Capital One · Bengaluru
Finance & Legal
The Fair and Responsible Banking (F&RB) function, part of the Enterprise Risk Organization's Compliance & Ethics department, is seeking a highly experienced, strategic, and forward-thinking Compliance Director.
This Director will assume overall responsibility for the development, delivery, and ongoing management of the new Consumer Center of Excellence, a compliance program responsible for the Enterprise standards and strategic oversight for:
Multilingual governance to ensure compliance with the Equal Credit Opportunity Act (ECOA), Regulation B, and UDAAP/UDAP laws with respect to the provision of the multilingual customer experience
Servicemember laws and protections (SCRA, MLA)
Credit bureau furnishing and FCRA disputes
FCRA prescreen advertising
This role will lead the development, maturation, and maintenance of programs and governance structures that allow Capital One’s businesses to offer financial products and services while strictly adhering to regulatory expectations.
Successful Directors in Fair and Responsible Banking Compliance are highly motivated professionals possessing deep subject matter expertise in compliance management systems and consumer protection laws, and who have a natural passion for managing risk coupled with strong project management, process, and analytical skills. The role requires strong organizational, leadership, and communication abilities and offers significant exposure to executives across various lines of business.
Key Responsibilities:
Lead the development, maturation, and continuous enhancement of the Regulatory Consumer Center of Excellence compliance programs
Provide robust oversight of these programs through strong governance, rigorous controls and monitoring, and clear risk escalation processes
Report program results to senior management and stakeholders, as appropriate
Develop, execute, and monitor work plans for the effective build out of the program and audit-ready program frameworks
Cultivate a highly collaborative environment with other risk teams and partner groups to develop efficient engagement routines within an integrated and seamless risk experience for the business
Effectively balance competing priorities and demonstrate the ability to adapt quickly to new information or circumstances to ensure team objectives are met
Manage and develop a team of subject matter experts by fostering positive team dynamics, a shared strategic vision, clear communication, and demonstrated emotional intelligence
Provide thought leadership, training, and tools to inform the efficient and consistent execution of program requirements by first and second line teams across varied business areas
Competencies:
Leadership & Vision
Define and drive the strategic vision for the Regulatory Consumer Center of Excellence compliance programs
Inspire, motivate, and provide clear direction to the team to successfully execute strategic priorities
Lead teams effectively through change and champion innovation within the compliance space
Demonstrate strong leadership by driving and motivating the team to flawlessly execute process improvement projects
Risk Management & Regulatory Acumen
Foster a robust culture of compliance risk management and balanced risk-taking
Demonstrate knowledge of regulator expectations for consumer protection laws and effective compliance management systems
Ensure the implementation of effective monitoring and other oversight mechanisms to proactively identify process breakdowns
Provide expert guidance to the business, advising on comprehensive corrective action plans when issues arise
Maintain a proactive, "forward-leaning" posture, staying current on regulatory and business changes to assess impacts on Capital One’s lines of business
Operational Excellence & Technical Aptitude
Leverage technology, data analytics, and automation to build and maintain highly efficient and well-managed compliance programs
Skills & Attributes
Communication & Influence: Possess exceptional executive communication, presentation, collaboration, and influencing skills across all levels and divisions
Analytical Mindset: Exhibit strong analytical and problem-solving skills, attention to detail, and the ability to operate effectively in a dynamic, agile environment
Business Judgment: Demonstrate proven capability to influence peers and leadership, building consensus through sound logic, rigorous analysis, and intellectual integrity
Adaptability: Show independent and adaptive problem-solving skills, with the capacity to quickly adapt to a changing environment
Basic Qualifications
Bachelor’s degree or military experience
At least 5 years experience in building or leading programs within a consumer financial services institution or leading a regulatory compliance, legal, or audit function
At least 5 years of people management experience
Preferred Qualifications
Juris Doctor or other Master’s Degree
8+ years of people management experience
8+ years of program management experience leading cross functional programs in compliance and risk
Expertise in consumer protection laws (e.g., FCRA, SCRA)
Certified Regulatory Compliance Manager (CRCM) or Certified Enterprise Risk Professional (CERP)
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
Chicago, IL: $187,300 - $213,700 for Director, Compliance
Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.
This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).