Manager, Credit Bureau Compliance

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Manages and coordinates the operational direction of multiple areas for the Payment Processing and Lending Services segments of the Corporate Services Division, in formulating and administering organization policies and procedures as well as for Merger/Acquisition and Disaster Recovery.

• Ensure data reporting systems accurately report consumer data appropriately in Metro2 Industry standard format, and in compliance with Interagency Guidelines of the FCRA, verifying that credit information is correctly added and mapped to the consumer' credit file and reporting in a factual, precise and objective manner.

• Monitors dispute and complaint data to ensure proper investigation and results are properly reported and/or modified in a timely manner

• Recommends, guides, and directs the execution of strategic operational policies and tactical procedures to develop and promote the organization’s payment processing services and related software applications.

• Participates in the development of long-range strategic and tactical plans.

• Develops short-term and long-range goals and objectives.

• Oversees the design/redesign of hardware/software configuration of multiple internal and 3rd party vendors for Payment Processing.

• Oversees the technology behind Payment Processing software applications and various ancillary products associated with the electronic presentment of payments and funds transfers.

• Recommends and implements quality control processes and fraud controls to mitigate risks associated with fraudulent processing activity.

• Analyzes and advises management on process improvements to enhance the efficiency, accuracy, and financial budgetary implications of all facets of check presentment or funds transfer, including, but not limited to improved processes, reduced fraud loss, appropriate resource allocation, and staffing.

• Supervises research and resolution of various exception items and related deliverables.

• Evaluates the effectiveness of all internal and external processes through regular reviews; establishes and monitors internal and external (vendor) service levels and provides accurate problem resolution.

• Acts as liaison with Technology Division and programming staff to resolve processing issues and coordinates all projects associated with the units.

• Manage all aspects of Business Unit financials and invoice payables.

• Manages and coordinates all activities of payment processing in attainment of goals and objectives regarding cost, quality, delivery, and service standards.

• Monitors and manages (directly and through subordinates) processes/practices/policies for payment processing within the company to ensure compliance with bank policy.

• Ensures that all organizational activities and operations are carried out in compliance with local, state, and federal regulations and develops procedures for emerging regulatory compliance and operational changes affecting the industry.

• Periodically interacts with state and federal banking regulators and external auditors.

• Reviews analyses of activities, costs, operations, and forecast data to determine department and division progress toward stated goals and objectives.

• Evaluates the results of overall payment operations regularly and reports these results to the Deposit/Payment Services Director.

• Promotes appropriate communication and training to assist in adequate information flow within the organization.

• Confers with the Deposits/Payment Services Director and other administrative personnel to review achievements and discuss required changes in goals or objectives resulting from current status and conditions.

• Ensures that the responsibilities, authorities, and accountability of all direct subordinates are defined and understood.

• Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act

Manages subordinate supervisors who supervise several employees in the specific areas in the division, is responsible for the overall direction, coordination, and evaluation of these units, directly supervises some non-supervisory employees, and carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities: interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

• Bachelor’s degree in finance, accounting or information systems

• At least eight to ten years related operations and supervisory experience and/or training

• A combination of education and experience is acceptable

• A strong Payment Systems or Loan Operations background is highly desirable

• Advanced knowledge of technology and how it interacts with software used for Check21 cash letter image exchange, host integration/interfaces, return/exception items processing, check image capture (sorter, branch, merchant) and systems analysis related to check processing; ability to oversee vendor relationships related to software/hardware for the check payment channel required

• Proficient knowledge of Microsoft Office products including Microsoft Word and Excel

• Strong verbal and written communication skills

• Ability to communicate with a variety of audiences and multiple levels of management

• Strong interpersonal and customer service skills

• Ability to work well across teams

• Self-starter with strong organizational skills

• Ability to multi task and prioritize workload in a fast paced environment

• Strong analytical, problem solving, and conceptual skills

• Ability to formulate sound conclusions and recommend optimal course of action based on analysis

• Overall knowledge of bank operations and procedures with specific concentration on lending/deposit processes

• Ability to apply conceptual intent of loan/deposit transactions to practical situations

• Understanding of general ledger systems and loan/deposit documentation software

• Complete familiarity of all loan/deposit documents, their purpose, and requirements for proper completion

• Multi-state knowledge of laws, regulatory requirements, and compliance rules related to loan and/or deposit accounts

• Ability to train and guide others in proper structuring of documentation

• Ability to recognize technical system codes on and to translate into correct data

• Ability to work under stress and meet deadlines

• Ability to operate a keyboard if required to perform the essential job functions

• Ability to read and interpret a document if required to perform the essential job functions

• Ability to travel if required to perform the essential job functions

• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an “undue hardship” then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.

Equal Opportunity/Affirmative Action Employers. All qualified applicants will receive consideration for employment without regard to race, color, religious beliefs, national origin, ancestry, citizenship, sex, gender, sexual orientation, gender identity, marital status, age, physical or mental disability or history of disability, genetic information, status as a protected veteran, disabled veteran, or other protected characteristics as required by federal, state and local laws.