Compliance and Retail Operations Manager
- Cactus Jack's Auto - 2440 W Camelback RD
- 2440 W Camelback Rd, Phoenix, AZ
- Full Time
- $90,000 – $120,000 a year
Compliance and Retail Operations Manager
Cactus Jack's Auto | Reports to VP of Operations
A Little About Us
Cactus Jack's Auto is a growing, integrated auto sales and finance company. We like people who think for themselves, help others succeed, and enjoy solving tough problems. We take the rules seriously, but we still know how to have fun. The Opportunity We're looking for an experienced, business-minded leader to own compliance across our dealership and related finance operations while strengthening retail execution. You'll build a practical compliance program, work directly with managers, and partner with the VP of Operations, CEO, and CFO to protect customers, reduce risk, and support continued growth.
What You Will Own
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- Lead the compliance management system, including annual risk assessments, policies, risk-based monitoring and testing, issue remediation, and regular reporting to leadership.
- Own Arizona and Texas licensing, renewals, bonds, new-location filings, regulator relationships, examinations, and Arizona third-party MVD oversight. • Guide compliance in vehicle sales, loan origination, servicing, collections, repossessions, customer disclosures, advertising, and ancillary products. Translate regulatory changes into clear operating requirements.
- Provide independent oversight of credit reporting and disputes, including FCRA and Regulation V controls, periodic Metro 2 accuracy testing, and corrective action. Daily processing remains with Finance and Servicing.
- Partner with IT and operations on privacy, information security, identity-theft controls, and oversight of compliance-sensitive vendors.
- Develop useful compliance training for sales, finance, servicing, collections, and MVD teams, and track required completion and follow-up.
- Work with retail managers and outside counsel to improve processes, customer experience, and accountability, and verify that corrective actions are working.
What We Are Looking For
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- 5+ years of consumer finance compliance experience, including 3+ years leading a compliance function. Integrated auto finance, subprime auto, or installment lending experience strongly preferred.
- Strong working knowledge of TILA, ECOA, FCRA, GLBA, UDAP/UDAAP, and Arizona and Texas dealer and sales finance requirements. .
- Experience with regulatory examinations, credit reporting oversight, Metro 2 furnishing, and e-OSCAR disputes.
- Bachelor's degree required; JD or CRCM and bilingual English/Spanish are pluses.
- Clear communication, sound judgment, constructive accountability, and strong follow-through. Able to challenge a practice and offer a workable alternative.
The Bottom Line
We want someone with high standards, hard working, and a practical approach to getting things done. If you can keep our company compliant while helping our teams operate better, we'd love to talk.