Director, Compliance and Enterprise Governance

American Credit Acceptance, LLC; Spartanburg (SC); On-site; USD 145,000 - 190,000; Full time

Job summary

American Credit Acceptance is seeking a Director of Compliance and Enterprise Governance to lead enterprise-wide governance and risk programs in Spartanburg, SC. The role partners with Legal, Internal Audit, Operations, Technology, Risk, and HR to advance governance across the organization and ensure regulatory alignment.

The onsite position requires relocation to Spartanburg by start date and offers an opportunity to shape governance frameworks and AI governance in a high-growth auto finance

Qualifications

• Bachelor’s degree in Business, Finance, Risk Management, Legal Studies, or a related discipline.
• 10+ years of progressive compliance, regulatory, risk management, audit, or financial services experience.
• 5+ years of leadership experience managing managers and professional staff.
• Experience within auto finance or consumer lending preferred.
• Experience leading Regulatory Change Management, Vendor Management, Operational Resilience, AI Governance, or enterprise compliance transformation initiatives a plus.

Responsibilities

• Develop and execute strategic initiatives strengthening enterprise-wide governance and compliance practices.
• Lead a team and provide development opportunities for governance and compliance functions.
• Partner with executive leadership to set governance priorities aligned with regulatory expectations.
• Present executive and Board-level reporting on governance, risks, and strategy.
• Oversee fraud operations and fraud risk management activities.
• Collaborate with Operations and Technology to strengthen prevention and detection capabilities.
• Oversee Vendor Management Office activities and third-party compliance requirements.

Skills

Governance leadership

Executive communication

Education

Bachelor's degree in Business/Finance/R risk

Job description

Description

About the Team: The Director, Compliance and Enterprise Governance, is part of the Legal and Enterprise Risk team that provides strategic leadership, oversight, and execution of enterprise-wide programs that ensure ACA maintains effective operational governance and risk management practices.

The Opportunity

The Director is responsible for leading multiple enterprise risk and governance functions while partnering across the organization to integrate governance practices into day-to-day business operations. Compliance and governance functions include compliance strategy, vendor management, operational resilience, fraud risk, compliance training, the privacy office, records retention, and artificial intelligence governance.

This role develops and executes effective governance programs and compliance strategies while ensuring continuous improvement and operational excellence. The Director serves as a trusted advisor to executive leadership and works collaboratively with Legal, Internal Audit, Operations, Technology, Risk and Human Resources.

This role is onsite and based out of our headquarters in Spartanburg, South Carolina. Open to candidates willing to relocate. Position requires relocation to Spartanburg, SC by start date.

What You’ll Do

• Develop and execute strategic initiatives that strengthen the company's enterprise-wide operational governance and compliance practices.
• Lead a team and provide development opportunities and direction for operational governance and compliance functions while fostering a culture of integrity, accountability, and continuous improvement.
• Partner with executive leadership to establish operational governance and compliance priorities aligned with business objectives and regulatory expectations.
• Prepare and present executive and Board-level reporting regarding enterprise-wide operational governance, emerging risks, monitoring activities, and strategic initiatives.
• Oversee fraud operations and fraud risk management team to identify fraud trends, regulatory expectations, emerging risks, and operational performance.
• Partner with Operations and Technology to strengthen fraud prevention and detection capabilities.
• Provide oversight of Vendor Management Office activities and third-party compliance requirements ensuring vendors are appropriately assessed, monitored, and governed in accordance with regulatory expectations.

Operational Resilience & Business Continuity

• Lead compliance oversight of Operational Resilience initiatives, including Business Impact Analysis, critical service mapping, recovery planning, testing, and governance.
• Partner with operational stakeholders to strengthen enterprise resilience capabilities and monitor resilience metrics, testing results, remediation activities, and executive reporting.

Compliance Training & Records Governance

• Direct enterprise compliance training strategy, curriculum, reporting, and effectiveness and promote enterprise awareness of compliance obligations through effective education and communication.
• Oversee Records Management and Records Retention governance, ensuring compliance with legal and regulatory requirements.

Artificial Intelligence Governance

• Provide compliance oversight for artificial intelligence governance activities, including overseeing monitoring, reporting, and governance activities associated with AI-enabled business processes.
• Evaluate emerging AI-related regulatory requirements and business impacts.
• Partner with Legal, Technology, Risk, and business leaders to establish governance frameworks supporting responsible AI implementation.

What You Bring

• Demonstrated experience leading enterprise governance and compliance initiatives.
• Strong analytical, communication, and executive presentation skills.

Qualifications

• Bachelor’s degree in Business, Finance, Risk Management, Legal Studies, or a related discipline.
• 10+ years of progressive compliance, regulatory, risk management, audit, or financial services experience.
• 5+ years of leadership experience managing managers and professional staff.
• Experience within auto finance or consumer lending preferred.
• Experience leading Regulatory Change Management, Vendor Management, Operational Resilience, AI Governance, or enterprise compliance transformation initiatives a plus.

Who We Are

At American Credit Acceptance (ACA), we’re not just navigating the road ahead—we’re building it. As a national leader in auto finance with over $7 billion in assets, thousands of dealer partners, and more than 1,400 associates across the country, we’re fulfilling our mission — to enable the emerging credit consumer to purchase affordable and reliable transportation. We’re equally committed to helping our customers improve their credit and achieve long‑term financial stability.

Since 2007, we’ve built a business grounded in integrity, innovation, and a commitment to service. Whether you’re launching your career or looking for your next opportunity, ACA is a place where you can make a meaningful impact—on our customers, our industry, and your future.

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state, and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

California Privacy Notice

"As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice."

Please note this job description is not designed to cover or contain a comprehensive listing of all activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

You are not officially considered an applicant unless you have completed an employment application in ACA’s online applicant tracking system, Jobvite.