Credit Bureau Dispute Specialist
Company: TD Bank
Location: Portland
Posted on: November 19, 2023
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Job Description:
425368BR
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:
425368BR
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.
Country:
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.
Hours:
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
Inclusiveness:
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.
Accommodation
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!
State:
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
City:
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
State (Primary):
New Jersey
State #2:
New York
State #3:
Florida
State #4:
Massachusetts
State #5:
Pennsylvania
State #6:
South Carolina
State #7:
Connecticut
State #8:
New Hampshire
State #9:
Maine
State #10:
Vermont
City (Primary):
Mount Laurel
City #2:
New York
City #3:
Miami
City #4:
Boston
City #5:
Philadelphia
City #6:
Greenville
City #7:
Fairfield
City #8:
Concord
City #9:
Portland
City #10:
Burlington
Time Type:
Full Time
Employment Type:
Regular
Job Searches Match:
Statewide
State #11:
Virginia
State #12:
Maryland
State #13:
Delaware
State #14:
Rhode Island
State #15:
District of Columbia
State #16:
North Carolina
State #17:
Georgia
City#11:
Vienna
City #12:
Baltimore City
City #13:
Wilmington
City #14:
Providence
City #15:
Washington
City #16:
Charlotte
City #17:
Atlanta
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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