Junior Regulatory Counsel (Financial Services / Lending)

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Location: SAFCO Corporate Headquarters – Fort Lauderdale, Florida

Schedule: On-site in Florida, five days per week (not remote or hybrid)

Drive Your Career Forward with SAFCO

Southern Auto Finance Company (SAFCO) is a fast-growing, mission-driven auto finance lender helping customers across the nation move forward with confidence.

We are seeking a junior 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.

Why You’ll Want to Join SAFCO

• Industry leadership: Make a measurable impact in a highly regulated, rapidly evolving financial-services environment.
• Executive influence: Partner directly with the CEO and senior leadership to guide corporate strategy and enterprise risk.
• Comprehensive rewards: Competitive executive compensation, performance bonus, and robust benefits (401(k) match, medical/dental/vision, life, and disability).
• Growth & impact: Build and lead the legal and compliance framework for a national lender expanding its reach and sophistication.
• Culture: A collaborative, entrepreneurial environment where integrity, innovation, and service define success.

What You’ll Do

• 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.

What You Bring

• Education: J.D. from an accredited law school; active Florida Bar membership preferred (or Authorized House Counsel eligibility).
• Experience: Minimum 1–3 years of progressively responsible legal experience in consumer finance, banking, or financial-services compliance — this background is required.
• Regulatory Expertise: Demonstrated, current working knowledge of federal and state consumer-lending laws and regulations, including FDCPA, TILA, FCRA, ECOA, UDAAP, GLBA, and CFPB standards.
• Leadership: Proven ability to influence senior leaders, manage outside counsel, and translate regulatory language into clear business action.
• Mindset: Pragmatic, solutions-oriented, and energized by the pace of a high-growth lender.

Why SAFCO

At SAFCO, you’ll join a team of passionate professionals dedicated to responsible lending, operational excellence, and helping customers succeed. Your counsel won’t just protect the company—it will shape how we grow responsibly and sustainably in the consumer-finance marketplace.

Ready to Lead?

If you’re a financial-services attorney ready to take on a visible, high-trust executive role where your regulatory expertise truly drives success, we’d love to meet you.

Apply today and help drive what’s next at SAFCO.

SAFCO is an Equal Opportunity Employer and maintains a drug-free workplace.

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