Description In the FCRA Disputes Specialist role, you will be responsible for: + You will investigate credit bureau disputes received from the credit reporting agencies as well as from our customers using Citizens systems, policies and procedures. You will add pertinent information to pre-approved letters to respond to customer disputes. You will thoroughly document information relevant to the dispute details and resolution in the system of record. + Although most disputes do not require telephone contact, occasionally you will need to provide effective communication when making inquiries and to follow up with customers. + You will review various reports to troubleshoot credit bureau reporting issues prior to the monthly file run. + You will build relationships and effectively communicate across departments within Citizens to request system updates as well as obtain information relevant to resolving credit bureau disputes and reporting exceptions. + At times, you will participate in projects to review and investigate historical credit bureau reporting and make updates as needed. + You will receive training to remain up to date on credit bureau industry knowledge and trends. Qualifications + Problem-solving skills, accuracy, attention to detail, and having an analytical mindset while reviewing and investigating credit bureau disputes and reporting exceptions is critical. + The ability to function in a team environment, work independently, and organize your time to meet deadlines is a necessity. + The ability to write and speak effectively and professionally is a must. + 2-5 years of experience in the financial industry is preferred. + Previous experience in customer service, complaint resolution, letter writing, bankruptcy, loss mitigation or foreclosure is a plus. + Previous experience researching and resolving credit bureau disputes is a plus. + Bachelor’s or Associate’s degree preferred. High school diploma with applicable work experience is acceptable. Qualifications, Education, Certifications and/or Other Professional Credentials + Bachelor’s or Associate’s degree preferred. High school diploma with applicable work experience is acceptable. Hours & Work Schedule + Hours per Week: 40 + Work Schedule: M- F 8am- 5pm, Hybrid in Glen Allen, VA or Johnston, RI 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 Citizens, its parent, subsidiaries, and related companies (Citizens), provides 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, transgendered and transitioning individuals, 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. At Citizens we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 02/28/2025