Director, Assistant General Counsel- Fair Lending

Capital One; Richmond (VA); On-site; USD 210,000 - 263,000; Full time

Job summary

Capital One’s Consumer & Small Business Legal Team seeks an experienced attorney for a Director - Fair Lending, Assistant General Counsel role in Virginia. The attorney will guide fair lending compliance, advise business units, and lead advocacy on CRA, HMDA, and 1071 rulemakings, supporting Capital One’s Community Benefits Plan.

The role requires a JD, active bar license, and 8+ years of experience across settings. Salary ranges vary by location and include incentive opportunities.

Qualifications

• Juris Doctorate from an accredited law school.
• Active member in good standing of at least one state bar.
• At least 8 years of experience as an attorney in various settings (law firm, government, military, or in-house).
• 10+ years of experience in commercial or consumer regulatory matters (preferred).
• Deep knowledge of ECOA, Fair Housing Act, CRA, HMDA, and related lending regulations.

Responsibilities

• Serve as enterprise-wide SME on fair lending, CRA, HMDA, and 1071 provisions.
• Advise business units on fair lending initiatives and related compliance.
• Support compliance programs for fair lending, CRA, and HMDA.
• Lead advocacy efforts related to CRA, HMDA, and 1071 rulemakings.
• Provide legal counseling on consumer fair lending as needed.

Skills

Oral communication

Legal writing

Regulatory knowledge

Education

Juris Doctorate

Bar admission

Job description

Overview

Capital One’s Consumer & Small Business Legal Team is seeking an experienced and strategic attorney to help facilitate access to business credit in a Director - Fair Lending, Assistant General Counsel role. The attorney in this position will work closely with a number of Capital One’s business credit and operations teams, Compliance, and across the Legal department to manage compliance, litigation, and brand risk. The attorney will provide legal guidance on fair lending laws and regulations including the Equal Credit Opportunity Act, the Fair Housing Act, the Community Reinvestment Act (CRA), and the Home Mortgage Disclosure Act (HMDA). The attorney will also serve as a business counsel to the Community Impact & Investment Team, which will include leading legal support for the advancement of Capital One’s $265 billion Community Benefits Plan.

Responsibilities

• Serve as the enterprise-wide legal subject matter expert on laws, regulations, and guidance related to: business credit antidiscrimination, the CRA, HMDA, and Small Business Data Collection (Section 1071 of the Dodd‑Frank Act)
• Advise Capital One’s Small Business and Commercial Banks, Card, and Community Finance businesses and related support departments on business initiatives related to fair lending
• Support Fair and Responsible Banking Compliance and Global External Affairs in the strategic implementation of Capital One’s fair lending, CRA, and HMDA compliance management programs
• Lead internal and external legal advocacy efforts related to CRA, HMDA, and Section 1071 of the Dodd‑Frank Act rulemakings
• Provide supporting consumer fair lending legal counseling, as needed

Basic Qualifications

• Juris Doctorate from an accredited law school
• Active member in good standing of at least one state bar
• At least 8 years of experience as an attorney in a law firm environment, at a government agency, as a military judge advocate, or as in‑house counsel

Preferred Qualifications

• 10+ years of experience as an attorney working on commercial or consumer regulatory matters
• A thorough knowledge of ECOA, the Fair Housing Act, CRA, HMDA and other accompanying regulatory lending laws and regulations
• Financial services industry knowledge and expertise, including experience with regulatory requirements relating to business credit products and services
• Ability to build collegial and effective relationships with business clients, attorneys, project managers, and corporate compliance professionals
• Ability to prioritize and 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

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

Salary and Compensation

McLean, VA: $230,400 - $263,000 for Director, Asst General Counsel

Richmond, VA: $209,500 - $239,100 for Director, Asst General 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.

Benefits

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.

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.