Senior Associate, Product Management — US Card Authentication CX

Senior Associate, Product Management — US Card Authentication CX

Product Management at Capital One is a booming, vibrant craft that requires reimagining the status quo, finding value creation opportunities, and driving innovative and sustainable customer experiences through technology. We believe our portfolio of businesses and investments in growth and transformation will result in a company with the scale, brand, capabilities, talent, and values to succeed as the digital revolution transforms our society and our industry.

As the oldest and largest Line of Business at Capital One, US Card is the engine that powers our enterprise. Within the Customer Services & Strategy teams, we don’t just maintain the status quo—we are actively rewriting the playbook for how a modern bank operates. We build technology-led, data-driven products across Fraud, Recoveries, Collections, and Digital Servicing to deliver personalized, empathetic customer experiences at a massive scale.

About the Team

Every day, millions of Capital One customers call in and within seconds we have to answer one question with total confidence: Is this really them? The Authentication Team builds the tools and experiences needed to answer that question and keep our customer protected from the ever-evolving fraud landscape. This role sits within the US Card Fraud organization and contributes to the mission of revolutionizing the banking industry through better information and technology.

About the Role

We're looking for a visionary who wants to imagine the authentication experiences of the future. You'll be responsible for defining the destination-state vision for how authentication should work in an AI-driven world and you’ll play a role in reinventing the tools customers use to authenticate themselves at Capital One. You'll own the product strategy end-to-end and lead a dedicated technology team to bring it to life.

What You'll Do

• Partner across Ops, BA, and Tech to define the destination-state architecture and experience for authentication that optimizes for fraud loss prevention, customer experience and agent efficiency
• Turn the product strategy into shipped software by leading the tech team's execution
• Explore where AI-driven capabilities can strengthen fraud detection or the authentication experience itself and champion AI-powered tooling to help your team move faster and smarter
• Let data make the call and prove your bets worked after you ship them
• Build real influence across the org by working directly with Fraud Strategy, Risk, Legal/Compliance, Design, and Servicing Operations

Capital One Product Framework

In this role, you’ll be expected to demonstrate proficiency in five key areas which we consider to be the foundation for successful Product management:

• Human Centered - Obsesses about internal and external customer needs to reimagine and innovate product solutions
• Business Focused - Delivers game-changing outcomes by focusing on leverage and execution excellence
• Technology Driven - Leverages technology to deliver innovative and resilient solutions that enable both near term and long term value
• Integrated Problem Solving - Identifies and resolves complex problems to deliver outcomes while mitigating product risks
• Transformational Leadership - Leads cross functional teams to solve customer problems and drive organizational alignment

Basic Qualifications:

• Bachelor’s degree or military experience
• At least 1 year of product management experience or at least 1 year of experience in product design, agile delivery, business analysis, data science, or software engineering

Preferred Qualifications:

• Bachelor’s degree in computer science or engineering
• 3+ years of experience in product management, with a track record of partnership with engineering
• Experience working in fraud, risk, identity verification, authentication, or another highly regulated financial services domain
• Curiosity and hands-on experience with AI-powered product capabilities and AI-assisted product delivery tools
• Experience using data and experimentation to inform product decisions
• Experience partnering directly with engineering teams in an Agile/Scrum environment
• Experience communicating with and influencing senior stakeholders
• A bias toward white-space thinking

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, NY: $121,300 - $138,400 for Sr. Associate, Product 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.

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 View phone number on aiapply.co or via email at View email address on aiapply.co. 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 View email address on aiapply.co

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).