Job Description

Join a high-performing team where compliance, integrity, and business excellence go hand in hand.

We are seeking a Legal & Compliance Analyst to support regulatory compliance initiatives and help ensure adherence to applicable legal, regulatory, and corporate requirements. This role will partner closely with business stakeholders to identify compliance risks, implement controls, and support a strong culture of ethical business practices.

Responsibilities

Legal & Regulatory Oversight

Provide day-to-day legal and regulatory guidance supporting U.S. retail automotive finance and leasing operations. Monitor and interpret applicable federal and state laws and regulatory requirements. Assess the impact of new products, servicing processes, customer communications, technology changes, and third-party arrangements. Partner with external counsel on specialized regulatory matters, disputes, litigation, and state-specific requirements. Support regulatory examinations, inquiries, audits, and remediation activities.

Consumer Finance Compliance

Support the development and maintenance of the compliance management system for U.S. operations. Provide oversight of requirements including TILA/Regulation Z, the Consumer Leasing Act/Regulation M, ECOA/Regulation B, FCRA, EFTA/Regulation E, GLBA, applicable FTC and CFPB requirements, and relevant state laws. Maintain a compliance obligations inventory and ensure regulatory requirements are reflected in business policies, procedures, and controls. Advise the business on fair lending, customer protection, disclosures, adverse action, servicing, and complaint-related obligations.

Compliance Monitoring & Testing

Support risk-based compliance monitoring and testing activities. Monitor activities across origination, servicing, payments, customer communications, collections, complaints, and lease-end processes. Identify control deficiencies, assess regulatory risk, and track corrective actions through closure. Maintain documentation and evidence supporting monitoring, audit, and regulatory examination activities.

Customer Identification, AML & Fraud Controls

Provide guidance regarding applicable customer identification, sanctions, AML, fraud-prevention, and identity-verification requirements. Partner with Operations, Credit, Risk, and other stakeholders on escalated or higher-risk transactions. Assist with customer-screening and verification controls and periodic review of related policies and procedures.

Lending & Leasing

Review retail installment sales, loan, and lease documentation from a legal and compliance perspective. Review disclosures, notices, correspondence, and servicing communications. Provide guidance relating to account servicing, payment changes, modifications, payoffs, early termination, and lease maturity. Support the introduction or modification of financing and leasing products and assess applicable federal and state requirements.

Titles, Liens & Asset Protection

Provide legal and compliance oversight of vehicle title and lien processes. Advise on applicable Uniform Commercial Code and state-specific secured transaction requirements where relevant. Support controls for lien perfection, title processing, lien release, and protection of To HGS Finance Corporation security interests. Provide guidance on title, lien, and asset-security exceptions.

Collections, Repossession & Recovery

Provide guidance for delinquency management, collections, repossession, recovery, and deficiency-balance activities. Review customer communications and collection procedures for applicable federal and state requirements. Monitor risks associated with third-party collection agencies, repossession providers, and related vendors. Advise Operations on escalation of complex customer, legal, or regulatory matters and vehicle disposition following repossession or lease termination.

Contracts & Third-Party Risk

Support the review and administration of contracts with dealers, vendors, technology providers, servicing partners, collection agencies, and other third parties. Identify legal, regulatory, privacy, and compliance risks in contractual arrangements. Establish compliance requirements for outsourced activities and support third-party due diligence and ongoing oversight. Coordinate with external counsel when specialized expertise is required.

Privacy & Information Governance

Provide guidance concerning customer and financial information and applicable federal and state privacy requirements. Partner with Privacy, Cybersecurity, Technology, and Operations regarding customer-data handling and third-party access. Assess privacy implications associated with new technologies, processes, vendors, and customer interactions. Support investigation and remediation of potential privacy or compliance incidents.

Complaints, Governance & Reporting

Support the regulatory complaint-management framework and review significant complaints for potential legal, regulatory, or systemic issues. Identify complaint trends that may indicate process or control deficiencies and partner with Operations on corrective action. Prepare legal and compliance reporting and support escalation of significant matters. Maintain policies, procedures, risk assessments, issue logs, and remediation tracking. Support delivery and coordination of compliance training and promote a strong culture of compliance and customer protection.

Qualifications

Education & Professional Background

Bachelor’s degree in Business, Finance, Legal Studies, Risk, Compliance, or a related field preferred. Relevant compliance, risk, privacy, paralegal, or financial-services training or certification is an asset. Experience supporting legal or compliance activities in a regulated environment is preferred. Automotive finance, consumer lending, leasing, banking, or captive-finance exposure is an asset.

Experience

Two to four years of legal, regulatory, compliance, risk-management, consumer-finance, or related experience preferred. Experience in automotive finance, captive finance, consumer lending, leasing, banking, or financial services strongly preferred. Demonstrated understanding of U.S. federal and state consumer-finance requirements. Experience with lending or leasing documentation, servicing, collections, complaints, and third-party vendors. Experience developing compliance policies, monitoring controls, risk assessments, and remediation programs. Experience working with external legal counsel and regulators preferred.

Required Skills

• U.S. consumer-finance regulatory knowledge
• Automotive lending and leasing
• Legal and regulatory interpretation
• Compliance management systems
• Contract review and negotiation
• Policy and control development
• Compliance monitoring and testing
• Regulatory change management
• Issue and remediation management
• Vendor and third-party risk
• Executive-level written and verbal communication
• Commercial judgment, discretion,

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