Job Abstract

Senior Director, Governance, Valuations, & Innovation

Capital One’s Governance, Valuations, & Innovation (GV&I) Team, is a second line of defense housed within the Credit Risk & Analytics (CR&A) Division. CR&A is responsible for Risk Governance, Risk Appetite, Credit Risk Policy and Assurance Exam Management activities for the Commercial Bank. The team’s contribution is critical in providing a foundation for sound risk management practices, complying with internal policies and regulations and exhibiting the overall culture of Capital One.

GV&I is seeking a Senior Director level associate with credit risk management, governance,  or regulatory experience. This person will partner with associates across the businesses, Enterprise-wide functions and within CR&A to enhance risk governance, controls, processes and assurance practices as well as implement changes that are strategic and transformative for the Bank.

GV&I is responsible for a broad set of risk management activities for the Commercial Bank and within Credit risk policy governance, providing an opportunity for significant professional growth and exposure to senior management. The Individual will be a key teammate with excellent communication and relationship building skills for interactions with cross functional stakeholders.

Specific responsibilities include, but are not limited to:

• Oversee and manage the Credit Policy lifecycle including, oversight and effective challenge to ensure compliance with regulatory requirements 

• Serve as a trusted advisor to product, business, and risk teams to identify, document and effectively mitigate credit risk 

• Oversee CR&A assurance exam Management and remediation activities 

• Planning and driving changes and challenge to current processes, procedures, and controls to improve and enhance risk governance. 

• Formulating and implementing solutions, leveraging technology as much as possible

• Demonstrating our values of Excellence and Do the Right Thing while supporting our journey to Change Banking for Good

The GV&I Senior Director will be instrumental in influencing stakeholders in the first and second lines of defense in forming the risk parameters across the first lines, ensuring compliance with regulatory requirements. Therefore, the core competencies for the ideal candidate include:

• Experience in risk governance

• Strategic and analytic orientation - a proven track record of decision making and problem-solving based on available data

• Excellent verbal and written communication skills

• Highly collaborative orientation and strong team player who places the best interests of the organization above personal objectives

• Ability to establish credibility, trust and support within all levels of the organization

• Aptitude for synthesizing complex issues into a clear and concise summary

• Proactive and results-oriented

Basic Qualifications

• Bachelor’s degree or Military experience

• At least 10 years of experience in a regulatory environment, risk governance or risk policy management at a regulated institution. 

Preferred Qualifications

• At least 12 years of experience of risk governance, commercial lending, credit risk oversight and working with internal business partners within the financial services industry

• Masters Degree

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.

New York City (Hybrid On-Site): $236,800 - $270,300 for Sr. Director, Risk Management

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.

No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. 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.

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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).