Credit Bureau Reporting Analyst

Come join a growing financial technology company that’s leading the marketplace in both the marketing and servicing of credit cards! Continental Finance Company specializes in credit card options for those consumers with less than perfect credit. We are seeking a Credit Bureau Reporting Analyst to join our Operations team. The Credit Bureau Reporting Analyst is responsible for conducting thorough investigations into complex financial disputes, including application fraud claims and bankruptcy filings. The ideal candidate will have a strong background in financial investigations, regulatory compliance, and customer dispute resolution. This position requires strong analytical skills, and the ability to navigate nuanced customer situations with fairness and accuracy. Essential Functions: Investigate and resolve disputes involving application fraud claims and bankruptcy filings. Analyze transaction patterns, account activity, and supporting documentation to assess legitimacy of application fraud claims. Submitting Automated Universal Dispute forms (“AUDs”) to the credit reporting agencies via e-Oscar when necessary to correct or update information. Communicate with customers and internal teams to gather information and documentation to investigate and resolve complex disputes. Investigate bankruptcy cases via Pacer and other court record systems and ensure proper handling of accounts in compliance with bankruptcy law. Report findings clearly and concisely, documenting all investigative steps, evidence, and final outcomes in system of record. Coordinate with credit reporting agencies (Experian, TransUnion, Equifax) to resolve disputes and complaints when warranted. Coordinate with legal, compliance, and risk teams as needed for escalated or complex cases. Serve as a subject matter expert for escalated credit reporting dispute cases involving application fraud and bankruptcy claims referred by internal departments and third-party vendors. Ensure adherence to regulatory standards and internal SLAs for dispute resolution. The ideal candidate will have the following: Bachelor’s degree in business, finance, criminal justice, risk management, or a related field preferred; equivalent combination of education and relevant professional experience will be considered. 1+ years of experience in fraud investigations, credit reporting disputes, consumer disputes, financial services operations, or a related investigative role, preferably within the credit card, banking, lending, or consumer finance industry. Familiarity with credit bureau reporting and dispute processes, including experience with e-OSCAR and Automated Universal Dataforms (AUDs), strongly preferred. Strong investigative and analytical skills, with the ability to evaluate information from multiple sources, identify inconsistencies or patterns, and make sound, well-supported decisions. Demonstrated attention to detail and commitment to accuracy when reviewing account information, court records, customer documentation, and credit reporting data. Ability to interpret and consistently apply established policies, procedures, regulatory requirements, and investigative standards. Why Continental Finance? Continental Finance Company (the “CFC”) is one of America’s leading marketers and servicers of credit cards for consumers with less-than-perfect credit. Since our founding in 2005, we have prided ourselves on corporate responsibility to customers in terms of a strong customer support program and fair treatment. With our success, we have also grown into an innovative financial tech company! With a state-of-the-art consumer marketing and servicing platform, we provide a variety of services to consumers when other financial institutions will not accommodate them. With more than 2.6 million credit cards managed and serviced since our founding, we pride ourselves on putting the customer first. We are not a chartered banking financial institution, nor are we a debt originator or a credit card issuer. CFC is an equal opportunity employer that is committed to inclusion and diversity. Our company provides equal employment opportunity (EEO) regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or veteran status. CFC is seeking bright, energetic individuals that will help us grow and develop together! We uphold a promise to treat our employees with the same care and concern as we do our customers. We offer all employees competitive compensation and benefits in an exciting, fast-paced business casual environment. Join our growing team and apply online today! CFC offers a hybrid work schedule which includes three (3) core days in the office (Tuesday, Wednesday, and Thursday) and two (2) remote workdays (Monday and Friday) #LI-HYBRID