

Duration - 4 Months+

The Credit Dispute Research Specialist II thoroughly and accurately investigates and responds to credit bureau disputes received via e-OSCAR or directly from our customers within regulatory timeframes.

The Credit Dispute Research Specialist also reviews various reports to troubleshoot credit bureau reporting issues.

PRIMARY DUTIES:
You will investigate credit bureau disputes received via e-OSCAR as well as written disputes received directly from customers using Mortgage systems, policies and procedures.

You will add pertinent information to pre-approved letters to respond to disputes received directly from our customers.

You will thoroughly document information relevant to the dispute details and resolution in the system of record.
You will build relationships and effectively communicate across departments within Citizens to request system updates as well as obtain information relevant to resolving our customer’s credit bureau dispute.
You will review various reports to troubleshoot credit bureau reporting issues prior to the monthly file run.
At times, you will participate in projects to review and investigate historical credit bureau reporting and make updates as needed.
Although the vast majority of disputes do not require telephone contact, occasionally you will need to provide effective communication when making inquiries and to follow up with customers.
You will receive training to remain up-to-date on credit bureau industry knowledge.

QUALIFICATIONS
Problem-solving skills, accuracy, attention to detail, and having an analytical mindset while reviewing and investigating disputes is critical.
The ability to function in a team environment, work independently, and organize your time to meet dispute resolution deadlines is a necessity.
The ability to write and speak effectively and professionally is a must.
2-5 years of experience in the financial industry is preferred.
Mortgage industry experience is preferred.
Previous experience in complaint resolution, bankruptcy, loss mitigation, foreclosure or fraud is a plus.
Previous experience researching and resolving credit bureau disputes is a plus.
Bachelor’s or Associate’s degree preferred. High school diploma with applicable work experience is acceptable.