About the Role
The Capital One Legal Department is seeking a talented attorney with an established interest in payments and payments-related issues as they arise in the context of day-to-day financial services operations, regulatory issue advocacy, and new product design and development. The attorney in this position will join our enterprise regulatory advisory legal team and will help support business operations and risk offices, business-aligned attorneys, Compliance and Audit professionals, and more. Working closely with these business, compliance, and risk partners across each of Capital One's lines of business, you will be a go-to resource across the company on legal issues related to payments, payments systems, and consumer protections relating to payments, including by working on issues arising under Regulation E; Regulation CC; the Uniform Commercial Code; payment system rules; and other sources of authority. This role requires advanced problem-solving ability to help both Capital One customers and Capital One lines of business "win" within these rules.
We are looking for an attorney who is collaborative, inquisitive, and enthusiastic about payments. You'll need strong analytical and organizational skills, great judgment, and the ability to work effectively in a fast-paced environment with complex legal and regulatory issues that may arise suddenly and require quick resolution. We want someone with an ownership mentality who nonetheless enjoys being part of a team and who can interact with and influence across departments and job levels. A good sense of humor is a plus!
Areas of Responsibilities likely to include some combination of:
Payments requirements and disclosures
Gift card-related requirements and prohibitions
Emerging payments products/systems
Prior work on or facility with issues arising under the following is a plus:
UCC 3, 4, and 4A
Payment system rules
Juris Doctor from an accredited law school
Active member in good standing of at least one state bar
At least 4 years of experience as an attorney in a law firm environment, at a government agency, or as in-house counsel
Familiarity with Reg E, Reg CC, UCC 3, 4 and 4A, Nacha Rules, Association Rules (Visa and MasterCard) and Regulation II
Experience providing advice and counsel on products, services and transactions to clients in the financial services industry
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.No agencies please. Capital One is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law. 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.
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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).