Victoria Newman – TMX Finance Family of Companies

Becoming a department of “How?”

Epiphanies can strike at any time: in moments of peace or panic, on a living room recliner or streets half a world away.

Victoria Newman’s came right in the middle of a Caesar salad.

While attending a conference for general counsels in Naples, Florida, Newman had dinner with a longtime legal head at a Canadian book company. As Newman recounted her struggle to clearly define her department’s role and input, the veteran GC offered up a jarringly simple—and surprisingly profound—bit of advice.

Victoria Newman – TMX Finance Family of Companies Vanguard Law Magazine

“She said, ‘You have to find ways to remove roadblocks. It’s about becoming a department of how, and not a department of no,’” recalls Newman, general counsel for TMX Finance Family of Companies. “And I said, ‘That’s it!’ It hit me like a lightning bolt. I decided right then and there that I wasn’t plowing a path forward; I was going to bulldoze it.”

Clearing the way

The Georgia-based TMX Finance Family of Companies provides consumer credit products under the TitleMax®, TitleBucks®, and InstaLoan® brands. Since 1998, TMX has provided access to credit for consumers who are underserved by traditional lenders. With more than 1,100 stores across 17 states, TMX provides, according to Newman, “services to customers who have nowhere else to turn when they suffer short-term financial setbacks like medical emergencies or home repairs.”

Since joining TMX in 2013, Newman’s ascension has been similarly impressive—from litigation counsel to senior compliance counsel to general counsel in just over four years.

Victoria Newman – TMX Finance Family of Companies Vanguard Law Magazine

Having experienced nearly every function and facet of the legal department, Newman knew that maximizing its impact would require more than stronger words and heavier hands.

“We could say, ‘This is a terrible idea that will land you in an orange jump suit holding up an inmate number,’” Newman illustrates, with a laugh. “Or, we can say, ‘I really appreciate you bringing this idea to us. We might not be able to do it exactly how you envisioned, but I bet there’s a way to make this happen.’ We needed to think more about how we communicate. Not just what we’re saying, but how we’re saying it.”

According to Newman, the feedback from TMX’s executive management team has been overwhelmingly positive. Now, instead of “putting the brakes” on projects well into production—say, a marketing campaign or store expansion plan—Newman’s team works with other departments earlier in the process, allowing for more accurate risk-assessment.

Filling the gaps

Of course, cultural recalibration is far from the only thing on Newman’s docket. Her most pressing responsibility is to ensure that all the day’s “little fires”—calls from senior managers about dissatisfied customers, issues relating to employees—are dealt with quickly and compliantly.

Given TMX’s business model, litigation isn’t uncommon. And while Newman’s admittedly aggressive approach to litigation management and strategy has yielded significant savings for the company, the reluctance to settle means heavy caseloads.

“We read every line of every document to understand what might harm us from a compliance perspective,” Newman explains. “We need to know what’s getting out into the world so we can put together a consistent message and avoid being attacked on multiple fronts.”

In addition, Newman dedicates extensive bandwidth to helping her 14-person legal team navigate myriad issues, from regulatory inquiries to contract requests to digital marketing strategies. Here, Newman has embraced the role of mentor, keeping tabs on her team’s growth, not through quarterly progress reports, but cups of coffee.

“If you take the time to talk to people on a human level, to learn about their role and how they approach their jobs, you learn how to be better in your own role,” says Newman, who also participates in a company mentor program outside her own department. “The question I’m always asking is, ‘How can we be the most well rounded people we can be and all the while becoming better business partners?’”

Indeed, it’s a mantra that the lifelong Georgian has always taken to heart.

Learning the ropes

For Newman, academics were always a priority. But it wasn’t until her junior year at Trion High School, in a sleepy town in northwest Georgia, that Newman first heard her calling, when she joined the school’s mock trial team.Victoria Newman – TMX Finance Family of Companies Vanguard Law Magazine

“I knew nothing about the legal field,” Newman confides. “I quickly learned about the law, about the importance of public speaking and the process of building a case. I loved taking all these puzzle pieces and making it coherent, while convincing others it’s the right way to put it together.”

After earning her degree in Criminal Justice and Sociology from the University of Georgia, Newman believed she was destined for a future in criminal law. By her second year at Stetson University College of Law, however, her focus had shifted to the world of corporate litigation—high pressure, high stakes and replete with professional possibilities.

In 2008, Newman was hired as an associate at the Orlando firm of Holland & Knight LLP, where she represented businesses and individuals in both state and federal cases. Rewarding as the experience was, Newman realized that to have the biggest possible impact, she needed to make the move in-house.

That opportunity came in 2013, when she joined TMX as a litigation counsel. Over time, her roles and responsibilities broadened considerably, from smaller litigation responsibility to higher-order matters of product rollouts, strategic planning, and bet-the-company litigation.

Of course, questions of teambuilding and culture were never far from her thoughts. In 2018, she began facilitating regular inter-department breakfasts, lunches and happy hours. She takes the growth and development of her team very personally, and believes her responsibility as a leader is to foster enriching opportunities. All with the aim of building bridges, eliminating silos and bringing the entire team closer together.

“It’s all about building relationships, both in the department and across the company,” Newman says. “The more we interact and communicate with one another, the more we understand about each another and the goals behind a project, which in turn helps us all drive the company forward in unison.”

Published on: August 28, 2018



Showcase your feature on your website with a custom “As Featured in Vanguard” badge that links directly to your article!

Copy and paste this script into your page coding (ideally right before the closing tag) where you want to display our review banner.


As promised in advance, my feature in Vanguard has increased my visibility within the profession and prompted more than a few people I have not communicated with recently to reconnect. One of the Italian law firms I have used in the past is now in the process of interviewing me for an article on their website and tweeting out the feature story. Activity and the number of people connecting with me on LinkedIn has soared, which is great. The Vanguard writers and editorial staff were great to work with—highly professional and made the effort to make the experience both fun and rewarding (they were also respectful of the time pressures and demands all lawyers face). I was very pleased with the experience and the final outcome. Needless to say, I have been very pleased. All in all working with Vanguard has been a very positive experience which generated good publicity for both Shawcor and myself. My sincere thanks.
– Tim Hutzul, General Counsel, ShawCor Ltd.
It was a great honor to be featured in Vanguard Law. Working with every member of the team, from the initial interview with Erin Clark, through production with Victor Martins, writing the article with Taryn Plumb and creating the final content with Dave Gushee, was a true pleasure. Everyone was very professional, enthusiastic and supportive, and their creative approach and positive attitude clearly came through in the final product.
– Kevin C. Rakowski, Senior Vice President, Deputy General Counsel, Compliance with Radian Group Inc.
The piece highlighting my company, Bob Baker Enterprises, Inc., came out fabulous. Our company is in the new and used car sales and service industry. Everyone was great to work with and extremely professional. They produced a high-quality product and have provided expert assistance and guidance post-production of the article.
– Wade Poulson, General Counsel, Bob Baker Enterprises Inc.
I was honored to be the subject of an article. I enjoy reading Vanguard articles and seeing how other attorneys got to their positions and see their jobs. It's also interesting to see how different law firms partner with the subjects of the articles.
– Henry Marquard, in-house counsel, Stanley Consultants Inc.


Summer I 2024



  • * We’ll never share your email or info with anyone.
  • This field is for validation purposes and should be left unchanged.