Capital One’s growing Legal department will allow you to showcase your talents in a fast paced, fun environment. At Capital One, you get to work with bright and intelligent individuals who will help elevate you to a new level. If you enjoy working with a team of high performing top talent, Capital One is the place for you! Our legal team thrives on collaborating and creates an environment where everyone’s voice is heard. This exciting role will allow you to use your depth and breadth of experience to strategize and influence management as well as the business lines you support. In addition, you will have the opportunity to enhance your skills and broaden your knowledge. Come to Capital One to be a part of challenging work while enjoying our exceptional culture and work life balance.
The Role: As Bankruptcy Counsel on the Regulatory Advisory Team in Capital One’s Legal Department, the attorney in this position will work closely with U.S. Card and Retail Bank bankruptcy operations teams to provide legal guidance and to ensure compliance with internal policies and procedures and various bankruptcy laws and regulations. The Manager, Counsel will serve as the primary bankruptcy counselor advising Capital One’s U.S. Card and Retail Bank bankruptcy operations groups and related support groups. The Manager, Counsel will be responsible for providing strategy and overseeing various bankruptcy litigation, including, but not limited to, dischargeability and preference litigation, and/or other consumer regulatory, credit card and retail banking-related bankruptcy litigation. The legal Manager, Counsel will be part of a dynamic, energetic team and report to the Director, Assistant General Counsel - Bankruptcy.
This role requires an attorney with experience in consumer regulatory and bankruptcy law, preferably Chapter 7 or Chapter 13 related litigation. The role requires an attorney with intellectual curiosity, a desire to learn new areas of law, and an interest in an ability to analyze and interpret laws, regulations and other source documents covering many different areas of the law. This role also requires an attorney with a strong interest and proficiency in the use of modern technology, and with strong analytical, organizational, and prioritization skills. Additionally, this role requires an attorney possessing excellent verbal and written communication skills, attention to detail, the ability to interact with and influence associates across departments and job levels, and the ability to work effectively in a fast-paced environment, with minimal supervision, while managing large volumes of work including complex legal issues that may arise suddenly.
Serve as the legal counselor advising Capital One’s U.S. Card and Retail Bank bankruptcy operations groups and related support groups (e.g., Legal, Compliance, Risk, Audit, and Quality Assurance).
Support the U.S. Card and Retail Bank bankruptcy operations groups as an integral member of their operational and risk management processes.
Provide strategic and proactive leadership on legal and regulatory issues affecting the U.S. Card and Retail Bank businesses.
Ensure timely identification, mitigation, resolution and reporting/escalation of existing and emerging legal issues and risks.
Support the development, marketing, and rollout of new products, services, and other innovations impacting customers being serviced by the U.S. Card and Retail Bank bankruptcy operations groups.
Review internal policies and procedures and advise Capital One’s U.S. Card and Retail Bank bankruptcy operations groups on best practices, policies and procedures.
Build and maintain effective working relationships with internal and external stakeholder groups.
Must be based in Richmond, VA, and will report to Director, Assistant General Counsel - Bankruptcy.
A successful candidate will have:
Deep expertise in consumer bankruptcy laws and regulations affecting credit card and retail bank products and services.
At least 2 years of robust bankruptcy litigation experience, including, but not limited to, proof of claim, dischargeability, preference, mortgage, and auto finance litigation, and/or other consumer regulatory, credit card and retail banking-related bankruptcy litigation.
Financial services industry knowledge and expertise, including experience with consumer regulatory requirements relating to credit card and retail bank products and services.
A thorough knowledge of consumer protection laws, including TILA, ECOA, UDAAP, FCRA, FDCPA, SCRA, Dodd-Frank Act, and other accompanying regulatory consumer lending regulations.
Ability to work in a fast-paced environment with minimal supervision.
Ability to manage large volume of work, including complex legal issues that may arise suddenly.
Ability to thrive in an environment primarily defined by close collaboration with the U.S. Card and Retail Bank businesses and Legal colleagues to solve complex legal issues and to develop guidance and advice.
Ability and willingness to work as a team player, with comfort interacting with associates across departments and job levels, both inside and outside the Legal department.
Juris Doctorate (JD) with admission to at least one state bar
At least 4 years of experience as an attorney in a law firm, an attorney within an in-house legal department, or government experience in an attorney role
At least 2 years of experience working with consumer bankruptcy laws impacting banking products, including credit cards and retail bank accounts
4+ years of law firm, in-house legal department, Chapter 7 or Chapter 13 trustee representation, or government experience in an attorney role
2+ years of experience working on consumer regulatory matters, with an emphasis on consumer bankruptcies involving credit cards and retail bank accounts
2+ years of experience as an attorney within a regulatory environment
Experience with Microsoft Excel, Microsoft Word, Microsoft PowerPoint, G-Mail, Google Documents, Google Sheets, Google Slides and Salesforce
At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
Internal Number: R64958
About Capital One
Richard D. Fairbank is founder, Chairman and Chief Executive Officer of Capital One® Financial Corporation. Capital One, headquartered in McLean, Virginia, offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Mr. Fairbank founded Capital One in 1988 based on his belief that the power of information, technology, testing and great people could be combined to bring highly customized financial products directly to consumers. Since then, Capital One has emerged as one of the America's largest consumer franchises with approximately 45 million customer accounts and one of the nation's most recognized brands. As one of the nation’s top 10 largest banks based on deposits, Capital One, N.A. and Chevy Chase Bank, F.S.B. have approximately 1,000 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia.