Wall Street compliance experience.
Applied to your car deal.
Negotiated brings a different standard to automotive retail. Most car buying advisory services rely solely on former dealership experience. Negotiated was founded by an industry insider who learned the dealership playbook as a Finance & Insurance Manager, and then spent nearly a decade on Wall Street handling regulatory matters at the world's most scrutinized financial institutions.
Metry
"I spent years structuring car deals from the dealer's side of the desk before moving to Wall Street to manage complex regulatory examinations. When you look at the automotive retail industry through the lens of a regulatory professional, the undisclosed markups and conflicts of interest are glaring. A dealer contract is simpler than a nine-figure consent order, but the mechanics of extracting hidden margin are exactly the same. I built Negotiated to manage those conflicts on your behalf."
During his years in automotive retail, Metry worked as a Finance & Insurance Manager inside a New Jersey dealership — structuring retail financing, presenting aftermarket product menus, managing lender relationships, and operating inside the same margin structures that Negotiated now reviews for clients.
When his career transitioned to the finance industry, that regulatory expertise operated at the highest level, managing primary relationships with multiple regulators simultaneously. The skills that governed enterprise remediation programs across corporate divisions — reading financial contracts at the rule level, identifying discrepancies, understanding exactly where a transaction is structured to benefit the institution over the counterparty — transfer directly to the dealership F&I office. The stakes are smaller. The tactics are identical.
What a compliance background sees in a dealer contract that most buyers miss.
Years inside G-SIB institutions produce a specific reading discipline: finding, immediately, where a financial document is designed to benefit the drafter at the expense of the party signing it. Dealer finance contracts are built the same way.
Dealer reserve is the margin between the interest rate a lender approves and the rate written into the contract you sign. The dealer keeps the difference. CFPB enforcement actions against major auto lenders targeted discriminatory patterns in how that markup was applied — not the existence of reserve itself. The markup is legal. It is also undisclosed. Identifying where it sits in a specific contract, and whether it's negotiable, is what this service does.
The F&I manager presenting and recommending products is compensated on every product sold. Most buyers have no visibility into that compensation structure. The person advising you on whether to buy GAP insurance, a service contract, or a paint protection package has a direct financial interest in your answer. That is an inherent conflict of interest — and one most buyers don't recognize until after they've signed.
Regulators focus on total economic exposure, not headline numbers. The out-the-door price — vehicle cost, fees, financed F&I products, and interest over the loan term — is the only number that reflects your actual transaction cost. Everything else is a distraction.
The career that built this service.
Grounded in financial analysis, corporate finance, and capital markets. The same analytical framework used to model credit risk and evaluate securities is what drives every deal structure and F&I product assessment at Negotiated.
Structured retail automotive financing, managed lending relationships, and administered aftermarket product portfolios. Gained firsthand exposure to dealership economics, reserve markups, and the structural information asymmetry between the finance office and the consumer.
Executed regulatory filings under Financial Industry Regulatory Authority (FINRA) Rule 4230(b), Securities and Exchange Commission (SEC) Rule 15c3-3, and Basel Committee on Banking Supervision (BCBS) reporting frameworks. Developed the discipline of reading financial contracts at the rule level — identifying what a document actually says versus what it implies. The same discipline applied to every dealer finance contract reviewed for clients.
Performed independent surveillance investigations, administered Code of Ethics compliance programs, and monitored complex financial instruments for regulatory exposure. Sharpened the ability to identify where financial structures create undisclosed conflicts of interest — which is precisely what dealer reserve and F&I product markup are.
Directed enterprise-wide remediation programs across institutional divisions. Managed primary liaison relationships with seven regulators — Federal Reserve Board (FRB), Office of the Comptroller of the Currency (OCC), Federal Deposit Insurance Corporation (FDIC), Commodity Futures Trading Commission (CFTC), National Futures Association (NFA), Securities and Exchange Commission (SEC), and Prudential Regulation Authority (PRA) — and orchestrated examination governance for the FRB's Large Institution Supervision Coordinating Committee (LISCC) supervisory assessments. Operating at VP level inside one of the world's most scrutinized financial institutions builds a specific instinct: the ability to find exactly where an institution's disclosed position diverges from its actual one.
Completed professional certificate programs in Artificial Intelligence and Cybersecurity at Harvard University and Quantum Computing at Delft University of Technology. Applied the same analytical framework to automotive retail — mapping dealer incentive structures, F&I product economics, and the information asymmetry that defines every dealership transaction.
The skills that identified undisclosed conflicts of interest in nine-figure consent orders are applied to the F&I office. The compliance instinct that caught regulatory violations in complex derivatives portfolios reads dealer contracts for markup and unauthorized charges. The difference is the stakes are personal — and the client is always you.
Four principles that govern every engagement.
We are paid a flat fee by you. We accept no referral payments, dealer incentives, or commissions of any kind. Our only financial incentive is your outcome.
We show you the math. We explain the dealer's position, the manufacturer's programs, and exactly where the margin is. You make decisions with full information.
Every engagement is specific to your vehicle, your market, your credit profile, and your financing structure. Nothing here is generic.
A negotiated price is not a complete deal. F&I contract review is a core part of our Full Purchase Concierge service — because the finance office is where most buyers lose the money they saved at the negotiating table.