Head of FCRA Operations and Compliance

We are seeking a seasoned and strategic Head of FCRA Operations and Compliance to build and lead all operational aspects of our Consumer Reporting Agency (CRA). As a senior leader within the organization, you will drive client- and consumer-facing operational excellence, guide regulatory adherence, and help shape the company’s use of data in FCRA-regulated product offerings.

This position is critical in ensuring transparency, accountability, and consumer protection across our data-driven services.

- Lead the formation and continuous improvement of the company’s CRA operations in compliance with FCRA requirements.

- Bring an “AI-first” mindset to all process designs with the goal of maximizing efficiency and automation while ensuring rigorous compliance with federal and state regulatory requirements.

- Build and operationalize end-to-end processes for handling consumer disclosure requests in accordance with Section 609 of the FCRA.

- Establish and maintain rigorous procedures for receiving, evaluating, and resolving consumer disputes, including reinvestigations with third-party data furnishers.

- Serve as the internal authority on FCRA regulations, offering actionable guidance and counsel to executive stakeholders, product teams, and legal counsel.

- Interpret evolving regulatory expectations and translate them into compliant business policies and procedures.

- Assess the permissibility and compliance risk of new data and product use cases under FCRA and advise accordingly.

- Establish the 1/2/3 LOD policies and processes required to maintain regulatory compliance across all relevant functions.

- Lead and/or chair internal Risk Management, Data Furnishing and Standards Monitoring, and Model Governance committees for FCRA-facing products to identify and manage potential FCRA compliance risks and ensure cross-functional visibility and accountability.

- Create and maintain comprehensive training manuals and SOPs for CRA operations teams, including all consumer- and client-facing CRA operations..

- Establish performance standards and training protocols that ensure high-quality, compliant consumer interactions.

- 15+ years of progressive experience in FCRA operations and compliance, with at least 5 years in a senior leadership capacity.

- Demonstrated experience working within or directly overseeing consumer reporting agencies, ideally with experience standing up new CRA functions. Exposure to national, national specialty, and non-603 CRAs is a plus.

- Deep expertise in FCRA, ECOA, GLBA, and state-level statutory and regulatory obligations.

- Strong leadership experience managing cross-functional teams, especially consumer operations teams, call centers, or processing groups.

- Proven ability to collaborate across legal, product, technology, and operations functions.

- Bachelor’s degree required; advanced degree and relevant certifications (e.g., CIPP/US, CRCM) are a plus.

- Opportunity to help define and shape a modern CRA from the ground up

- Competitive compensation package, including equity and performance bonuses

- Comprehensive benefits including medical, dental, and 401(k)

- A values-driven, mission-oriented culture with high-growth potential

If you’re an FCRA compliance expert ready to shape the future of consumer data transparency and trust, we’d love to meet you. Apply now and bring your leadership, knowledge, and commitment to consumer fairness to our growing team.

You must be located (or willing to relocate without assistance) in San Francisco, New York, Seattle, Miami, or DC.