Senior Manager, Senior Counsel - Fair Lending

Senior Manager, Senior Counsel - Fair Lending

Capital One’s Consumer & Small Business Legal Team is seeking an experienced, strategic, and mission-driven attorney to help facilitate access to credit in a Senior Counsel, Fair Lending role. This pivotal role offers the opportunity to shape antidiscrimination practices across our Consumer Card, Retail Bank, Capital One Auto, and Capital One Shopping businesses - driving responsible innovation. As a key legal partner, this attorney will provide thoughtful, business-minded guidance on fair lending and adverse action laws, mitigate risks, and help design the future of fair and responsible banking to adapt to emerging technology. The attorney will collaborate cross-functionally with legal, compliance, and business stakeholders to ensure our practices reflect our values, align with regulations, facilitate growth, and promote access to credit for communities. The successful candidate must have strong legal and analytical skills, a growth mindset, an ability to navigate novel legal and business situations, and the flexibility to simultaneously manage and lead a wide range of projects while working seamlessly with our business and legal partners. This role is hybrid meaning associates spend 3 days per week in-person at one of our offices listed on this job posting.

Responsibilities

• Serve as Capital One’s enterprise-wide legal expert on the Equal Credit Opportunity Act, the Fair Housing Act, state fair lending laws, and related regulations and guidance
• Advise Capital One’s Consumer Card, Retail Bank, and Capital One Auto, and Capital One Shopping businesses and related support departments on business initiatives related to fair lending and fair banking
• Support Fair and Responsible Banking Compliance in the strategic implementation of Capital One’s fair lending and adverse action compliance management program
• Provide fair lending legal counseling support to commercial credit lines of business, as needed
• Provide supplemental legal counseling support on team matters related to limited English proficiency, physical and digital accessibility, powers of attorney, conservatorships, and guardianship, as needed
• Assist in the legal review of marketing materials and other communications for compliance with all consumer regulatory laws and internal marketing policies and controls, as needed

Basic Qualifications

• Juris Doctorate from an accredited law school
• Active member in good standing of at least one state bar
• At least 5 years of experience as an attorney in a law firm, in-house legal department, or government agency
• At least 5 years of financial services industry knowledge and expertise, including experience with regulatory requirements relating to consumer credit products and services

Preferred Qualifications

• 6+ years of experience as an attorney working on consumer regulatory matters
• A thorough knowledge of the Equal Credit Opportunity Act, the Fair Housing Act, and other accompanying regulatory lending laws and regulations
• Ability to build collegial and effective relationships with business clients, attorneys, project managers, and corporate compliance professionals
• Ability to prioritize and independently manage a significant volume of legal questions on a broad array of topics with multiple and simultaneous deadlines
• Ability to rapidly synthesize new information and make quick, well-grounded decisions
• Strong oral communication skills with the ability to influence others
• Strong legal writing skills, including experience drafting comment letters or other regulatory advocacy documents
• Strong interest in technology and emerging digital capabilities

Salaries By Location

• McLean, VA: $200,700 - $229,100 for Sr. Manager, Sr. Counsel
• Richmond, VA: $182,500 - $208,300 for Sr. Manager, Sr. Counsel

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.

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Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

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).

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit.