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Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The Role:
As a Credit Dispute Specialist, you will be responsible for researching, investigating and resolving consumer credit dispute cases received directly and indirectly (e-OSCAR / Case Central) by reviewing internal account records and comparing them against the Metro 2 to ensure what was reported to the Credit Reporting Agencies is accurate according to the FCRA and internal policies. The role will also be responsible for reviewing and completing other e-Oscar-related tasks such as Block Notifications, AUDs, and drafting responses to direct disputes according to the approved dispute response templates. This role works with resources across the company - legal, compliance, Fraud, Operations, etc. - to gather information and gain guidance on dispute resolution. The ability to work within multiple platforms and services to obtain information is critical to the success of this role.
In addition to case management and resolution, you will be responsible for continuously improving credit bureau disputes policies, processes and procedures. Continuous regulatory learning and training is critical to maintain skills and knowledge needed to ensure cases are closed with accurate and complete information.
What You’ll Do:
Investigate and respond to direct and indirect (e-OSCAR / Case Central) disputes including Fraud, Bankruptcy, etc. according to department procedures and by department deadline Learn multiple account and customer platforms and maintain working knowledge of data sources in order to gather information to drive case resolution
Retain evidence of the credit bureau dispute investigation, as required by FCRA
Assist with Analysis of portfolio reporting data and identify inconsistencies with Credit Bureau Reporting Policies
Explore process enhancements to improve efficiency and for continued monitoring of existing processes
Accurately input data into the company system without errors
Ability to recognize potential problems that require escalation and partner with the appropriate stakeholders to find a solution to the problem
Ensure appropriate application and distribution of sensitive data or images
Learn how to read and critically analyze credit bureau reports
Work independently and as part of a team on ad hoc tasks
What You’ll Need:
High school diploma or General Education Degree (GED) College diploma preferred
2+ years of experience in the financial industry
Familiarity with FCRA rules and regulations/Previous experience working in a regulatory role is a plus
High attention to detail, with a high level of ethics and integrity
Possess strong problem solving and critical thinking skills.
Possess knowledge of credit reporting responsibilities as defined by the Fair Credit Reporting Act.
Ability to work independently and on a team
Proficient in MS Office (Proficiency in Excel required)
The ability to handle confidential or sensitive information with discretion
What the Team is Saying
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What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
