New Membership Onboarding/Application Processor

Using their ability to work independently and multi-task, accurately perform all New Membership Onboarding responsibilities from being assigned a new membership application all the way through to new client activation. The New Membership Onboarding Specialist (Application Processor) will utilize documented Vetting policies and procedures while relying on their Compliance knowledge and experience to make judgement calls as necessary. The Application Processor will assist with the Compliance Team (application status) phone queue, and will interact with new membership client applicants in a timely, professional manner both by email and by phone.

Principal Duties
In addition to the duties set forth below, other duties may be assigned as deemed necessary by VP Risk Management.

  • Establish Rapport: Call applicant within 1 business day of being assigned application to ensure applicant has received email regarding physical inspection and the onboarding process. (Compliance ‘clerk’ will have called the applicant within 2 business hours of application completion).
  • Provide expertise and answers: Answer questions about the onboarding process and provide Best Business Recommendations to assist with getting applicant on-boarded quickly.
  • Vet Applicant: Conduct all vetting (New Membership Onboarding) work for applications assigned in a timely and accurate manner; goal from application to activation is 5 business days (assuming no hold up on the applicant’s part).
    • New Membership 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 SalesForce with all compliance information, notes, etc.
  • Ordering physical inspection with 3rd party vendor
  • Setup vetted applicants in MCL according to their service agreement details and utilizing the appropriate pricing template.
  • Track work and details: Using CRM fields and checklists in GM (eventually SalesForce), log and track verification and completion of each aspect of the vetting process.
  • Store documentation: Use DocuWare to label and store all vetting documentation in keeping with requirements.
  • Ensure excellence and accuracy: stay abreast of updates to Onboarding and Compliance-specific Zavanta documents.
  • Liaise with and provide supportive follow ups with TrendSource and the applicant regarding physical inspections.
  • Work cooperatively with the Internal Auditors to correct errors and get applicant activated in a timely manner.
  • Authority
    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