Senior Operations Compliance Analyst

The Senior Operations Compliance Analyst will take appropriate and timely steps to correct inaccurate account information provided to credit bureaus while maintaining a detailed database of credit reporting disputes, inquiries, and resolutions. The Senior Operations Compliance Analyst will also effectively monitor department policies and procedures and recommend updates according to regulatory requirements. This position will review and assign third party legal and agency placements each month in a timely fashion. The Senior Operations Compliance Analyst must be familiar with federal regulations applicable to the department. Qualifications Bachelor’s degree in accounting or business-related field, or commensurate experience required. Experience with Credit Reporting Agencies, FDCPA, UDAAP, FRCA, CDIA Metro2 Guidelines, SCRA and all applicable regulations and/or consumer lending products preferred. Two (2) years of experience in a recent compliance or audit position required. Must be proficient in e-OSCAR. Must have intermediate to advanced knowledge of Microsoft Excel (candidate will be tested). Must be able to manage time efficiently, prioritize tasks, meet deadlines, and coordinate changing priorities. Advanced problem-solving ability. Must be able to research independently and make sound decisions. Must have the ability to implement and monitor identified changes. Must possess the interpersonal skills to collaborate effectively with management, peers and customers both internal and external. Must be a self-starter that can identify new compliance requirements and departmental compliance-improvement opportunities and develop solutions through implementation. Minimal travel may be required for training. Principal Activities/Objectives Perform Credit Bureau research including interpreting payment history, verifying loan data such as payments posted, account balance information and requests for adjustments. Utilize the Credit Reporting Agency system (E-Oscar) to quickly respond to indirect disputes via the Automated Consumer Dispute Verification (ACDV). Complete thorough investigation and respond to written Direct Disputes, FIS Disputes, and assist PRO with CFPB complaints as needed. Perform related administrative duties necessary to service the account. Maintain thorough follow-up and documentation of accounts via multiple software systems. Proactively monitor, identify and implement new and/or updated regulatory requirements and establish appropriate policies and controls to monitor compliance. Responsible for managing special projects as assigned by management, including a timetable for completion, and ensuring completion within allotted timeframes. Ensure compliance training is completed on a calendared basis for critical compliance topics. Assist with regulatory audit examinations conducted by internal audit and external parties. Includes, but is not limited to, coordinating the collection of requested documentation, presentation of documentation, and communicating with the requesting parties as applicable. Review charged off consumer loans and credit cards and recommend third party assignments to management. Prepare legal and agency placement documentation and send to the appropriate vendors. This includes, but is not limited to, requesting terms and conditions from Marketing Department, pulling SCRA certificates from the Department of Defense website, pulling the last twelve months of statements and Application or Note for each assigned account. Note: Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing, and monitoring the risk they encounter daily as required by Dollar Bank’s risk management program. Compliance with regulatory laws and company procedures is a required component of all position descriptions.