Manager, Credit Bureau Reporting & Disputes

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As the Manager, Credit Bureau Reporting & Disputes in our Melbourne Headquarters Credit Reporting department, you’ll oversee the accuracy, completeness, and regulatory compliance of consumer credit data furnished to credit reporting agencies. You’ll lead a team of specialists, set strategic direction for credit reporting operations, manage quality control routines, and serve as a subject matter expert for FCRA, FACTA, Metro 2® standards, and credit reporting best practices.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Hybrid and Flexible Schedule Options: This position is Hybrid with 2 days per week required in office
• Career Growth: We prioritize internal promotions and offer on-the-job training.

Manager, Credit Bureau Reporting & Disputes Key Responsibilities

• Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring.
• Ensure timely and accurate credit data reporting in compliance with Metro 2® specifications, FCRA/FACTA requirements, CFPB guidance, and bureau-specific rules.
• Oversee consumer dispute investigations and resolutions, including e-OSCAR processes, regulatory timelines, quality standards, and escalation of material reporting issues.
• Oversee the research and resolution of e-OSCAR ACDVs, AUDs, direct disputes, identity-theft disputes, and escalated reporting complaints.
• Design, monitor, and improve quality control routines, audits, reconciliations, exception reporting, and corrective action plans to support data accuracy and compliance.
• Partner with Compliance, Legal, Risk, IT, Lending, vendors, and credit bureaus to resolve issues, support audits and regulatory exams, and strengthen reporting controls.
• Lead process improvement initiatives, automate reporting and dispute workflows, track KPIs, provide executive-level insights, and mentor a high-performing team.

Manager, Credit Bureau Reporting & Disputes Requirements

• Two-year degree or equivalent industry experience required.
• FCRA Certification required within one year in the position.
• Minimum 3 years of direct consumer credit bureau reporting experience required.
• Prior supervisory or management experience required.
• Deep expertise in Metro 2®, FCRA, FACTA, CFPB expectations, and consumer dispute handling required.

Manager, Credit Bureau Reporting & Disputes Compensation

• Starting Salary: $86,720 - $91,836
• Bonus Opportunity: Eligible for a 7% ONE SCCU Annual Bonus.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20 days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

Work Schedule

• Monday – Friday 8:00am – 5:00pm.
• Occasional Saturdays as needed.

About SCCU

Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application is a legal document for purposes of employment. Upon acceptance of an offer with SCCU, I understand that I will be required to complete background screening, employment and education verifications, and drug screening. If I am a member of Space Coast Credit Union, my SCCU membership accounts will be reviewed as part of the employment screening process to determine whether they are in good standing, as defined by SCCU policy. Failure to meet these standards may affect employment eligibility, including the possible withdrawal of a conditional offer of employment. I further understand that any misstatements or omissions in this application or during the pre-employment process may be considered falsification and could result in a decision not to hire me, or termination of employment if discovered after hire.

I UNDERSTAND that the information requested regarding date of birth, race, and sex is for the sole purpose of gathering the above information accurately and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and complete the required employment eligibility verification documentation upon hire.

SCCU is a drug-free workplace. I understand that as a condition of employment, I will be required to submit to drug testing and any procedures necessary to assess my qualifications for employment. If hired, I further understand that my employment is for no definite period and may be terminated at any time without prior notice.

Experience

• Credit Bureau Reporting

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.