Senior Counsel – Automotive Financial Consumer Servicing

This role is on a hybrid schedule in either our Detroit, MI,  Charlotte, NC  or Lewisville, TX office  , in office with some remote work. 

The Senior Counsel will serve as a legal advisor for the firm’s automotive financial consumer servicing business, leveraging some expertise in consumer finance, automotive lending, and regulatory compliance. This role will provide strategic counsel on routine and complex transactions, regulatory matters, and risk management.

• Serve as lead legal advisor on matters related to the servicing of automotive consumer retail installment sales contracts, direct loans, and leases, including repossession, collections, certificate of title, complaint handling, military lending, seizure impound and fraud matters, and eligibility of aftermarket products refunds.
• Oversee compliance with federal and state consumer protection laws and regulations (e.g., TILA, ECOA, FCRA, FDCPA, UCC, CFPB guidance), and advise on regulatory developments.
• Develop, implement, and enhance policies and procedures in partnership with compliance, risk, and business teams.
• Provide strategic guidance to management on legal risks, regulatory trends, and business initiatives.
• Manage relationships with outside counsel, consult on servicing litigation, regulatory inquiries, and audits.
• Represent the firm in negotiations, regulatory meetings, and industry forums.
• Respond to complex consumer complaints, regulatory investigations, and enforcement actions.

• Juris Doctor (JD) from an accredited law school; active license to practice law.
• 3-5 years of legal experience in consumer financial services, automotive finance, or related field.
• Demonstrated expertise in federal and state consumer finance laws and regulations.
• Significant experience with contract negotiation, transactional work, and regulatory compliance.
• Proven ability to provide strategic legal counsel to senior leadership.
• Excellent communication, analytical, and problem-solving skills.
• Strong leadership and mentoring abilities.

• Prior in-house counsel experience at a financial services or automotive finance company.
• Familiarity with technology platforms, data privacy, and cybersecurity issues in financial services.

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.