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.

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.

Head of Compliance, CRA

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