Credit Card Fraud Analyst jobs in Rhode Island

Description

Credit Bureau Analyst/Tester

Description – External & Internal

• Perform monthly tradeline testing actives on all consumer products, ensuring discrepancies are escalated and addressed in a timely fashion.
• Conduct a root cause analysis for CRA rejects, as well as any CLC’s which exceed document tolerance levels. 
• Research potential issues and perform root-cause analysis to determine cause and solutions for problems
• Document all reviews are completed, incorporating a feedback loop for continuous improvement
• Receive and review all request for suppression of reporting across all products.
• Document business requirements /consumer reporting data source to target mapping. 
• Monitor credit reporting and dispute trends to ensure accuracy and integrity of the information provided to the credit reporting agencies.
•  Make independent decisions for appropriate action to be taken within regulatory and procedural guidelines.
• Work with risk to develop, implement and/or enhance procedures and controls surrounding the credit reporting.
• Collaborate with cross-functional partners including lending teams, operations, risk and legal. 
• Provide Executive and Operational level FCRA reporting across all products.
• Complete KRI Dashboards for credit reporting operations  
• Complete data analytics pre/post transmission 
• Provide vision to ensure appropriate systems and infrastructure are in place for credit reporting and oversight process.
• Work with technology, risk, legal and member experienced teams to implement strategies, including process improvements and technology enhancements.   
• Work cohesively with the Loan Servicing Managers, Collection Managers, and Fraud managers to monitor regulatory and compliance risks.
• Maintain a clear understanding of current internal related policies and procedures, as well as all applicable federal regulations (FCRA) and credit industry standards (CDIA guidelines).
• Participate in audits and provide response to internal audit.

Qualifications – External & Internal

• Bachelor’s Degree in business-related field or equivalent experience required.
• Minimum of 2 years of credit bureau reporting experience
• Experienced on FCRA and CDIA Metro 2 requirements/standards and/or Consumer Lending products.
• Proficient in e-Oscar and ChexSystems
• Proficient knowledge with all federal and state regulatory requirements related to the Fair Credit Reporting Act, Data Furnishing, CFPB and other applicable credit reporting and dispute laws and requirements.
• Strong written/verbal communication skills 
• Capability to work independently and effectively under tight deadlines.
• Excellent analytical abilities
• Ability while processing daily tasks to consider process improvements simultaneously.
• Strong ability to multi-task & effective organizational skills
• Experience successfully utilizing various Solid knowledge of MS Word, Outlook, Excel & PDF Creation/ Conversion 

Hours and Work Schedule

Work Hours:  8:30 to 5:00PM

Hours per week:  40  hours per week

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

At Citizens we value diversity, equity and inclusion, and treat everyone with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.