The Risk & Compliance team at Marqeta is seeking Credit Bureau Reporting/FCRA Dispute Manager. This team comprises six specialized departments focused on mitigating exposure to financial crimes, providing strategic regulatory guidance, and ensuring the company operates with confidence and integrity. We partner with Product and GTM teams to design compliant-by-default solutions, embedding compliance into products and processes in ways that enable faster execution and scalable growth.

As the Credit Bureau/FCRA Dispute Manager you will be accountable for the governance, accuracy, and regulatory compliance of all consumer credit reporting activities across Marqeta's credit card portfolio. This role owns end-to-end oversight of bureau reporting and dispute resolution, ensuring strict adherence to FCRA, FACTA, Metro 2®, CFPB guidance, and applicable state regulations. This leader serves as a control owner for credit reporting compliance, partners closely with Risk, Compliance, Legal, Technology, and Operations, and acts as the primary point of accountability for regulatory exams, audits, and bureau-related risk management. The role balances operational excellence with consumer protection, reinforcing trust, transparency, and fairness in line with Marqeta values.

We work Flexible First. This role can be performed remotely in the United States, only in one of our National locations, which you can review here.

What You'll Do

Credit Bureau Reporting Oversight

• 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

Regulatory Compliance & Risk Management

• 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

Data Integrity, Controls & Governance

• 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

Process, Technology & Continuous Improvement

• 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

Who You Are

• Bachelor's degree in Finance, Accounting, Business, or related field; advanced degree preferred

• 5+ years of experience in credit bureau reporting, FCRA dispute management, credit risk operations, or regulatory compliance within financial services (credit card experience strongly preferred)

• Deep expertise in Metro 2®, FCRA, FACTA, CFPB expectations, and consumer dispute handling

• Demonstrated experience supporting regulatory exams, audits, and issue remediation

• Proven people leader with the ability to build and scale high-performing teams

• Strong analytical and problem-solving skills, with the ability to translate regulatory requirements into operational controls

• Excellent written and verbal communication skills, including experience presenting to senior leaders, auditors, and regulators

• Hands-on familiarity with credit bureau reporting systems, dispute platforms, and data validation tools

Your Manager

Gary Albers, Director, Credit Risk Operations

Recruiter

Agata Wojciechowska

Typical Process

• Application Submission

• Recruiter video call

• Hiring manager video call

• Virtual “Onsite” consisting of 4-5, 45 min calls

Compensation and Benefits

Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States:

• National: A baseline tier that applies to most of the geographic territory of the United States.

• Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost-of-living areas, such as Los Angeles CA and Seattle WA

• Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City.

Visit this page or consult with a Recruiter to determine which tier would be applicable to you.

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new-hire base salary range for this position is:

• National: 123,000 - 153,800

• Premium: 133,100 - 166,400

• Premium Plus: 144,700 - 180,900

We also believe in recognizing the contributions of our people. That's why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.

About Marqeta

Marqeta is on a mission to change the way money moves. We’re one of the earliest enablers of embedded finance, a market opportunity sized up in the trillions. Our card issuing platform provides unprecedented flexibility and control for companies to issue cards, authorize transactions, and manage payment operations in real time. Marqeta is powering the most well known brands in the new economy (Block, Cash App, Affirm, Instacart, Doordash, Uber, Walmart, etc). You don’t need to be a Payments expert to join the Marqeta Team, let us help you with that. This is the opportunity of a lifetime to work with innovators around the world and unlock equitable financial access for all.

Marqeta’s Values

– Solve for the Customer: With a deep understanding of our customers' business and empathy for their needs, we deliver products and services that drive their success. Earning and keeping their trust guides everything we do.

– Do What's Right: Knowing businesses and livelihoods depend on us, we pursue solutions that disrupt responsibly and deliver high-quality results that our customers count on. We own our work from start to finish.

– Simplify and Innovate: We approach challenges with curiosity and take smart risks. Innovation comes from finding better, simpler ways to achieve extraordinary outcomes.

– Win as a Team: We succeed together by embracing diverse perspectives and pushing each other to raise the bar. We lead with humility and set aside hierarchy to work as a team.

– Make it Count: We drive forward with focus and agility. With a sense of urgency and purpose, we get the job done, and done right.

Equal Employment Opportunity, Accommodations and Privacy

Marqeta is an equal opportunity employer committed to an inclusive workplace that fosters belonging. We do not discriminate based on race, color, religion, sex (including pregnancy, lactation, childbirth, or related medical conditions), veteran status or uniformed service member status, age, national origin or ancestry, citizenship or immigration status, physical or mental disability, gender identity, gender expression, sexual orientation, genetic information (including testing or characteristics) or any other characteristic protected by applicable law. We also consider qualified applicants with criminal histories, consistent with legal requirements.

Marqeta endeavors to make reasonable accommodations for applicants with disabilities. If you are an individual with a disability and require a reasonable accommodation to submit this application, complete any pre-employment testing, or otherwise participate in the employee selection process, please submit this form with your specific accommodation request.

Personal data that is provided as part of the application and recruitment process is processed in accordance with the Applicant Privacy Notice. Additional information for California residents can be found here.