Senior Credit Bureau Reporting Manager

Description

At Citizens, our mission is to help customers, colleagues, and communities reach their potential.

As a Senior Credit Bureau Reporting Manager, you will lead a team responsible for monitoring, testing, and oversight activities that support the accuracy, integrity, and performance of credit bureau reporting across multiple systems of record.

This role manages a team of five Compliance Officers and is responsible for leading tradeline testing, critical reject monitoring, trend analysis, and reporting. The Senior Manager provides meaningful insights and reporting to Compliance Managers and partners with them to support remediation and corrective action activities through analysis, validation, monitoring, and executive reporting. This role enables effective oversight of credit reporting changes, testing outcomes, furnishing performance, and emerging risks across the enterprise.

The ideal candidate possesses strong knowledge of credit bureau reporting, Metro 2 requirements, FCRA compliance, risk management principles, and testing methodologies, along with demonstrated leadership experience and the ability to influence across business functions.

Primary Responsibilities

Tradeline Testing Oversight

• Lead and oversee tradeline testing activities across multiple systems of record.
• Ensure testing is executed in accordance with established procedures and governance requirements.
• Review test results for completeness, accuracy, and quality.
• Monitor testing outcomes and identify trends, observations, and potential concerns.
• Ensure testing documentation is maintained and available for management review.

 Critical Reject Monitoring

• Oversee critical reject monitoring and reporting processes.
• Review reject trends, emerging issues, and recurring themes.
• Evaluate the impact of critical rejects on credit bureau reporting performance.
• Escalate significant findings and concerns through established governance channels.
• Prepare reporting and analysis for leadership and Compliance Managers.

 Compliance Reporting & Oversight Support

• Consolidate testing results, monitoring outcomes, and key observations.
• Provide reporting and actionable insights to Compliance Managers responsible for oversight of credit reporting activities.
• Identify emerging risks, control weaknesses, and process improvement opportunities.
• Support governance routines, issue management discussions, and oversight reviews.

 Team Leadership

• Lead, coach, and develop a team of Compliance Officers.
• Establish priorities, performance expectations, and development plans.
• Ensure consistency in testing, monitoring, documentation, and reporting activities.
• Foster a culture of accountability, collaboration, and continuous improvement.

Required Qualifications

• 5-7+ years of experience in Credit Bureau Reporting, FCRA Compliance, Risk Management, Quality Assurance, Testing, or related disciplines.
• 3+ years of leadership experience managing teams and delivering results.
• Understanding and working knowledge of Fiserv, ALS, TSYS, MSP, Debt Manager servicing platforms 
• Understanding and working knowledge of Chex System & EWS
• Strong understanding of Fair Credit Reporting Act (FCRA) requirements and Metro 2 reporting standards.
• Experience performing testing, monitoring, quality assurance, or oversight activities.
• Strong analytical, problem-solving, and organizational skills.
• Excellent written, verbal, and executive communication skills.
• Thorough understanding of all federal and state regulatory requirements related to the Fair Credit Reporting Act and Data Furnishing.
•  Ability to independently lead in depth FCRA discussions across the various product lines
• Intermediate to advanced level experience successfully utilizing Microsoft Office Suites including Word, Outlook, Excel & PDF Creation/ Conversion.

Preferred Qualifications

• Bachelor's Degree preferred
• Experience supporting enterprise credit bureau furnishing programs.
• Experience monitoring critical reject activity and reporting trends.
• Experience supporting regulatory examinations, audits, or compliance reviews.
• Knowledge of credit reporting systems, dispute processes, and furnishing controls.
• Experience in bankruptcy & charge off 
• Demonstrated past job history stability

Success Measures

• Timely and accurate completion of tradeline testing activities.
• Effective monitoring and reporting of critical reject trends.
• High-quality reporting and insights provided to Compliance Managers.
• Consistent execution of testing and monitoring processes across systems of record.
• Identification and escalation of emerging risks and control concerns.
• Development and engagement of a high-performing Compliance Officer team.

Direct Reports

The Senior Manager will lead a team of approximately five Compliance Officers responsible for:

• Tradeline testing execution.
• Critical reject monitoring.
• Testing documentation and evidence collection.
• Trend analysis and reporting.
• Identification and escalation of observations and potential risks.
• Support of governance, audit, and oversight activities.

Hours & Work Schedule

Work Schedule: Monday– Friday 8:30 AM – 5:00 PM ET, position requires working 4 days on site at our Johnston RI or Glen Allen VA offices

-will consider remote for highly qualified candidates not located near Citizens office location

Pay Transparency 

• The salary range for this position is $130,000 - $150,000 per year. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits

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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) provide 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, 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 all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.