Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role:
As a Credit Dispute Specialist, you will be responsible for researching, investigating and resolving consumer credit dispute cases received directly and indirectly (e-OSCAR / Case Central) by reviewing internal account records and comparing them against the Metro 2 to ensure what was reported to the Credit Reporting Agencies is accurate according to the FCRA and internal policies. The role will also be responsible for reviewing and completing other e-Oscar-related tasks such as Block Notifications, AUDs, and drafting responses to direct disputes according to the approved dispute response templates. This role works with resources across the company - legal, compliance, Fraud, Operations, etc. - to gather information and gain guidance on dispute resolution. The ability to work within multiple platforms and services to obtain information is critical to the success of this role.
In addition to case management and resolution, you will be responsible for continuously improving credit bureau disputes policies, processes and procedures. Continuous regulatory learning and training is critical to maintain skills and knowledge needed to ensure cases are closed with accurate and complete information.
What you’ll do:
- Investigate and respond to direct and indirect (e-OSCAR / Case Central) disputes including Fraud, Bankruptcy, etc. according to department procedures and by department deadline Learn multiple account and customer platforms and maintain working knowledge of data sources in order to gather information to drive case resolution
- Retain evidence of the credit bureau dispute investigation, as required by FCRA
- Assist with Analysis of portfolio reporting data and identify inconsistencies with Credit Bureau Reporting Policies
- Explore process enhancements to improve efficiency and for continued monitoring of existing processes
- Accurately input data into the company system without errors
- Ability to recognize potential problems that require escalation and partner with the appropriate stakeholders to find a solution to the problem
- Ensure appropriate application and distribution of sensitive data or images
- Learn how to read and critically analyze credit bureau reports
- Work independently and as part of a team on ad hoc tasks
What you’ll need:
- High school diploma or General Education Degree (GED) College diploma preferred
- 2+ years of experience in the financial industry
- Familiarity with FCRA rules and regulations/Previous experience working in a regulatory role is a plus
- High attention to detail, with a high level of ethics and integrity
- Possess strong problem solving and critical thinking skills.
- Possess knowledge of credit reporting responsibilities as defined by the Fair Credit Reporting Act.
- Ability to work independently and on a team
- Proficient in MS Office (Proficiency in Excel required)
- The ability to handle confidential or sensitive information with discretion
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.The Company hires the best qualified candidate for the job, without regard to protected characteristics.Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.New York applicants: Notice of Employee RightsSoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [email protected].Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.
What the Team is Saying
What We Do
For over a decade, SoFi has helped transform the Fintech industry by creating financial products and services that help people borrow, save, spend, invest, and protect their money better, so they can achieve financial independence and realize their ambitions. Whether it’s owning a home, saving for retirement, paying off their student loans, or helping our members invest - SoFi is there every step of the way. Want to learn more about how it works? Check it out here: https://www.sofi.com/how-it-works/
Our core values are at the center of how we help our millions of members get their money right. They are our guiding principles for how we think about serving our members, building our company, and most importantly, how we work together. At SoFi, it’s not just what we do - but how we do it.
SoFi is also proud to be the naming rights partner of SoFi Stadium, home of the Los Angeles Chargers and the Los Angeles Rams.
For more information, visit SoFi.com
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
