Director of Compliance (Debt Collections)

Job Title: Director of Compliance

Department: Regulatory Compliance and Quality Assurance

Location: Jacksonville, FL

Reports to: President, General Counsel

National Recovery Associates, Inc. is a Jacksonville-based, national Master Servicer for the Accounts Receivable industry, with a specialized focus on lenders, investors and debt purchasers. NRA leverages it’s internal collection agency call centers and national attorney network to provide industry leading, full service debt recovery solutions to it’s clients. NRA works with creditors nationwide to optimize portfolio performance and recovery strategies using advanced analytics, state-of-the-art technology, and industry best practices. Our hands-on, individualized approach ensures that each client receives personalized solutions tailored to their unique needs. We proudly service delinquent debt portfolios originating from national private and public financial institutions, including banks, finance companies, private businesses, and institutional investors. With our expertise and personalized approach, we help our clients exceed portfolio performance expectations and increase their bottom line.

Position Summary:

We are seeking a highly skilled and experienced Director of Compliance to lead and oversee internal and external compliance functions within our collections master servicing operations. This role reports directly to the President and General Counsel and will work closely with other members of the Executive Team. This individual will be responsible for ensuring the company’s collections activities comply with all applicable federal, state, and local laws and regulations, including those related to debt collection practices, data privacy, and consumer protection. The Director of Compliance will also manage litigation risks, oversee internal and external audits, and guide a team of compliance professionals, ensuring that our collections practices are ethically sound and legally compliant. Additionally, this position will play a key role in managing client relationships and collaborating with internal stakeholders to maintain the highest standards of compliance and quality assurance across all operations.

This role requires an individual who is not only well-versed in regulatory compliance but also someone who can lead a team, manage litigation, and build strong client relationships. Additionally, the ideal candidate will have collections operations experience and be able to balance operational needs with sound compliance strategies. If you have a passion for ensuring ethical and legal operations within the collections industry, we encourage you to apply.

Key Responsibilities:

**Compliance Leadership:**

o  Oversee the compliance function for all collections activities, ensuring adherence to all relevant regulatory requirements, including the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), state-specific debt collection laws, and other applicable consumer protection laws.

o  Develop and implement company-wide compliance policies, procedures, and training programs to mitigate risks associated with collections activities.

o  Ensure ongoing quality assurance and monitoring of collections operations for compliance with applicable laws, regulations, and internal policies.

o  Provide guidance on regulatory changes and their impact on the organization’s collections practices.

o  Serve as liaison between Executive Leadership and Outside General Counsel

**Litigation Management:**

o  Oversee the management of litigation risk related to debt collection practices, including coordinating with legal counsel on pending lawsuits or potential claims.

o  Ensure proper handling of and responses to consumer disputes and legal escalations, including ensuring compliance with required response times and procedures.

o  Develop and maintain a system for tracking and reporting complaint and litigation outcomes to executive leadership and clients.

**Team Management:**

o  Lead, mentor, and manage a team of compliance professionals to ensure effective execution of compliance programs and strategies.

o  Establish performance metrics, provide coaching, and foster a culture of accountability, compliance, and continuous improvement within the team.

o  Develop and deliver ongoing training to team members on new laws, regulations, and best practices in the debt collection industry.

**Internal Audits & Risk Assessment:**

o  Oversee regular internal audits of the collections operations to identify potential compliance risks or gaps.

o  Coordinate with internal audit and risk management teams to implement corrective actions as necessary.

o  Perform risk assessments of collections processes and collaborate with key stakeholders to address any vulnerabilities.

**Client Management:**

o  Serve as the primary point of contact for clients regarding compliance-related issues and inquiries.

o  Prepare and deliver compliance-related reports and presentations to clients, ensuring transparency and trust in the company’s operations.

o  Work closely with executive leadership team to ensure client contracts and service level agreements are aligned with regulatory requirements and best practices.

Qualifications:

**Experience:** 

 - Minimum of 8-10 years of experience in a compliance role within a collections, servicing, or financial services organization.

 - At least 5 years in a leadership or managerial position, with a proven track record of managing teams and driving compliance programs.

 - Strong knowledge of debt collection laws (FDCPA, TCPA, state-specific laws) and experience with regulatory oversight (e.g., CFPB, FTC).

 - Experience with litigation management, including working with external legal counsel on compliance-related matters.

**Skills & Abilities:** 

 - Exceptional understanding of the regulatory landscape governing debt collection and related activities.

 - Strong analytical skills with the ability to assess risk and develop effective compliance strategies.

 - Excellent communication and interpersonal skills, with the ability to manage relationships with clients, legal teams, and internal departments.

 - Proven ability to lead, coach, and develop teams in a fast-paced, dynamic environment.

 - High attention to detail and strong organizational skills.

 - Ability to handle sensitive and confidential information with discretion.

Preferred Qualifications:

- Demonstrable history working for a lender, creditor, debt buyer and/or master servicer

- Certifications such as Certified Compliance & Ethics Professional (CCEP) or CRCM.

- Experience in a collections master servicing or similar servicing environment.

Why Join Us:

• Opportunity to lead and shape a high-performance team in a fast-growing company.
• Competitive salary, performance-based incentives and benefits package.
• Work in a collaborative and innovative environment where your contributions make a direct impact.

If you're an experienced leader with a passion for driving results and optimizing collections operations, we want to meet you!