About Us

Founded in 2013 MoneyLion is a dynamic and innovative fintech company that offers lending, financial advisory and investment services to consumers. Our mission is to change the way 4.5 million hardworking Americans bank, invest, borrow and financially grow. Beyond just a bank, MoneyLion is America’s most powerful financial membership!

MoneyLion employs over 300 full-time associates globally with a significant presence in North America and Asia. We’re located in NYC, San Francisco, Salt Lake City, and Kuala Lumpur, Malaysia.

About the Role

This position serves as a subject matter expert in all aspects of credit bureau reporting to ensure compliance with Metro 2 file formats and required customer information submitted to the credit bureaus. This position contributes to the identification and resolution of regulatory/compliance issues related to credit bureau reporting as they arise, participates in initiatives that impact credit bureau reporting and may interact with technology staff, business managers/staff and compliance officers, among others, to ensure the requisite support for credit bureau reporting activities.

Key Responsibilities

  • Enhance the credit reporting process to ensure compliance with FCRA and the Metro 2 standard
  • Identify improvements/gaps and provide recommendation
  • Lead process improvement recommendations into implementation
  • Trains and leads staff, prepares and enhances standard operating procedures concerning the credit reporting experience including proper use of the Metro 2 logic and best practices around data validation and disputes Investigate and respond accurately and within the required time frames to credit disputes initiated by consumers. Evaluate trends, support root cause analysis, and provide oversight of actions and responses for FCRA related to the credit disputes and consumer complaints
  • Participates in the development of new system functionality and its testing, ensuring data is furnished in accordance with guidelines via execution of scripting that was set to detect illogical conditions.
  • Conduct data and analysis review such as system enhancement reviews, User Acceptance Testing (UAT), illogical data review, quality review, workflow analysis, process improvement, cross functional workflow analysis among others and report findings of the review to leadership
  • Participate in technology-related project requests related to credit bureau reporting changes to ensure continued compliance with changing requirements
  • Stays abreast with all changes in reporting, codes and major changes in statute, regulations and significant case law
  • Create monthly Metro 2 files for the MoneyLion products
  • Build out preventative and detective controls for the credit reporting process
  • Build out Metro 2 system of record tool
  • Define data requirements and gather and validate information, applying judgement and statistical tests; document processes, functionality, and implementation plans
  • Present the results of data analysis to management and other end users; collaborate with others in the organization to ensure successful implementation of chosen problem solutions
  • Additional assigned duties and responsibilities


About You

Knowledge, Skills & Abilities:

  • Proven working knowledge of the Fair Credit Reporting Act, Regulation V, Metro 2 guidelines and CDIAs Consumer Reporting Resource Guide
  • Experience with e-OSCAR
  • Proficient with MS products - Microsoft Word, PowerPoint, Excel
  • Experience working in Financial Services
  • FCRA or CDIA Certification (highly preferred)
  • SQL; SAAS; Process Management; Credit Reporting; System and/or Data Analysis; and Credit Dispute (EOSCAR) working knowledge (highly preferred)
  • Strong organizational, analytical and issue resolution skills
  • Articulate, detail oriented, and ability to work independently
  • Good oral and written communication skills, interpersonal skills, negotiation skills, and ability to influence
  • Strong partnership and team building skills
  • Must be able to meet strict deadlines

Qualifications / Education & Experience:

  • 2+ years of credit bureau dispute processing experience
  • 5+ years of payment processing and research experience
  • College Degree from Recognized and Reputable Four Year College or University