Work Location:

Mount Laurel, New Jersey, United States of America

Hours:

40

Pay Details:

$23.25 - $30.75 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business:

Product Management

Job Description:

The Credit Bureau Dispute Specialist researches direct and indirect credit bureau disputes; responds to customers and credit reporting agencies to ensure discrepancies are resolved and timely follow up occurs.

Depth & Scope:

• Handles sensitive consumer information (credit bureau data, raw PII, customer account information)
• Utilizes third party data sources, internal systems and tools to research and analyze information to ensure accuracy of credit reporting
• Researches and responds to disputes received directly by mail or email
• Utilizes e-Oscar to quickly respond to indirect disputes in the way of Automated Consumer Dispute Verification (ACDV)
• Researches and actions feedback from the credit bureaus, internal reporting, and third parties to ensure accurate reporting
• Corrects inaccurate account information provided to CRAs and documents the resolution using internal systems and e-OSCAR
• Maintains a clear understanding of current internal credit-related policies and procedures, as well as all applicable federal regulations and credit industry standards
• Adapts to and endorses change and serves as an agent of positive change to support goals and direction
• Demonstrates a strong commitment to meet or exceed external and internal expectations, service, and quality goals
• Able to work within a corporate environment understanding its structure and adhering to schedule and punctuality requirements
• Responsible for ensuring confidentiality of all aspects of the company’s operations, portfolio, customer information and computer technology
• Must be able to work weekdays and weekend/overtime if required to ensure adherence to SLAs
• Engages internal/external partners to obtain pertinent account information
• Identifies and addresses process improvements based on day to day observations and activities
• Responds to inquiries and assists in resolving problems/complaints
• Promotes a positive team environment by demonstrating professional behavior and respect for others
• Escalates more complex or unusual issues to lead or supervisory staff
• Performs additional responsibilities/duties as assigned by management

Education & Experience:

• Associate's Degree or equivalent work experience
• 3+ years in Financial Services
• Superior analytical, problem solving and decision-making skills
• Excellent verbal, written, and interpersonal communication skills and ability to work well in a team environment
• Exceptional attention to detail and accuracy
• Ability to use/learn current technology and software applications related to position
• Dedicated, self-directed and reliable
• Knowledgeable of state and federal laws and agencies applicable to collections, including the Fair Credit Reporting Act (FCRA) and the Dodd-Frank Act
• Knowledge of Microsoft Excel and basic computer skills; 40+ WPM and use of 10-Key pad

Preferred Qualifications:

Experience researching, investigating, and resolving credit bureau disputes related to retail credit card accounts. FCRA knowledge

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

Additional Information:

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.