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Credit Bureau Dispute Specialist

Company: TD Bank
Location: Portland
Posted on: November 19, 2023

Job Description:

Job Title:
Credit Bureau Dispute Specialist
Company Overview:
Our Values
At TD, we're guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and behaviors. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career, and be part of our caring and inclusive culture.
Making Your Well-being a Priority
A caring and supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars - physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment, so colleagues feel a sense of belonging and feel supported in their personal and professional growth. Through our focus on well-being, we know that we can help our colleagues thrive, contribute to our culture of care, and support better business outcomes, because when colleagues feel their best, they're more likely to do their best.
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.
How We Work
At TD, we believe in-person connections fuel collaboration and collective creativity. Our workplace experience empowers colleagues to do great work side-by-side at TD locations, while offering flexibility to work remotely where it makes sense for the work and team. Our teams work in one of three workplace models: hybrid, onsite and primarily remote. Wherever our colleagues are working, they'll always have access to the TD community to experience our culture of care.
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.
Auto req ID:
Department Overview:
This position will be supporting Retail Card Services.
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.
United States, US TD Footprint
Job Requirements:

  • Associate's 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

  • Must be eligible for employment under regulatory standards applicable to the position.

    8AM to 430PM
    Job Details:

    • 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

      Our Commitment to Diversity, Equity, and Inclusion
      At TD, we're committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We're dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.
      EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
      If you are a candidate with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
      How We're Helping Make an Impact in Communities
      TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That's why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of $1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It's our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities.
      We look forward to hearing from you!
      Delaware, Connecticut, District of Columbia, Florida, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, TD Footprint
      Atlanta, Baltimore City, Boston, Burlington, Charlotte, Cherry Hill, Concord, Fairfield, Greenville, Miami, Mount Laurel, New York, Philadelphia, Portland, Providence, TD Footprint, Vienna, Washington, Wilmington
      Work Location:
      4140 Church Road
      Business Line:
      TD Bank AMCB
      Job Category - Primary:
      Business Analysis / Reporting
      Job Category(s):
      Business Analysis / Reporting
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      New Jersey
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      New York
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      Mount Laurel
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      New York
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      Time Type:
      Full Time
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      Job Searches Match:
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      Rhode Island
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      North Carolina
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      Baltimore City
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      Pay Range:
      $22.00 - $32.50 hourly
      Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.

Keywords: TD Bank, Portland , Credit Bureau Dispute Specialist, Other , Portland, Maine

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