Regulatory Counsel (Financial Services / Lending)

Southern Auto Finance Company, LLC•Pompano Beach, FL

3d•Onsite

About The Position

Southern Auto Finance Company (SAFCO) is seeking an accomplished Regulatory Counsel with direct, hands-on experience in consumer-lending and financial-services law. This role requires a strong command of federal and state regulations governing credit and servicing, including—but not limited to—FDCPA, FCRA, TILA, ECOA, UDAAP, and CFPB oversight requirements. As a key strategic advisor to our CEO, executive leadership team, and Board of Directors, you will shape company policy, strengthen our compliance posture, and ensure that every decision aligns with both regulatory obligations and business goals. Your counsel won’t just protect the company—it will shape how we grow responsibly and sustainably in the consumer-finance marketplace.

Requirements

J.D. from an accredited law school; active Florida Bar membership preferred (or Authorized House Counsel eligibility).
Minimum 2–5 years of progressively responsible legal experience in consumer finance, banking, or financial-services compliance — this background is required.
Demonstrated, current working knowledge of federal and state consumer-lending laws and regulations, including FDCPA, TILA, FCRA, ECOA, UDAAP, GLBA, and CFPB standards.
Proven ability to influence senior leaders, manage outside counsel, and translate regulatory language into clear business action.
Pragmatic, solutions-oriented, and energized by the pace of a high-growth lender.

Responsibilities

Serve as the company’s compliance officer, ensuring enterprise-wide adherence to federal and state lending and servicing regulations.
Oversee regulatory and consumer-lending compliance, including FDCPA, TILA, FCRA, ECOA, UDAAP, and CFPB requirements, as well as multi-state licensing and audit readiness.
Advise leadership and the Board on legal, regulatory, and governance matters.
Manage litigation, regulatory inquiries, and outside counsel relationships.
Draft, review, and negotiate complex commercial agreements that support business objectives while mitigating risk.
Lead compliance training, internal audits, and continuous-improvement initiatives.
Monitor emerging legislation and guidance impacting auto and consumer finance to keep SAFCO ahead of the curve.