Director, Commercial Risk, Underwriting & Portfolio Management ROLE OVERVIEW The Director, Business Risk and Governance (Regulatory Lead) supporting the Commercial Underwriting and Portfolio Management (UW&PM) organization will be an experienced leader, possessing deep regulatory expertise and extensive experience in advising management on commercial credit matters. Candidates should have the self-confidence, intellectual horsepower, and earned credibility requisite to effectively lead and enhance governance and remediation activities across the commercial underwriting and portfolio management activities of Capital One’s Commercial Bank. The Director must have strong communication and relationship building skills for interactions with internal and external stakeholders. These stakeholders include the UW&PM senior leadership team, Commercial Risk, Credit Review, Internal Audit, Credit Officers and business unit leaders as well as external regulators (e.g. Office of the Comptroller of the Currency and Federal Reserve Bank staff). It will be critical that the candidate build credibility across this wide array of constituents. This individual will combine a hands-on, detail-orientation with a strategic mindset and innate capacity to consult with and influence senior leaders as they address pressing regulatory and business issues. Functional responsibilities include: Serve as the business unit’s resident expert on regulatory matters surrounding a variety of commercial credit topics including risk ratings, evaluation and adjudication of credits, shared national credits, leveraged lending Stay current on regulatory expectations and keep the business unit informed of anticipated regulatory actions or shifts in tone and expectations. Work with Commercial Risk, Credit Review, and Regulatory Relations teams to create a strategy to address key changes within the business unit. Serve as a subject matter expert on critical changes pertaining to regulatory reporting and helping in the organization (in collaboration with our regulatory reporting teams) to drive conformance to related requirements. Ensure the Commercial UW&PM business unit’s processes and governance routines are consistently in conformance with regulatory and enterprise expectations. Work with the business unit to ensure all regulatory documentation requirements are met, and that Credit Review, regulatory exam results are positive. Establish a clear framework around how to evaluate transactions through the eyes of Credit Review and/or regulatory counterparts. Work regularly with the various UW&PM teams at the transaction level as their go-to, in-business counsel. Help maintain sound, compliant and appropriate solutions to complex regulatory matters, including leading the UW&PM organization’s regulatory agenda - which includes a combination of recurring routines as well as targeted regulatory reviews. Work with Commercial Risk, Regulatory Relations, Credit Review and Audit teams to respond to and remediate escalated findings in an efficient, effective and sustainable manner. Serve as a liaison between the UW&PM organization and the broader Commercial Fraud organization, which includes staying abreast of emerging issues and helping identify any potential risk management opportunities in that space. Manage multiple, complex initiatives simultaneously and leverage project management and planning skills with a forward-thinking approach. Basic Qualifications: Bachelor’s degree or military experience At least 8 years of experience within a regulatory body such as the Office of the Controller of the Currency, Federal Reserve Bank or a regulatory advisory role at a commercial bank Preferred Qualifications: At least 10 years of experience in a regulatory role within the commercial banking industry Experience across lending products including cash flow lending, real estate lending or structured products Strong written and oral communication skills 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. Charlotte, NC: $187,300 - $213,700 for Director, Risk Management McLean, VA: $206,000 - $235,100 for Director, Risk Management Richmond, VA: $187,300 - $213,700 for 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. 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 1-800-304-9102 or via email at [email protected]. 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 [email protected] 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.

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