Compliance Tester III

Compliance Tester III The Principal Compliance Tester III performs a key second line of defense role to help ensure corporate initiatives, departmental processes, and applicable lines of business comply with enterprise regulatory requirements. Working under the guidance of a team leader, the Principal Tester III will execute complex, risk-based compliance transaction testing. The primary purpose of this role is to independently validate business line adherence to both Anti-Money Laundering (AML) laws and consumer regulations—including but not limited to the BSA, USA PATRIOT Act, PCMLTFA, and Regulations CC, D, DD, E, and FCRA. In this role, you will collaborate with an experienced and diverse group of Compliance professionals to provide independent testing against Capital One’s risk management framework. You will leverage your deep regulatory knowledge to drive testing innovations, improve data sourcing, and ensure business practices safeguard the enterprise. Key Responsibilities Test Execution & Innovation Execute targeted, complex, risk-based transaction testing for various lines of business in alignment with team methodology and Independent Compliance Transaction Testing (ICTT) procedures. Develop, continually validate, and improve test plan designs; suggest strategic changes to testing methodologies and perform high-risk testing as needed. Drive innovative ways to approach testing by demonstrating a deep understanding of testing frameworks, business processes, control environments, and related regulatory standards. Data Analysis & Documentation Obtain and analyze test data from multiple sources, systemically documenting work and results by leveraging job aids and documented test protocols. Support and initiate efforts to improve data sourcing by partnering with Business and IT areas to develop improved, automated, or more reliable data pipelines. Ensure impeccable record-keeping by systematically retaining documents that substantiate test results with a high level of accuracy. Formally submit test results into the system of record (PRIME). Project Management & Peer Review Manage assigned testing schedules and concurrent timelines to ensure all tasks, documentation, and reporting are completed within established timeframes. Review transaction tests and deliverables executed by peers to ensure accuracy, quality assurance, and adherence to established test procedures. Work cooperatively and effectively with supporting team members to meet broader departmental goals. Stakeholder Collaboration & Audit Support Establish and maintain strong, collaborative relationships with Compliance Advisors, the Risk Office, and Business Areas, ensuring engagement with the proper points of contact throughout the testing lifecycle. Communicate test results clearly and effectively to Advisors, Business Areas, and Compliance Officers. Provide robust support for ICTT and Compliance audits and regulatory examinations as needed. Basic Qualifications High School Diploma, GED, or equivalent certification. At least 2 years of experience in compliance testing, compliance monitoring, quality assurance, audit, or financial investigation. Preferred Qualifications Bachelor’s degree. At least 3 years of compliance testing or auditing experience specifically related to AML laws and regulations. Strong working knowledge of both US and Canadian laws and regulations as they relate to AML, Sanctions, Fair Lending, Privacy, or vertical testing areas. Deep familiarity with consumer regulations (e.g., Regulations CC, D, DD, E, and FCRA) and filing requirements (SAR, CTR, and/or STR). Exceptional problem-solving, conceptual thinking, and time-management skills, with the ability to manage multiple tight deadlines with high attention to detail. Strong communication and stakeholder management skills. Professional certification such as CAMS, CFE, CRCM, or CFCS. 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. #J-18808-Ljbffr Capital One National Association