Banking Services Operations Associate III - Credit Bureau Dispute

Overview: Responds to incoming credit bureau disputes on one product type (Mortgage or Consumer Lending) received from the credit reporting agencies or directly from the customer, while ensuring compliance with the Fair Credit Reporting Act. Primary Responsibilities: Complete routine data entry, system updates and validation to ensure accurate credit reporting in compliance with the Fair Credit Reporting Act. Respond to credit bureau disputes in a manner that ensures accurate credit reporting. Respond to or initiate standard requests in responding to credit bureau disputes received from credit reporting agencies or directly from the customer; complete appropriate mid-level complexity research to support these activities. Complete entry-level reconciliations as required. Complete routine or standardized exception processing in response to credit bureau disputes. Contact internal and external customers, including credit reporting agencies and other vendors, as required to respond to credit bureau disputes. Complete all activities in a manner compliant with applicable laws and regulations, such as the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA) and Consumer Data Industry Association (CDIA) guidance and other applicable credit reporting and loan servicing regulations. Develop proficiency in use of multiple systems to support activities completed. Review and draft procedures as requested. Complete cross-training to expand responsibilities. May draft manual email and letter communications to customers. Understand and adhere to the Companys risk and regulatory standards, policies and controls in accordance with the Companys Risk Appetite. Identify risk-related issues needing escalation to management. Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned. Scope of Responsibilities: This area is primarily responsible for the organizations in-bound credit bureau dispute responses received from the credit reporting agencies or directly from the customer. The area is responsible for ensuring compliance with the Fair Credit Reporting Act. Education and Experience Required: Associates degree, or in lieu of a degree, a combined minimum of 2 years higher education and/or work experience Proven customer service experience Proficiency with personal computers as well as pertinent spreadsheet and word processing software Demonstrated verbal and written communication skills Demonstrated problem-solving skills Education and Experience Preferred: Minimum of 1 years relevant experience Minimum of 1 years credit bureau or collections experience FCRA (Fair Credit Reporting Act) experience or knowledge #LI-111 M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $18.68 - $31.14 Hourly (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation. Location Millsboro, Delaware, United States of America Great companies have an enduring sense of purpose. At M&T, our purpose is a simple one: make a difference in peoples lives and uplift the communities we serve. M&T Bank Corporation is a financial holding company headquartered in Buffalo, New York. M&Ts affiliates offer advice, guidance, expertise and solutions across the entire financial spectrum, combining M&T Banks traditional banking services with the wealth management and institutional capabilities offered by Wilmington Trust. M&T Bank has a network of over 1,000 branches and 2,200 ATMs that span 12 states from Maine to Virginia and Washington, D.C. For more than 165 years, M&T has strived to take an active role in our communities and build long-lasting relationships with our customers. We are a bank for communitiescombining the capabilities of a large bank with the care of a locally focused institution. As an employer of choice, we are proud to offer competitive benefits ranging from medical and retirement to forty hours of paid volunteer time, each year. Our core values integrity, ownership, collaboration, curiosity, and candor drive the work we do. We seek to further build upon our record of success by bringing in top talent and fresh skill sets while continuing to support the growth and development of all our team members. View M&Ts Human Capital Report to learn more. Ready to join our team? Submit your application today! If you are unable to apply through this site due to technical issues or need an accommodation to apply, please contact us at careersitesupport@mtb.com for assistance. M&T Bank is unwavering when it comes to providing equal employment opportunities to all employees and applicants without regard to race, color, national origin, religion, ethnicity, sex, gender identity, age, disability, citizenship, pregnancy, veteran status, military status, marital status, sexual orientation, genetic information or any other characteristic protected under applicable federal, state or local laws. 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