Center 1 (19052), United States of America, McLean, Virginia

Senior Manager/Senior Counsel - UDAAP/UDAP (Hybrid)

Capital One's Legal Department is seeking a highly-motivated attorney to serve as a senior counsel serving as our UDAAP/UDAP Counsel. You will work with colleagues across Capital One's lines of business, as well as with compliance officers, auditors, and regulators and you'll do it all in a collaborative, supportive environment that values your insight, promotes continuous learning, and rewards creative thinking.

The Role

As UDAAP Counsel, the attorney in this position will advise on compliance with and risks presented by UDAAP, UDAP, and related laws, as well as litigation risk, across Capital One's business teams, Compliance, and the Legal Department. Part of this role will include being the lead UDAAP subject-matter expert (SME) on UDAAP risk determinations on events, issues, complaints, and monitoring and testing results across the company. The UDAAP Counsel will advise on customer management initiatives and operations, and will work closely with UDAAP and Marketing Counsel to help advise on and implement best practices and ensure consistency at an enterprise level as well as provide backup support to each other as needed. The attorney will be expected to advise on and develop relevant Legal standards, training, and other tools for business counsel and Compliance and Risk partners.

• Serving as the Legal SME for UDAAP for customer management, operations, and risk management controls;
• Determining UDAAP risks events, issues, complaints, and monitoring and testing results across the company may present and advising Compliance and Legal on recommended mitigation steps and how to document such risks;
• Advising on sweepstakes and promotions;
• Providing strategic and proactive leadership on trending legal and regulatory issues affecting the supported businesses and areas of expertise;

• Ensuring timely identification, mitigation, resolution and reporting/escalation of existing and emerging legal issues and risks;
• Identifying opportunities for and leading related projects to drive innovation in the consumer protection area;
• Building and maintaining effective working relationships with internal and external stakeholder groups

• Strong analytical skills, ability to interpret data, and attention to detail
• Skills enabling provision of innovative and well-grounded advice that clearly identifies and describes legal risks presented and presents options to mitigate risks that balance regulatory risks and business needs, particularly when the law is unclear;
• Ability to think creatively about how to most effectively and efficiently deliver legal advice and improve current processes, individually and as a team;
• Excellent verbal and written communication skills with the ability to influence others;
• Ability to work effectively in a rapid change environment, with minimal supervision, while managing large volumes of work including complex legal issues that may arise suddenly;

• Demonstrated ability and desire to be a team player, who fosters meaningful relationships with colleagues and clients, and is seen as a trusted advisor and critical business partner;
• Intellectual curiosity, a desire to learn new areas of law, and an interest and an ability to analyze and interpret laws, regulations, and other source documents covering many different areas of the law; and
• Strong interest and proficiency in the use of modern technology, and with strong analytical, organizational, and prioritization skills.

• 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, in-house legal department, or government agency

• 2+ years of counsel or compliance experience with consumer finance laws, regulations, and disclosures, especially marketing and UDAAP/UDAP laws and regulations
• In-house, corporate legal experience
• A thorough knowledge of consumer protection laws, including TILA, TISA, ECOA, UDAAP, FCRA, FDCPA, SCRA, Dodd-Frank Act, and other accompanying regulatory consumer lending regulations
• Financial services industry knowledge and expertise, including experience with business and/or consumer regulatory requirements relating to auto loans, credit cards, lines of credit, loans, and other banking products and services
• Experience counseling clients on digital initiatives and/or innovation a plus
• Experience with Google Workspace a plus