Job Description and Requirements The 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. Essential Functions and Responsibilities: Provide 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. Establish and maintain policies, procedures, governance structures, strategy, objectives, and performance expectations to support SCRA, FCRA, Regulation V, CMS, and enterprise risk management alignment. Oversee data furnishing accuracy, completeness, integrity, and validation for information furnished to consumer reporting agencies, including alignment between furnished data and dispute investigation outcomes. Design, implement, and evaluate controls for credit reporting accuracy and integrity, ensuring controls are risk-based, effective, and aligned with regulatory expectations. Oversee enterprise-level SCRA and FCRA issue management, including prioritization, root cause analysis, remediation strategies, backlog monitoring, timelines, and risk exposure. Serve 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. Provide executive reporting on program performance, risks, remediation status, emerging trends, control effectiveness, FCRA compliance, and data integrity. Provide compliance oversight for decisions within authority, ensuring due diligence is completed before projects, products, or process changes are implemented. Oversee compliance-related administration and implementation of software and technology supporting department productivity and operations. Lead 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. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice). Requirements: Master’s Degree Minimum of 7 years combined financial institution and compliance experience OR 13 years combined financial institution and compliance experience in lieu of degree Minimum of 3 years management experience Experience with compliance reporting, data analytics and compliance issue management Broad knowledge of the ASCII, CDIA, CRRG, Metro 2 reporting, and SCRA Ability to conduct thorough research, interpret and understand laws and regulations and provide practical recommendations and solutions Excellent communication and interpersonal skills; as well as influencing abilities Excellent organization and time management skills; accustomed to working with deadlines Strong leadership, staff management and project management skills Strong problem solving, critical thinking, and change management skills Ability to leverage advanced business/analytical knowledge to lead discussions with cross-functional teams to understand highly complex business objectives and influence solution strategies Ability to work independently given minimal direction; self-motivated with desire to be a team player in a constructive environment Preferred: Experience with BSA, ECOA, Fair Lending, FCRA, FDCPA, MLA, OFAC, SCRA, and TILA FCRA Certificate for Data Furnishers, or similar FCRA compliance certification Experience with financial institutions larger than $10 billion in assets and exposure to oversight by the Consumer Financial Protection Bureau (CFPB) All 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. Careers at RBFCU Established in 1952, Randolph-Brooks Federal Credit Union is a full-service financial cooperative whose mission is to improve members’ economic well-being and quality of life. With assets exceeding $19.6 billion, RBFCU serves more than 1.1 million members at branches throughout Texas and Oklahoma, and online at rbfcu.org and the RBFCU Mobile® app. Recognized for financial stability, our credit union has consistently received the highest ratings of “Five Star” and “Superior” from respected organizations that evaluate financial institutions in the United States. We’re frequently recognized as one of the best workplaces on a local and national level. Our Benefits RBFCU is proud to offer a comprehensive benefits package, including: 401(k) with matching incentives — up to 10 percent Competitive pay Medical, vision and dental benefits available to employees and their families from the first day of employment Tuition reimbursement plans Life insurance Pharmacy discount programs Flexible Spending (FSA), Health Savings (HSA) and Dependent Care account options Paid time off Parental leave Company-paid benefits include: Long-term disability Basic life insurance Wellness program Credit-monitoring service Employee assistance program Training and volunteer opportunities Apply to join the RBFCU family!

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