Counsel - TD Auto Finance

TD Bank • Southfield, MI

16d • $140,000 - $231,000

About The Position

The TD Auto Finance Legal team supports TD Auto Finance, a division of TD Bank, N.A., by providing strategic legal guidance and operational support. The team works closely with leaders across Credit, Funding, Product, Dealer Services, Loan Servicing, Collections, Compliance, Privacy, and other areas to help enable responsible growth while managing legal risk. Provides consistent and sound legal advice in a clear, concise and responsive manner by taking initiative to develop legal knowledge and skill; knowing relevant substantive law, identifying legal issues; knowing the business and its products, operations, strategy, risk appetite and regulatory environment; owning the role of interpreting legal requirements through a balanced understanding of the law and business context to formulate relevant legal theories; and identifying business issues and policies related to the legal requirements, describing legal issues and options to the client Identifies conflict situations and brings more senior lawyers into the decision-making process as appropriate by identifying situations when actions that the business unit wants to take conflicts with TD's risk appetite and discusses with client how particular actions might be inconsistent Effectively contributes to and/or leads negotiations and conflict resolutions by gathering supportive information in preparation for the negotiation, understanding the dynamics of the process and displaying an effective combination of firmness, tact, patience and respect in dealing with all parties involved

Requirements

• Bachelors degree required
• JD from accredited law school required
• 5+ Years of related experience
• Admission to appropriate State Bar in good standing and licensed to practice law in the State
• Basic understanding of banking/financial services operations and issues
• Ability to simplify, problem solve, multitask and work effectively against deadlines
• Integrity and high moral standards
• Strong negotiation and conflict resolution skills
• Strong legal research and analysis skills
• Detail oriented
• Must be able to apply legal knowledge to the business
• Ability to exercise sound judgment
• Excellent oral and written communication skills
• Strong teamwork and client skills
• Highly motivated
• May supervise administrative and paralegal staff and junior attorneys

Nice To Haves

• Working knowledge of TILA, TCPA, SCRA, UDAAP, FTC and FCRA regulations, privacy laws, and anti-money laundering and sales/origination compliance requirements
• Experience with analyzing and interpreting federal and state laws impacting the auto finance industry
• Experience with reviewing automotive finance contracts and optional product agreements (e.g., retail installment sale contracts, credit agreements, GAP waivers and vehicle service contracts)
• Familiarity with laws and regulations governing repossession, collections and bankruptcy a plus

Responsibilities

• Provides consistent and sound legal advice in a clear, concise and responsive manner by taking initiative to develop legal knowledge and skill
• Knowing relevant substantive law, identifying legal issues
• Knowing the business and its products, operations, strategy, risk appetite and regulatory environment
• Owning the role of interpreting legal requirements through a balanced understanding of the law and business context to formulate relevant legal theories
• Identifying business issues and policies related to the legal requirements, describing legal issues and options to the client
• Identifies conflict situations and brings more senior lawyers into the decision-making process as appropriate
• Effectively contributes to and/or leads negotiations and conflict resolutions

Benefits

• Growth opportunities and skill development are defining features of the colleague experience at TD.
• Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role.
• Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.
• Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.
• You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees