Work Location:
Southfield, Michigan, United States of America
Hours:
40
Pay Details:
$160,000 - $240,000 USD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. 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. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
Line of Business:
Legal
Job Description:
Department Overview:
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.
Depth & Scope:
May manage paralegal and administrative staff, assigning responsibilities and evaluating results
Provides leadership, coaching, counseling and guidance to staff
Supervises external counsel providing advice or other legal services of the Company
Works closely with General Counsel, department attorneys and external legal counsel on specific legal issues related to the Company's business
Gives practical support and assistance to contemporaries, junior attorneys and staff
Volunteers expert advice and experience
Verifies the information has been understood
Serves in one or more permanent or ad hoc practice groups or cross-practice teams of attorneys and staff
Assists in the management of expenditures for external counsel
Advises lines of business on best practices that help minimize legal and litigation risk
May assist General Counsel in developing and managing departmental budget for both internal and external legal spend
Anticipates client needs
Deals with complex legal issues
Clearly delivers difficult messages without jeopardizing client relationships
Gives pragmatic legal opinions with reasons and rationale
Provides advice in ambiguous situations; identifies and prevents future legal risks
Identifies and takes action on future opportunities
Resolves most situations where conflicts arise between the needs and desires of specific business units and the interests of the Company without requiring intervention of more senior attorneys
Demonstrates highest professional ethical and behavioral standards and complies with all applicable Bar Rules and Codes of Professional Responsibility, and corporate ethical and behavioral standards
Participates in special projects and performs additional duties as required
Education & Experience:
Bachelors degree required
J.D. from an Accredited Law School required
10+ Years of related experience
Strong knowledge of at least one area of law relating to banking/financial services operations and issues
Integrity and high moral standards
Strong negotiation and conflict resolution skills
Strong legal and analysis skills
Detail oriented
Must be able to apply legal knowledge to the business
Ability to exercise sound judgment
Strong interpersonal skills
Excellent oral and written communication skills
Strong teamwork and client skills
Highly motivated
Ability to provide difficult, complex and unwelcomed legal advice credibly and convincingly to management
Strong technology aptitude including i) proficiency with standard office software and ability to learn and apply new technologies in work environment and ii) capacity to understand current and emerging technologies in the industry and how they affect business objectives
Ability to identify problems and barriers, and effectively implement solutions to advance business strategy
Operates with creativity and innovation; seeks different perspectives and new ideas
Ability to work in a fast-paced environment and manage multiple deadlines and priorities
Understands the value of knowledge management , builds and supports systems and tools that efficiently connect people to the knowledge they need to do their job
Preferred Qualifications:
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
Physical Requirements:
Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%
Domestic Travel - Occasional
International Travel - Never
Performing sedentary work - Continuous
Performing multiple tasks - Continuous
Operating standard office equipment - Continuous
Responding quickly to sounds - Occasional
Sitting - Continuous
Standing - Occasional
Walking - Occasional
Moving safely in confined spaces - Occasional
Lifting/Carrying (under 25 lbs.) - Occasional
Lifting/Carrying (over 25 lbs.) - Never
Squatting - Occasional
Bending - Occasional
Kneeling - Never
Crawling - Never
Climbing - Never
Reaching overhead - Never
Reaching forward - Occasional
Pushing - Never
Pulling - Never
Twisting - Never
Concentrating for long periods of time - Continuous
Applying common sense to deal with problems involving standardized situations - Continuous
Reading, writing and comprehending instructions - Continuous
Adding, subtracting, multiplying and dividing - Continuous
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.
Who We Are:
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.
Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. 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. Learn more (http://hrportal.ehr.com/tdtotalrewards)
Additional Information:
We're delighted that you're considering building a career with TD. 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.
Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. 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.
If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.
We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.
Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
Accommodation
TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law.
If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
