Compliance Specialist

Using their ability to work independently, make critical judgement calls and multi-task, accurately audit existing clients to ensure legitimacy of their business, location and their permissible purpose on an annual basis and/or as dictated by change in ownership, activity and/or location. In an ongoing manner, monitor client for anomalous activity, including but not limited to self-pulls and invalid social security number usage. Consistently educate, communicate and hold clients accountable to Bureau and Regulatory requirements. The Compliance Specialist will utilize documented policies and procedures while relying on their Compliance knowledge and experience to routinely make judgment calls as necessary. The Compliance Specialist assist with the Compliance Team phone queue and will interact with clients in a timely, professional manner both by email and by phone.

Required Experience and Skills

  • Possess at minimum a basic knowledge and understanding of laws relevant to Credit Data and related services, such as, but not limited to, the FCRA, FACTA, ECOA, RESPA and GLB.
  • Knowledge of the compliance policies of consumer reporting agencies (CRA) Experian, Equifax, Transunion with respect to Reseller requirements
  • Experience with auditing or vetting clients to FCRA and Bureau standards
  • Knowledge of state and federal (NMLS) mortgage company & loan officer licensing requirements
  • Demonstrate diplomacy with coworkers and clients to resolve compliance issues
  • Attention to detail and ability to independently multi-task work to completion
  • Strong verbal and written communication skills
  • Strong MS Office Word, Excellent MS Office Excel
    • Experience with SalesForce a plus
    • Reseller or CRA experience a plus
    • Mortgage industry compliance experience a plus

Principal Duties

  • Perform weekly audits on those end users who pull their own credit report.
  • Perform annual audits on all clients to include verification of ownership, permissible purpose, location and bona fides, as well as consumer consent.
  • Ongoing monitoring of clients for self-pulls and invalid SSN, at minimum
  • For clients adding a new branch, review documentation and perform quality control submitted by internal sales support and activate account.
  • Communicate with Accounting Department on any accounting items when closing or reactivating an account.
  • Every six months run a report in MCL that shows all users who have the ‘off_inactive’ setting on them and verify that all ‘human’ users have this removed for security purposes.
  • Create/manage templates in GoldMine as needed.
  • Create/manage templates in DocuSign for service agreements, custom agreements, branch add forms, audits, etc.
  • Perform audits of any client or end user for which we have received a complaint/dispute or with whom we have had other compliance issues.
  • Assist in gathering documentation when the Bureaus and/or SOC II auditors conduct their annual audits of our company.
  • Perform due diligence on our vendors by obtaining and maintaining documentation.
  • Respond to vendor due diligence requests from prospects and current clients.
    • Supply documentation requested
    • Create and facilitate the signing of mutual NDA if applicable
    • Ensure documentation is up to date
  • Cross-trained on New Client Onboarding: expeditious yet careful vetting of new clients prior to activation including documentation, communication and setup in keeping with Bureau requirements and company standards.
    • For client prospects that complete our online application and service agreement for credit data and related services: thoroughly vet the company to ensure they are a good fit prior to activation.
      This includes but isn’t limited to:

      • Verifying license via NMLS/state mortgage websites
      • Establishing company Bona Fides via their state’s Secretary of States website and/or other resources
      • Performing internet searches on the company/personal guarantor
      • Communicating Status of Account with internal partners
      • Ordering and reviewing onsite inspections of applicant
      • Updating CRM platform GoldMine with all compliance information, notes, etc.
  • Work on any special projects as requested.

Supervisory Responsibilities: None

Reports to
Compliance Manager

Eligibility Requirements

  • Internal: current ACI employee with minimum 6 months superior, relevant experience (i.e. Credit Verification).
  • External: suitable candidates will have relevant Reseller and/or CRA compliance experience, a suitable home office, and will meet the minimum ISP requirements.

Working Conditions
This job requires that you be physically and mentally able to work independently 8 hours a day at a desk with a computer setup, phone and video camera.


  • Minimum 6 months Credit Verification (or similar) experience at Advantage Credit, Inc.
  • Proven ability to consistently and quickly investigate, document and support vetting results.
  • Previous compliance experience or equivalent combination of education and experience.

Other Skills and Abilities

  • Able to function independently in a multi-task environment, as well as part of a team
  • Comfortable communicating with internal and external clients
  • Likes to keep busy: ensuring they fully occupied with the job throughout the day
  • Able to correctly judge when to check with management vs. when to proceed
  • Flexible with change and able take constructive criticism in stride
  • Positive attitude and patience
  • Computer skills should include strong MS Office Suite skills along with overall computer literacy
  • Ability to learn and adapt to new software programs
  • Experience with SalesForce
  • Strong planning and organizational skills
  • Detail oriented; rule-follower
  • Comfortable using a web camera for internal meetings with teammates and management

Performance Guidelines; General Expectations

To perform the job successfully, a suitable candidate will demonstrate the following competencies:

  • Oral and Written Communication – Demonstrates strong attention to detail; presents accuracy and thoroughness while speaking and writing clearly, concisely, effectively and informatively; responding appropriately and respectfully to questions and concerns in a timely manner. Edits/proofs own written documentation for spelling and grammatical errors. Ability to read and interpret written information.
  • Motivation and Problem solving – Works well in problem solving situations, demonstrating persistence to overcome obstacles, using reason and common sense when dealing with a variety of situations and topics. Demonstrates openness to input and suggestions from others, always looking for ways to improve and promote quality product, providing input to management.
  • Planning and Organization – Able to prioritize and plan work activities, demonstrating ability to utilize time efficiently.
  • Attendance, Punctuality and Dependability – Is punctual, ensuring work responsibilities are covered when absent, attends meetings promptly. Responds promptly to client, borrower and co-worker needs. Follows instructions, responding to management direction and guidance, completing tasks on time, notifying the appropriate person as necessary to keep apprised of any issues or with an alternative plan.
  • Interpersonal Skills – Focuses on resolving conflict, maintaining confidentiality at all times, listening to others without interrupting, keeping emotions under control and remaining open to the ideas of others.
  • Teamwork – Contributes to building a positive team atmosphere, supporting each individual’s efforts to succeed.
  • Work ethics – Treats all others with respect, integrity and professionalism in a tactful manner, whether be it co-worker, management, clients, borrowers, vendors, creditors, etc., even when under pressure. Follows through on all commitments.
  • Cost Consciousness – Remains mindful of conserving organizational resources.
  • Organizational Support – Follows policies and procedures and completes administrative tasks in a timely manner.


  • Attendance Record
  • Audit Results (Audit the Auditor)
    • Quantity, Speed, and Quality
  • Compliance with ACI policies and procedures
  • Audited employee feedback
  • Periodic reviews by Management

Author / Owner / Subject Experts / Contributing Authors:
The following subject experts may be consulted for additional information:

  • Internal Compliance Trainer: Michele Fricano
  • Compliance Manager: Christie Nguyen
  • VP Risk Management: Evon Butterworth

To apply for this position, email your cover letter and resume to Angela Langford at or Lisa Posterero at