As a Director on the Financial Services Legal Team, you will apply your strategic and analytical skills to major challenges and significant business initiatives as a member of Capital One’s Financial Services (“FS”) Division.  Capital One’s FS Division is a leader and pioneer in the auto finance and technology industries, specializing in the delivery of AI, machine learning, and other tech-enabled products and solutions.  You will serve in a key role supporting and advising the business in our pursuit to dream, disrupt, and deliver solutions for consumers, dealers, and partners.

As a member of the FS Legal Team, you will partner with a passionate and customer-centric business that is fueling the future of one of the nation’s largest indirect auto finance companies. Within this role, you’ll be a true counselor to the business and have the opportunity to advise the best sales team in the industry as well as leaders, analysts, product managers, and designers across FS who are tasked with developing innovative strategies and products designed to help Capital One win in the market.

This is an opportunity to identify complex risks, solve problems, and help shape dynamic strategies that directly impact our customers and internal business partners. You will build innovative solutions and services, counsel the business on a wide range of issues—from consumer-finance laws and regulations to strategy, data, and risk—all within a highly collaborative environment. We value your insight, encourage you to take on new responsibility, and reward continuous learning and intellectual curiosity, positioning you for an exciting career with a leading player in the financial services industry.

A successful candidate will display:

• Strong executive communication skills

• Impeccable written and oral communication credentials

• Strategic-influencing skills and the ability to drive consensus across diverse teams through exercising sound judgment and employing interpersonal and negotiation capabilities

• The ability to take complex ideas/problems and break them down into simple and digestible concepts/solutions

• A successful track record of thriving and leading with heart, hunger, humility, and horsepower in a fast-paced, entrepreneurial, and dynamic environment 

Specific responsibilities include, but are not limited to:

• Strategic Advice:  Understanding the auto finance business, technology, and the rapidly evolving landscapes for both, fostering innovation through an understanding of the applicable laws, and charting a course for rolling out, marketing, and selling innovative products where no clear roadmap exists.  You’ll drill down into how we do what we do, and why we do what we do, so we can build a better way.  

• Translating:  Understanding the law (e.g., data privacy, IP, antitrust, TILA/Reg Z, ECOA/Reg B, FCRA/Reg V, UDAAP), understanding the business and the auto industry, knowing the technology itself (AI, APIs, OSS, machine learning) and exhibiting an innate desire to learn along with it.  You’ll appreciate dynamic business intent, regulatory requirements, and legal guardrails and best practices, fluidly transition between legalese and business speak, and do so comfortably with analysts and senior executives alike.
  

• Business Ownership:  Working hand-in-hand with the business to solve problems in flight.  You’ll need an ownership mindset and to view yourself as part of the business team.  You don’t need to know everything about everything, but you’ll have a thirst to understand what you’re reading about – a “learning mindset” – that focuses on how to change the world in awesome ways rather than merely reciting statutes and regulations.

• Partnering to Foster Innovation:  Collaborating closely with colleagues across the Legal Department to fully vet and scale risk.  You’ll work to push responsible innovation in challenging gray areas.  We place a high value on intellectual curiosity, particularly when combined with a “we’ll figure out a way” attitude.

Basic Qualifications:

• Juris Doctor from an accredited law school

• Active member in good standing of at least one state bar

• At least 7 years of experience as an attorney in a law firm, in-house legal department, or government agency   

Preferred Qualifications:

• 5+ years of experience advising financial services or technology companies

• 5+ years of experience working as an attorney on matters related to auto finance, product development, technology, and AI

• Experience advising companies on matters of regulatory compliance, including UDAAP, the FCRA, GLBA, ECOA, and TILA

• Ability to work effectively both in teams and independently, make effective and integrated decisions, and collaborate effectively at all levels in the company

• Ability to deal with ambiguous situations, complex concepts, and details

• Excellent written and oral communication skills with the ability to influence others

• Strong analytical and problem-solving skills

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

This role is hybrid, meaning associates spend 3 days per week in-person at one of our offices listed on this job posting.

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.

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.

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.