Credit BureauReporting/FCRA Dispute Manager

<p>The Risk Compliance team at Marqeta is seeking <strong>Credit Bureau Reporting/FCRA Dispute Manager</strong>. This team comprises six specialized departments focused on mitigating exposure to financial crimes, providing strategic regulatory guidance, and ensuring the company operates with confidence and integrity. We partner with Product and GTM teams to design compliant-by-default solutions, embedding compliance into products and processes in ways that enable faster execution and scalable growth.</p> <p>As the <strong>Credit Bureau/FCRA Dispute Manager </strong>you will be accountable for the governance, accuracy, and regulatory compliance of all consumer credit reporting activities across Marqeta's credit card portfolio. This role owns end-to-end oversight of bureau reporting and dispute resolution, ensuring strict adherence to FCRA, FACTA, Metro 2®, CFPB guidance, and applicable state regulations. This leader serves as a control owner for credit reporting compliance, partners closely with Risk, Compliance, Legal, Technology, and Operations, and acts as the primary point of accountability for regulatory exams, audits, and bureau-related risk management. The role balances operational excellence with consumer protection, reinforcing trust, transparency, and fairness in line with Marqeta values.</p> <p><strong>We work <a href="https://www.marqeta.com/blog/2022/05/10/flexible-first">Flexible First</a>. This role can be performed remotely in the United States, only in one of our National locations, which you can review <a href="https://www.marqeta.com/company/salaryzones">here</a>.</strong></p> <h3><span style="font-size: 12pt;"><strong>What You'll Do</strong></span></h3> <p><strong>Credit Bureau Reporting Oversight</strong></p> <ul> <li>Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring</li> <li>Ensure all reporting complies with Metro 2® specifications, FCRA/FACTA requirements, CFPB supervisory guidance, and bureau-specific rules.</li> <li>Establish and monitor daily, weekly, and monthly control routines to ensure reporting timeliness, completeness, and accuracy</li> <li>Serve as escalation owner for material reporting issues, missed SLAs, or consumer harm events</li> </ul> <p><strong>Regulatory Compliance Risk Management</strong></p> <ul> <li>Act as the business owner for FCRA compliance related to credit reporting and disputes, including documentation, controls, and issue management</li> <li>Oversee investigation and resolution of consumer credit reporting disputes within mandated regulatory timelines (e.g., 30/45-day requirements)</li> <li>Partner with Compliance and Legal to interpret regulatory changes, perform impact assessments, and drive implementation of required reporting or dispute process changes</li> <li>Lead preparation and response for regulatory exams, internal audits, and bureau audits, including evidence production, issue remediation, and management responses</li> <li>Maintain clear policies, procedures, and playbooks for bureau reporting, corrections, reinvestigations, and consumer remediation</li> </ul> <p><strong>Data Integrity, Controls Governance</strong></p> <ul> <li>Design and operate preventive and detective controls to ensure bureau data accuracy and regulatory compliance</li> <li>Implement robust quality assurance, second-line testing support, and monitoring for reporting files and dispute outcomes</li> <li>Review exception reports, trend defects, and oversee root-cause analysis for systemic issues</li> <li>Own corrective action plans, ensuring sustainable fixes across upstream systems, processes, and vendors</li> <li>Partner with Technology and Data teams to strengthen data lineage, governance, and control documentation</li> </ul> <p><strong>Process, Technology Continuous Improvement</strong></p> <ul> <li>Lead initiatives to automate reporting and dispute workflows, reduc ... (truncated, view full listing at source)