Head of Compliance, CRA

Responsibilities

• Build and own the entity's FCRA compliance program from a blank page including policies, procedures, training, monitoring, and periodic testing.
• Run consumer relations end-to-end: dispute intake, reinvestigation within the statutory timeline, file disclosure, identity theft blocks, and fraud alerts.
• Design and enforce permissible purpose controls, including user onboarding, certification, and recertification.
• Establish reasonable procedures to assure maximum possible accuracy, and the monitoring needed to demonstrate they work in practice.
• Partner with Engineering and Product to specify dispute and disclosure infrastructure, replacing manual process with tooling as volume grows.
• Serve as the compliance point of contact for client third-party risk diligence, and support regulator, state AG, and litigation matters alongside Legal.
• Own consumer complaint handling across the CFPB portal and state channels, and route what you learn back into procedure and product.

Requirements

• 7+ years in consumer financial services compliance, including hands-on FCRA experience at a consumer reporting agency.
• Demonstrated experience building a compliance program from scratch or materially rebuilding one, not solely administering an inherited program.
• Direct experience operating a dispute and reinvestigation function, including turnaround management and furnisher interaction.
• Strong writing: able to produce policies, procedures, and client diligence responses that stand on their own without heavy legal editing.
• Comfortable as a function of one in an early-stage environment, including doing the operational work personally before there is a team or tooling.
• Candidates must be legally authorized to work in the United States and must live in the United States.
• Preferred: JD, CRCM, CIPP-US, or CAMS; experience at a nationwide specialty CRA; Metro 2 and e-OSCAR fluency; exposure to a CFPB examination, state AG inquiry, or FCRA litigation; background in identity, fraud, or alternative data.