Credit Bureau Specialist

About the role

PenFed is hiring a Credit Bureau Specialist to work onsite at our Omaha, Nebraska Service Center. The primary purpose of the role is to investigate and respond to credit bureau disputes while maintaining compliance and accuracy.

Responsibilities

• Perform quality control on direct and indirect disputes resolved by credit dispute specialists.
• Partner with third‑party vendors to enhance processes, training and QC processed disputes.
• Assist in providing resolution to any inaccuracies identified.
• Act as a point of contact regarding credit bureau dispute processing.
• Answer in‑bound calls related to credit bureau issues and questions.
• Partner directly with the credit bureaus (Experian, Equifax, TransUnion and Innovis) on account resolutions.
• Assist with validating the monthly credit reporting file for accuracy and integrity.
• Maintain current knowledge of FCRA and Metro II Guidelines.
• Identify gaps in department processes and procedures, recommending improvements to leadership.
• Participate in department projects and initiatives as needed.
• Assist with audits by internal auditors, as well as third‑party and regulator audits.
• Assist in answering member concerns regarding credit bureau disputes generated from complaints received.
• Perform necessary account research to determine the legitimacy and ultimate outcome of credit bureau disputes and requests for adjustments, and communicate the status of such requests to members in writing.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including FCRA, BSA, and AML laws appropriate to the position.
• Review policies, procedures, and guidelines and suggest recommendations for improvement.

Qualifications

• An equivalent combination of education and experience is considered.
• Associate's degree in business or related field is required.
• Minimum of two (2) years of experience in credit bureau processes required.
• Knowledge of consumer loan origination practices is required.
• Detail‑oriented, resourceful and able to manage shifting priorities, with the flexibility to adapt quickly to change.
• Strong analytical and problem‑solving skills.
• Ability to self‑motivate with little oversight.
• Ability to communicate with internal and external teams.
• Experience in using A.I. tools preferred.

This position does not have supervisory responsibilities and requires no additional certifications. Work is performed in an indoor office setting with moderate noise; the role may require the ability to lift up to 25 pounds. Travel is not required.

Benefits

At PenFed, we offer a robust benefits package designed to support you both personally and professionally. You'll have access to comprehensive health, dental, and vision plans; paid time off; and family‑friendly benefits like paid parental leave, care support, and fitness center access. Financial wellness is encouraged through features like a 401(k) match, employee loan discounts, and fully paid life and disability coverage. We also support growth via education assistance, community involvement, and volunteer opportunities.

Pay

The anticipated starting hourly range for this role is $18.56 - $29.36. This position is eligible for an organizational performance based annual bonus, subject to board discretion and approval, and an individual performance based annual bonus.