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Credit Bureau Dispute Specialist

Commerce Bank
Kansas City, Missouri, United States
Closing date
Nov 27, 2021

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Job Role
Contract Type
Full Time
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About Working at Commerce

Wouldn't it be great to build your career at a bank that's known for helping people with their financial challenges? That's exactly what you'd be doing when you join the team at Commerce Bank. We're looking for teammates who are ready to do whatever it takes to help our customers with their everyday financial needs. You'd be helping yourself too, because Commerce has a tradition of recognizing and rewarding team members for their talent, skills and contributions.

No wonder we've been an industry leader for over 150 years and have developed a reputation as a great place to work in the financial services world. If you'd like to be a part of a team and culture that is respected by its peers and in your community, we should talk. We're always looking for the best and brightest.

About This Job

The main purpose of this job is to ensure Commerce Bank is complying with federal regulations concerning credit reporting and performing the credit disputes process.

Essential Functions
  • In-take of new direct and indirect credit bureau disputes to Bank, adding disputes to internal database for queuing and tracking
  • Manage dispute workload and track turnaround times required by federal regulation
  • Monitor resource mailbox for incoming credit bureau disputes or questions from internal customers regarding active dispute investigations
  • Assist with ensuring credit bureau dispute procedures remain current and accurate
  • Aid with researching and resolving credit bureau dispute consumer complaints received either directly from consumers or from internal customers on consumers' behalf
  • Work closely with Legal, Audit and Compliance departments to ensure that the Bank remains current with new guidelines as they are developed in this area
  • Perform duties in accordance with applicable risk policies, procedures, guidelines, and standards
  • Perform other duties as assigned

Knowledge, Skills & Abilities Required
  • Basic knowledge of risk management concepts, structures, and processes
  • Basic knowledge of relevant regulatory compliance, industry regulations and regulatory data sources
  • Ability to evaluate the validity of a customer's dispute against internal records, and respond timely to customers, while documenting actions taken in our internal database
  • Ability to maintain a high degree of confidentiality
  • Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities
  • Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills
  • Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values
  • Intermediate level proficiency with Microsoft Word, Excel and Outlook

Education & Experience
  • Associate degree or equivalent combination of education and experience required
  • 2+ years' experience in risk management, credit underwriting, credit collections, bankcard customer service, loan servicing or security required
  • Investigations, document imaging, and credit report review experience preferred
  • E-Oscar, Shaw, TSYS, FICO Debt Manager, and Helios systems experience preferred
Location: 811 Main St, Kansas City, Missouri 64105

Time Type:
Full time
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