At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Quality Control Specialist (QCS) will be a critical member of our Quality Control Team, responsible for ensuring the accuracy and compliance of all credit bureau dispute responses and off-cycle update forms. This role requires a deep understanding of credit bureau reporting and the ability to manage workflow efficiently, ensuring timely responses to credit bureaus. The QCS will collaborate closely with various support teams, including validations team, to verify information before it is sent to the bureaus.

Key Responsibilities:

Conduct thorough quality control checks on disputes and off-cycle update forms prepared by the CBM team before submission to credit bureaus.

Ensure all responses are compliant with the Fair Credit Reporting Act (FCRA) and other relevant regulations.

Analyze disputes to identify potential risks, ensuring all issues are addressed accurately and promptly.

Manage and prioritize workload to meet strict deadlines, ensuring timely reporting and responses.

Work closely with support and validation teams to verify and validate information, ensuring all data is accurate and complete.

Address and resolve complex issues that arise during the dispute review process, using critical thinking and problem-solving skills.

Apply knowledge of various systems of record (SORs) such as ALS, LM, Hogan, MSP, RMS, and DM in the review process.

Basic Qualifications:

Bachelor’s degree, or equivalent work experience

Typically two or more years of related experience

Preferred Skills and Experience:

Proven experience in credit bureau reporting and dispute resolution.

understanding of credit bureau processes and FCRA compliance.

Excellent time management skills with the ability to prioritize tasks effectively.

Strong critical thinking and problem-solving abilities.

Ability to analyze complex issues and make informed decisions.

Excellent communication skills, both written and verbal.

Familiarity with ALS, LM, Hogan, MSP, RMS, and DM is highly preferred.

High level of attention to detail to ensure accuracy in all responses and updates.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

Healthcare (medical, dental, vision)

Basic term and optional term life insurance

Short-term and long-term disability

Pregnancy disability and parental leave

401(k) and employer-funded retirement plan

Paid vacation (from two to five weeks depending on salary grade and tenure)

Up to 11 paid holiday opportunities

Adoption assistance

Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

EEO is the Law

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS EEO poster.  

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $21.88 - $29.13 - $32.04

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.