OPERATIONS ANALYST

The Default Compliance Analyst is responsible for ensuring accurate credit bureau reporting, resolving credit reporting disputes and inquiries, and maintaining detailed documentation of dispute research, account updates, and resolutions. This role monitors and supports compliance with applicable local, state, federal and industry regulations, including the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Consumer Financial Protection Bureau (CFPB) requirements, and CDIA Metro 2 Guidelines. The Analyst also works closely with internal teams and outside vendors, including law firms and collection agencies, to locate debtors, identify assets, support collection activity, and recommend accounts for appropriate legal or agency action. Successful candidates typically demonstrate strong Excel, organizational, problem-solving, communication, and time management skills. A hybrid work schedule may be available after successful completion of training.

Qualifications

College degree in accounting or business-related field or commensurate experience.

Minimum two (2) years of recent experience in a recent compliance or audit and retail servicing position.

Familiarity with Credit Reporting Agencies, FCRA requirements, FDCPA regulations, and CDIA Metro 2 guidelines preferred.

Experience with consumer lending preferred.

Must have intermediate to advanced proficiency in Microsoft Office including Excel; (candidate will be tested on Excel).

Strong organizational and time management skills, with the ability to prioritize tasks, meet deadlines, and adapt to changing priorities.

Advanced problem-solving skills, including the ability to conduct independent research and make sound decisions.

Ability to implement identified changes and monitor ongoing compliance with those changes.

Excellent written and verbal communication skills.

Self-starter with the ability to identify new compliance requirements and department compliance-improvement opportunities, develop solutions, and support implementation.

Ability to work effectively both independently and as part of a team.

Overtime may be required, as needed.

Minimal travel may be required for training.

Principal Activities/Objectives

Research, investigate, and resolve direct and indirect credit reporting disputes in a timely and accurate manner.

Interpret payment history and verify loan data, including posted payments, account balances, and requests for adjustments.

Use the Credit Reporting Agency system, e-OSCAR, to respond to indirect disputes through Automated Consumer Dispute Verification (ACDV).

Investigate and respond to direct disputes by issuing written findings through postal mail.

Update accounts as needed and submit research results to Credit Reporting Agencies (CRA).

Maintain accurate follow-up notes and documentation across multiple software systems.

Perform administrative duties necessary to service and/or collect accounts.

Work with outside vendors, including law firms and collection agencies, to provide support, direction, and follow-up regarding account requests.

Locate debtors, identify assets, and recommend accounts for appropriate legal action or agency placement.

Proactively monitor, identify, and implement new or updated regulatory requirements and establish controls to support ongoing compliance.

Manage special projects assigned by management, including creating timelines, tracking

Progress, and ensuring completion within allotted timeframes.

Ensure required compliance training is completed on a calendared basis for critical compliance topics.

Assist with regulatory audit examinations conducted by internal audit and external parties, including coordinating requested documentation, organizing materials, and supporting presentation of documentation.

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.