Capital One Senior Counsel Enterprise Innovation Product Payments 

United States, Virginia, Arlington 

956898152

Center 1 (19052), United States of America, McLean, Virginia Senior Counsel, Enterprise Innovation Product Counsel (Payments)

To succeed in this role, you’ll need strong legal and business skills. Written and oral communication and organizational skills are key, as is the ability to focus on what really matters to drive business initiatives forward while clearly defining legal risk. You’ll need refined critical thinking skills, an ability to distill complex concepts as part of structuring, drafting and negotiation, a healthy dose of intellectual curiosity and an inclination to probe and be confident in sharing your advice and opinion. You should have a successful track record of thriving in a fast paced, entrepreneurial and dynamic environment, as well as working in an agile manner. The ability to manage multiple transactions, take on new responsibilities and handle novel issues is critical.

In this role, you’ll be part of a team that:

• Provides strategic advice:You’ll be something of an investigator: you’ll work on projects that unite our many lines of business (Branded & Partnerships Cards, Retail Bank, Commercial Bank, Auto Finance, and other Enterprise products like Capital One Shopping), so you’ll drill down into how we do what we do, and why we do what we do, so we can build a better way. You’ll understand the business’ objectives, understand the full landscape and context of the applicable law, and work through unchartered territory as you apply the law to business initiatives.

• :You’ll need to understand the law and work with our regulatory subject matter experts on novel issues (e.g., the alphabet soup of consumer finance laws including TILA & Reg Z, EFTA & Reg E, GLBA & Reg P, FCRA & Reg V, TCPA, E-SIGN, CCPA/CPRA, etc.), understand the business (e.g., consumer credit, customer identity management, fraud prevention), understand the technology (APIs, mobile and web apps, SaaS, AI, machine learning), and put them all together as a trusted business advisor. You’ll translate between business intent, regulatory requirements, legal guardrails, best practices, etc. You won’t need to know everything about everything, but you’ll need to know a little about a lot, and know how to communicate legal requirements to the business, and business requirements to legal subject matter experts.

• Autonomously manages the contracting pipeline:You’ll structure, draft, negotiate and finalize contracts related to our products - supporting the full contracting lifecycle soup-to-nuts and engaging our various subject matter experts as needed. You’ll apply fresh ideas and perspectives to established products and baseline terms as well as draw on your creativity to create bespoke arrangements for products or features that are new to the marketplace.

• Partners to Foster Innovation:You’ll collaborate closely with colleagues across the Legal Department to fully evaluate and scale risk. You’ll work to push responsible innovation in challenging gray areas.

Here are some examples of tasks you would be responsible for:

• Reviewing product feature changes for regulatory compliance issues by meeting with business partners to better under the feature, identifying legal obligations or risks, and providing recommendations to manage legal risk, e.g., revising user-facing content, drafting product terms and disclosures, and assisting with strategic partnership integrations,

• Performing legal research on the application of existing and new laws to novel implementations of technology (e.g., privacy laws, TCPA, IP, Reg Z, Reg E, FCRA; APIs, cloud platforms, mobile apps, SaaS, machine learning and artificial intelligence), summarizing findings in easily digestible formats for use by business partners, developing legal theories when applying the law to complex use cases, and achieving consensus among the legal subject matter experts and business partners

• Contracting support for third parties interested in integrating with our public portal API products provided via the Capital One Developer Exchange.

Basic Qualifications:

• Juris Doctor from an accredited law school

• Active member in good standing of at least one state bar

• At least 4-6 years of experience as an attorney in a law firm, in-house legal department, or a combination

Preferred Qualifications:

• Experience supporting ecommerce, mobile apps, payments or software products and/or agreements

• Experience with consumer finance laws and regulations

. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

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 . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.