Head of FCRA Operations and Compliance

About the Role

Our client is building its own Consumer Reporting Agency (CRA) from the ground up, with credit products to be built on top of it. FCRA operations come first, which makes this the foundational role for the entire effort. We are seeking a seasoned Head of FCRA Operations and Compliance to stand up and lead all operational aspects of the CRA. You will drive client- and consumer-facing operational excellence, guide regulatory adherence, and help shape how the organization uses data in FCRA-regulated product offerings. This position is critical to ensuring transparency, accountability, and consumer protection across data-driven services.

This is a build-from-zero mandate inside a fast-moving environment. The business moves with industry trends and the roadmap shifts on a four to six week cadence, so you will need to operate with both regulatory rigor and startup agility.

What You'll Do

Process Development and Operations Management

• Lead the formation and continuous improvement of the CRA operations in compliance with FCRA requirements
• Bring an AI-first mindset to all process design, 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

Regulatory Compliance Leadership

• Serve as the internal authority on FCRA regulations, offering actionable guidance 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 lines of defense policies and processes required to maintain regulatory compliance across all relevant functions

Training and Governance

• Lead or chair internal Risk Management, Data Furnishing and Standards Monitoring, and Model Governance committees for FCRA-facing products to identify and manage 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 operations
• Establish performance standards and training protocols that ensure high-quality, compliant consumer interactions

What You Bring

• 15+ years of progressive experience in FCRA operations and compliance, with at least 5 years in a senior leadership capacity (Director, VP, or Head)
• Experience at a major consumer reporting bureau is strongly preferred; experience standing up new CRA functions and prior startup experience are significant pluses
• Demonstrated experience working within or directly overseeing consumer reporting agencies. 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
• Comfort operating in a highly reactive environment where priorities shift on a four to six week cadence
• Bachelor's degree required; advanced degree and relevant certifications (e.g., CIPP/US, CRCM) are a plus

What We Offer

• Executive-level role with strategic impact
• The opportunity to 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

Join Us

If you're an FCRA compliance expert ready to shape the future of consumer data transparency and trust, we'd love to meet you. Bring your leadership, knowledge, and commitment to consumer fairness to a growing team.