Teams at Kiwi (kiwicredito.com)

Conduct SQL-based compliance testing and monitoring across lending, servicing, collections, and marketing. Validate loan calculations and disclosures under Reg Z, document findings, build dashboards, review regulatory communications and ACH processes, support audits and regulatory inquiries, and partner with Product and Engineering to embed compliance requirements into new features.

Investigates consumer credit reporting disputes and e-OSCAR ACDVs, reviews ledgers and tradeline data, prepares AUD corrections and bilingual customer responses, documents cases in Jira and Zendesk, and escalates fraud, complex cases, and recurring reporting errors while meeting FCRA deadlines.

Leads the end-to-end credit dispute function, supervising analysts and ensuring accurate, timely FCRA responses. Oversees direct and indirect disputes, bureau corrections, Metro 2 reporting, complex credit cases, audit documentation, SOPs, and trend reporting. Partners with Data, Engineering, and Compliance to resolve root causes and improve reporting processes. Requires expertise in FCRA, bureau workflows, lending regulations, loan mathematics, data validation, and bilingual English-Spanish communication.