• Own and govern the end-to-end credit bureau reporting lifecycle, including data sourcing, file creation, validation, transmission, reconciliation, and post-submission monitoring • Ensure all reporting complies with Metro 2® specifications, FCRA/FACTA requirements, CFPB supervisory guidance, and bureau-specific rules. • Establish and monitor daily, weekly, and monthly control routines to ensure reporting timeliness, completeness, and accuracy • Serve as escalation owner for material reporting issues, missed SLAs, or consumer harm events • Act as the business owner for FCRA compliance related to credit reporting and disputes, including documentation, controls, and issue management • Oversee investigation and resolution of consumer credit reporting disputes within mandated regulatory timelines (e.g., 30/45-day requirements) • Partner with Compliance and Legal to interpret regulatory changes, perform impact assessments, and drive implementation of required reporting or dispute process changes • Lead preparation and response for regulatory exams, internal audits, and bureau audits, including evidence production, issue remediation, and management responses • Maintain clear policies, procedures, and playbooks for bureau reporting, corrections, reinvestigations, and consumer remediation • Design and operate preventive and detective controls to ensure bureau data accuracy and regulatory compliance • Implement robust quality assurance, second-line testing support, and monitoring for reporting files and dispute outcomes • Review exception reports, trend defects, and oversee root-cause analysis for systemic issues • Own corrective action plans, ensuring sustainable fixes across upstream systems, processes, and vendors • Partner with Technology and Data teams to strengthen data lineage, governance, and control documentation • Lead initiatives to automate reporting and dispute workflows, reduce manual errors, and improve scalability • Evaluate and enhance dispute management platforms, reporting tools, and validation controls • Monitor industry trends, regulatory guidance, and Metro 2® updates to proactively improve processes • Provide executive-level reporting and insights on dispute volumes, root causes, consumer outcomes, and regulatory risk indicators