Director, Commercial Risk & Regulatory Governance

Capital One; McLean (VA); On-site; USD 206,000 - 235,000; Full time

Job summary

Capital One is seeking a Director, Commercial Risk, Underwriting & Portfolio Management (Regulatory Lead) to advise senior leadership on commercial credit matters and lead governance across UWPM. The role combines hands-on regulatory expertise with strategic influence to address evolving regulatory expectations.

The position requires deep regulatory experience in commercial banking, strong communication, and the ability to manage multiple initiatives with cross‑functional teams.

Qualifications

• Bachelor’s degree or military experience.
• At least 8 years of regulatory experience in a banking/regulatory environment.
• Experience in advisory roles at commercial banks.

Responsibilities

• Serve as the 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 to drive conformance to related requirements.
• Ensure the Commercial UWPM 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 UWPM 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 UWPM organization’s regulatory agenda.
• 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 UWPM 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.

Skills

Communication skills

Education

Bachelor’s degree or military experience

Job description

Capital One is seeking a Director, Commercial Risk, Underwriting & Portfolio Management (Regulatory Lead) to advise senior leadership on commercial credit matters and lead governance across UWPM. The role combines hands-on regulatory expertise with strategic influence to address evolving regulatory expectations.

The position requires deep regulatory experience in commercial banking, strong communication, and the ability to manage multiple initiatives with cross‑functional teams.