{"id":3434969,"url":"https://alion.io/job/rbfcu-fair-credit-reporting-act-director","title":"Fair Credit Reporting Act Director","company":{"id":2077726,"name":"RBFCU","domain":"rbfcu.org","url":"https://alion.io/company/rbfcu","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"head","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["San Antonio, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":126000,"max_usd":240000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":2103},"experience_years_min":3,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-28T00:00:00Z","employer_posted_date":"2026-10-28","last_verified_at":"2026-11-02T22:55:22Z","board_verified":true,"closed_at":null,"days_open":6,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":6},"description":"Job Description and Requirements\nThe Fair Credit Reporting Act Director is responsible for the strategic oversight, governance, and performance of the credit union’s Fair Credit Reporting Act (FCRA) and Servicemembers' Civil Relief Act (SCRA) programs. FCRA oversight includes data furnishing and credit accuracy functions. This role ensures the accuracy, integrity, and completeness of consumer reporting data, alignment with regulatory requirements, and integration with the organization’s Compliance Management System (CMS). The FCRA Director is accountable for program effectiveness, risk management, enterprise-level issue resolution related to credit reporting activities, and other duties as assigned.\nEssential Functions and Responsibilities:\nProvide accountable leadership and oversight for the SCRA, FCRA, and data furnishing programs, including Metro 2/American Standard Code for Information Interchange (ASCII) reporting, credit accuracy, disputes, corrections, and reporting alignment.\nEstablish and maintain policies, procedures, governance structures, strategy, objectives, and performance expectations to support SCRA, FCRA, Regulation V, CMS, and enterprise risk management alignment.\nOversee data furnishing accuracy, completeness, integrity, and validation for information furnished to consumer reporting agencies, including alignment between furnished data and dispute investigation outcomes.\nDesign, implement, and evaluate controls for credit reporting accuracy and integrity, ensuring controls are risk-based, effective, and aligned with regulatory expectations.\nOversee enterprise-level SCRA and FCRA issue management, including prioritization, root cause analysis, remediation strategies, backlog monitoring, timelines, and risk exposure.\nServe as primary contact for regulators, auditors, and third-party vendors on SCRA and FCRA matters; interpret SCRA, FCRA, Regulation V, ASCII, Consumer Data Industry Association (CDIA), and Consumer Reporting Resource Guide (CRRG) requirements; and support timely responses to inquiries, exams, and complaints.\nProvide executive reporting on program performance, risks, remediation status, emerging trends, control effectiveness, FCRA compliance, and data integrity.\nProvide compliance oversight for decisions within authority, ensuring due diligence is completed before projects, products, or process changes are implemented.\nOversee compliance-related administration and implementation of software and technology supporting department productivity and operations.\nLead Credit Accuracy and FCRA Program Managers, Team Leads and supporting staff, by defining roles, managing performance, supporting workforce planning, and providing resources, training, coaching, and development.\nAll other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).\nRequirements:\nMaster’s Degree\nMinimum of 7 years combined financial institution and compliance experience OR 13 years combined financial institution and compliance experience in lieu of degree\nMinimum of 3 years management experience\nExperience with compliance reporting, data analytics and compliance issue management\nBroad knowledge of the ASCII, CDIA, CRRG, Metro 2 reporting, and SCRA\nAbility to conduct thorough research, interpret and understand laws and regulations and provide practical recommendations and solutions\nExcellent communication and interpersonal skills; as well as influencing abilities\nExcellent organization and time management skills; accustomed to working with deadlines\nStrong leadership, staff management and project management skills\nStrong problem solving, critical thinking, and change management skills\nAbility to leverage advanced business/analytical knowledge to lead discussions with cross-functional teams to understand highly complex business objectives and influence solution strategies\nAbility to work independently given minimal direction; self-motivated with desire to be a team player in a constructive environment\nPreferred:\nExperience with BSA, ECOA, Fair Lending, FCRA, FDCPA, MLA, OFAC, SCRA, and TILA\nFCRA Certificate for Data Furnishers, or similar FCRA compliance certification\nExperience with financial institutions larger than $10 billion in assets and exposure to oversight by the Consumer Financial Protection Bureau (CFPB)\nAll qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.","description_format":"text","description_chars":4604,"description_truncated":false,"requirements":{"experience_years_min":3,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"master","optional":false},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Credit Unions & Cooperative Banks"],"lifecycle":[{"event":"open","at":"2026-10-29T02:19:36Z"}],"visa":[],"liveness":{"score":85,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.897,"p_room":0.945,"age_days":5,"expected_fill_days":12,"reasons":["conf:3","velocity","win:mid"],"computed_at":"2026-11-02T06:13:15Z"},"pay":null,"html_url":"https://alion.io/job/rbfcu-fair-credit-reporting-act-director","json_url":"https://alion.io/job/rbfcu-fair-credit-reporting-act-director.json","meta":{"generated_at":"2026-11-03T03:04:06Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":4197,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-04T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":2077726},"rest":"https://alion.io/mcp/rest/get_company?id=2077726"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Frbfcu-fair-credit-reporting-act-director"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Frbfcu-fair-credit-reporting-act-director"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Frbfcu-fair-credit-reporting-act-director"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/rbfcu-fair-credit-reporting-act-director\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Frbfcu-fair-credit-reporting-act-director"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3434969}},{"tool":"search_jobs","arguments":{"company":"rbfcu.org","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3434969},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); 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