Head of Consumer Reporting Agency

The role

The Head of Consumer Reporting Agency will build and own the entity's FCRA program. This includes managing consumer relations, designing permissible purpose controls, and partnering with Engineering and Product to automate processes.

What you will do

• Build and own the entity's FCRA program including policies, procedures, training, monitoring, and periodic testing
• Run consumer relations end-to-end including dispute intake, reinvestigation, file disclosure, identity theft blocks, and fraud alerts
• Design and enforce permissible purpose controls including user onboarding, certification, and recertification
• Establish procedures to assure maximum possible accuracy and monitoring
• Partner with Engineering and Product to specify dispute and disclosure infrastructure
• Serve as the compliance point of contact for client third-party risk diligence
• Support regulator, state AG, and litigation matters alongside Legal
• Own consumer complaint handling across the CFPB portal and state channels

Required qualifications

• 7+ years in consumer financial services, including hands-on FCRA experience at a consumer reporting agency
• Demonstrated experience building a FCRA program from scratch or materially rebuilding one
• Direct experience operating a dispute and reinvestigation function, including turnaround management and furnisher interaction
• Strong writing to produce policies, procedures, and client diligence responses
• Comfortable as a function of one in an early-stage environment
• Must be legally authorized to work in the United States
• Must live in the United States

Nice to have

• JD
• CRCM
• CIPP-US
• 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

Benefits

• Employer paid group health insurance for you and your dependents
• 401(k) plan with employer match (or equivalent for non US-based roles)
• Flexible paid time off
• Regular company-wide in-person events
• Home office stipend

About the company

SentiLink helps institutions and protects customers by accurately resolving identities and flagging fraud risk. The company serves 13 of the top 15 U.S. banks and is a digital-first company with offices in the U.S. and India.