At Credit Acceptance, we are building on the foundation of a successful business while investing in the future through technology, data, AI, and continuous improvement. As we continue to evolve, our Team Members play an active role in improving experiences, driving meaningful change, and shaping the future of our business. We foster an environment where people are empowered to contribute ideas, develop their careers, make an impact, and help lead our continued transformation.
Our Enterprise teams provide the expertise, insights, and partnership that help our business and people succeed. Team Members collaborate across the organization to solve challenges, support informed decision-making, and enable the strategies and initiatives that move our business forward. We value curiosity, continuous learning, and diverse perspectives from people who are passionate about making a meaningful impact on our customers, Team Members, and business.
Outcomes and Activities:
Digital Engagement
Serve as lead legal counsel for the privacy and consumer-information aspects of the Company’s digital consumer journey, from prequalification through contract origination.
Advise on the acquisition, use, and sharing of consumer information, including FCRA permissible purpose, consumer-report authorizations, fraud prevention, and related consumer notices and consents.
Partner with the business in evaluating and selecting vendor products and data solutions that use consumer-report or other FCRA-governed information for identity and income verification, fraud prevention, and other consumer-engagement purposes.
Provide legal guidance for consumer-facing digital communications and credit advertising, including TILA and Regulation Z advertising requirements, digital disclosures, adverse-action communications, and other consumer-protection requirements affecting the digital experience.
Partner with Product, Engineering, Marketing, Compliance and origination counsel on the design and launch of marketplace capabilities, with this role owning the privacy, consumer-information, FCRA, digital consumer-engagement and consumer-facing credit-advertising framework.
Privacy & Security
Serve as the primary privacy and information security counsel to Marketing, Engineering, and business teams on new features, products, and initiatives, from design through launch.
Interpret developments in federal and state privacy laws, including GLBA and FCRA, and turn them into practical, risk-based guidance.
Support the privacy program with Information Security, Data Engineering, and Compliance, including risk and impact assessments, privacy rights requests, and data retention and minimization.
Draft and negotiate data protection agreements, data-use restrictions, audit rights, and security schedules structured to protect the Company’s interests.
Lead legal strategy for any data breach or cyber incidents, including privilege, notification, and regulator engagement.
Keep legal and business leadership informed about the privacy and security program and emerging risks.
AI Governance
Support the enterprise AI governance framework, including drafting policies, standards, risk classification, and the enterprise AI inventory.
Design and maintain the intake and assessment process used to enable the review and approval of AI tools and systems by Corporate Legal.
Draft and negotiate privacy and acceptable AI-use terms in dealer, technology, and vendor agreements, including permitted use, data rights, training restrictions, output ownership, and allocation of responsibility.
Partner with consumer finance counsel to advise on dealer and consumer disclosures when our AI tools shape what shoppers see or how dealers engage them.
Own the legal framework around AI training data, model documentation, and data retention, using the NIST AI Risk Management Framework as the standard.
Track AI regulation and agency guidance with Government Relations.
Interpret developments in Federal and state AI-related…