Senior Manager, CBR & FCRA Risk Governance
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Job Description
Senior risk governance manager overseeing FCRA credit reporting and disputes at Octane, a financial technology company. Leading Metro 2 submissions, compliance controls, and Dispute Analyst teams.
Responsibilities:
- Own the CBR & FCRA risk governance program and serve as SME on CDIA, Metro 2, FCRA, and Reg V.
- Own credit reporting policies, procedures, workflows, and process mappings.
- Direct creation, data-quality scrubbing, auditing, and monthly submission of Metro 2 files across four major CRAs.
- Oversee Credit Bureau Disputes Management, lifecycle tracking, and resolution of data-furnishing exceptions.
- Lead troubleshooting, system checks, and root-cause analysis to resolve errors before reporting.
- Oversee exception inputs from Bankruptcy, Deceased Scans, Repossessions, and Debt Sales.
- Manage, coach, and develop Dispute Analysts; oversee KPIs, dispute-response SLAs, and QA audits.
- Collaborate with technical and cross-functional teams on system enhancements, automation, and scalable compliance controls.
- Maintain an issue inventory to improve dispute workflows, data updates, and operational efficiency.
- Champion company culture, change management, and cross-departmental collaboration.
Requirements:
- Bachelor’s Degree followed by 7+ years of professional experience at a Consumer Lending centric organization; leading a FCRA/Metro 2 related function.
- 5+ years in a supervisory or leadership role managing Line of Business Process requirements for Monthly FCRA file transmission.
- Demonstrable experience working directly with FCRA Compliance and credit bureau disputes including enterprise level process management and oversight of related process outputs.
- Experience working with consumer financial laws and regulations including but not limited to ECOA, TCPA, FCRA, TILA, UDAAP, FDCPA, etc.
- Experience managing the eOscar dispute platform at an enterprise level.
- Strong grasp of consumer loan underwriting, servicing, collections, and vendor relations with major Credit Reporting Agencies (CRAs), paired with the ability to independently manage processes against strict regulatory deadlines.
- Skilled in analyzing large datasets for criteria compliance, with a firm understanding of software development concepts and hands-on experience using LoanPro.
- Proven ability to manage high-volume work queues and multidisciplinary tasks, driving team performance while adapting seamlessly to changing software, guidelines, and processes.
Benefits:
- Stock option package
- Robust Health Care Plans (Medical, Dental & Vision)
- Generous Parental Leave
- Flexible Time Off (FTO) Policy - Time Off When You Need It
- Retirement Plan (401k) with company match!
- Educational Assistance/Tuition Reimbursement up to $3K/year
- Life Insurance (Basic, Voluntary & AD&D)
- Short Term / Long Term Disability
- Robust Ancillary benefits including accident insurance, hospital insurance, etc
- Wellhub (Gympass) Wellness Benefit
- Recreational Safety Benefit
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