Credit Bureau Dispute Specialist (US)

Credit Bureau Dispute Specialist

The Credit Bureau Dispute Specialist researches 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 company's 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 :

Physical Requirements :

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 world's 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 95,000 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 you've 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, we're here to support you towards your goals. As an organization, we keep growing and so will you.

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.