Regulatory Change - Compliance

American Credit Acceptance, LLC; Spartanburg (SC); On-site; USD 80,000 - 105,000; Full time

Job summary

American Credit Acceptance (ACA) is seeking a Regulatory Change Analyst to drive regulatory change management across Compliance, Legal, and Operations. You will monitor developments, assess impacts, and coordinate implementation of new regulatory requirements into business processes.

You will partner with Legal and Compliance to translate obligations into practical controls, communicating changes clearly to leaders and teams, and maintaining comprehensive regulatory inventories and documentation.

Qualifications

• Bachelor's Degree.
• 3+ years of relevant experience in Compliance, Legal, Regulatory Affairs, Risk Management, Financial Services, or a related field.
• Strong analytical and critical thinking skills.
• Excellent written and verbal communication abilities.
• Ability to independently research and interpret complex regulatory requirements.
• Strong organizational skills and attention to detail.
• Experience managing multiple priorities and projects simultaneously.
• Proficiency with Microsoft Office Suite (Outlook, Excel, Word, PowerPoint).

Responsibilities

• Research and monitor state and federal regulatory developments impacting ACA's business operations.
• Assess applicability and business impact of new laws and regulations in partnership with Legal and Compliance.
• Coordinate implementation activities to ensure regulatory requirements are effectively integrated into business processes.
• Partner with stakeholders to identify operational impacts and develop practical compliance solutions.
• Communicate complex regulatory changes in a clear, concise, and business-friendly manner.
• Maintain regulatory inventories, impact assessments, implementation plans, and supporting documentation.
• Serve as a trusted advisor to business leaders, Legal, Compliance, and operational teams.
• Facilitate discussions and collaborate with stakeholders to implement compliant and effective business solutions.
• Support evaluation of regulatory requirements for new products, services, and business initiatives.
• Help translate regulatory obligations into sustainable controls and monitoring activities.
• Manage and respond to compliance-related inquiries.
• Conduct regulatory research and compliance analysis.
• Assist with regulatory examinations and audit activities.
• Coordinate information gathering and response efforts across business units.
• Support remediation planning and implementation related to examination findings.
• Monitor regulatory developments, industry publications, and emerging legislation.
• Evaluate potential impacts of proposed laws and industry changes.
• Provide insights that help ACA proactively prepare for future regulatory requirements.

Skills

Analytical thinking

Critical thinking

Excellent communication

Research regulatory requirements

Project management

Education

Bachelor's Degree

Tools

Microsoft Office Suite (Outlook, Excel, Word, PowerPoint)

Job description

Description

At American Credit Acceptance (ACA), compliance isn't just about keeping up with regulations. It's about helping the business navigate change, identify opportunities, and ensure we continue to serve our customers responsibly while growing in a dynamic regulatory environment.

Regulatory Change Analyst - Compliance

We're looking for a curious, analytical, and proactive professional to join our Compliance team as a Regulatory Change Analyst. This role offers a unique opportunity to work at the intersection of Compliance, Legal, Operations, and business strategy while leading ACA's regulatory change management process.

If you enjoy researching complex regulatory issues, partnering with stakeholders across the organization, and turning regulatory requirements into actionable business solutions, we'd love to hear from you.

Why This Role Matters

As the Regulatory Change Analyst, you'll serve as ACA's primary resource for monitoring and evaluating regulatory developments that impact our business. You'll help ensure we stay ahead of evolving requirements across areas such as:

• Auto Finance
• Consumer Protection
• Privacy & Data Protection
• Artificial Intelligence
• State and Federal Regulatory Requirements

Your work will directly influence business decisions, operational processes, compliance controls, and future initiatives across the organization.

What You'll Do

Coordinate Regulatory Change Processes

• Research and monitor state and federal regulatory developments impacting ACA's business operations.
• Assess applicability and business impact of new laws and regulations in partnership with Legal and Compliance.
• Coordinate implementation activities to ensure regulatory requirements are effectively integrated into business processes.
• Partner with stakeholders to identify operational impacts and develop practical compliance solutions.
• Communicate complex regulatory changes in a clear, concise, and business-friendly manner.
• Maintain regulatory inventories, impact assessments, implementation plans, and supporting documentation.

Influence Cross-Functional Business Decisions

• Serve as a trusted advisor to business leaders, Legal, Compliance, and operational teams.
• Facilitate discussions and collaborate with stakeholders to implement compliant and effective business solutions.
• Support evaluation of regulatory requirements for new products, services, and business initiatives.
• Help translate regulatory obligations into sustainable controls and monitoring activities.

Support Compliance Operations

• Manage and respond to compliance-related inquiries.
• Conduct regulatory research and compliance analysis.
• Assist with regulatory examinations and audit activities.
• Coordinate information gathering and response efforts across business units.
• Support remediation planning and implementation related to examination findings.

Stay Connected to Industry Trends

• Monitor regulatory developments, industry publications, and emerging legislation.
• Evaluate potential impacts of proposed laws and industry changes.
• Provide insights that help ACA proactively prepare for future regulatory requirements.

What Makes You Successful

You enjoy solving complex problems and translating legal and regulatory requirements into practical business actions.

You thrive when:

• Researching and analyzing challenging topics.
• Working across multiple teams and departments.
• Managing several projects simultaneously.
• Simplifying complex information for various audiences.
• Building strong partnerships and influencing without direct authority.
• Taking initiative and driving work independently.

Qualifications

Required

• Bachelor's Degree.
• 3+ years of relevant experience in Compliance, Legal, Regulatory Affairs, Risk Management, Financial Services, or a related field.
• Strong analytical and critical thinking skills.
• Excellent written and verbal communication abilities.
• Ability to independently research and interpret complex regulatory requirements.
• Strong organizational skills and attention to detail.
• Experience managing multiple priorities and projects simultaneously.
• Proficiency with Microsoft Office Suite (Outlook, Excel, Word, PowerPoint).

Preferred

• Experience in auto finance, banking, lending, fintech, or other regulated financial services environments.
• Experience supporting regulatory change management initiatives.
• Experience partnering with Legal and Compliance teams.
• Knowledge of consumer finance regulations and state licensing requirements.
• Experience coordinating cross-functional implementation efforts.
• Paralegal certification.

What You'll Gain

• Exposure to executive and business leadership.
• Opportunities to partner closely with Legal, Compliance, and operational leaders.
• Visibility across the organization and involvement in strategic initiatives.
• Experience navigating emerging areas of regulation, including privacy and AI.
• A chance to make a meaningful impact on how ACA manages risk and regulatory change.

Work Environment

This position is based in a professional office environment and utilizes standard business technology and office equipment.

• Full-time position
• Monday-Friday schedule
• Minimal schedule variations as business needs require
• No travel required

Join ACA

If you're looking for a role where you can do more than simply interpret regulations and instead help shape how a business responds to them, this is an excellent opportunity to grow your career while making a measurable impact across the organization.

Travel

This position will not require travel.

Please note this job description is not designed to cover or contain a comprehensive listing of 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.

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.