Principal Associate, Compliance Transaction Tester

Principal Associate, Compliance Transaction Tester

The US Card Compliance team is seeking an experienced Principal Associate who will lead and execute risk‑based compliance transaction testing. The role requires a deep understanding of regulatory requirements, designing and conducting testing, and drawing conclusions based on thinking, judgment, and analysis to assess compliance. Candidates must work cross‑functionally, maintain strong relationships with partner teams, and operate autonomously while delivering detailed, clear communication.

• Executing targeted, complex testing for line of business compliance requirements in alignment with team and program methodology.
• Demonstrating an understanding of business processes, control frameworks, and related regulatory and compliance standards.
• Managing testing schedules to ensure all tasks and reporting are completed within established time frames and documented within systems of record.
• Systematically retaining documents that substantiate test results.
• Reviewing tests executed by colleagues for accuracy and adherence to test plan and procedures.
• Developing and executing test plans, continually validating and improving existing design while identifying new opportunities to execute tests in high‑risk areas.
• Requesting and analyzing data; supporting and initiating efforts to improve data sourcing and driving innovation with business partners and IT support teams.
• Identifying and contributing to the implementation of new technologies and innovative concepts.
• Communicating results to Compliance Officers, Compliance Advisors, Legal, and Business Area Partners.
• Demonstrating strong time management, organizational, and prioritization skills; completing multiple concurrent tasks within close deadlines with a high degree of accuracy and detail.
• Exhibiting strong problem‑solving and conceptual thinking skills.

• High School Diploma, GED, or equivalent certification.
• At least 3 years of experience in compliance testing, risk management, compliance monitoring, quality assurance, control review, or audit.
• At least 2 years of Microsoft Office or Google Suite experience.
• At least 1 year of experience interacting with senior management or business partners.

• Bachelor's degree.
• 4+ years of financial services consumer compliance monitoring, auditing, risk management or compliance experience.
• 2+ years of experience analyzing data from various sources and making recommendations based on data.
• 1+ year of scripting experience in Python, SQL.
• Certified Regulatory Compliance Manager (CRCM) accreditation.

• Experience implementing technology testing solutions (Robotics Processing Automation, Optical Character Recognition, Natural Language Processing).
• Working knowledge of basic statistics.
• Basic understanding of data schemas or cloud data structure and experience engaging with data analytics teams to help drive innovative testing approaches.
• Working knowledge of Excel for Analysts, SQL, and cloud data.
• Experience creating test scripts using SQL, Python to test full populations for key attributes.

Capital One is an equal opportunity employer (EOE, including disability/veteran) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace and will consider qualified applicants with a criminal history in a manner consistent with applicable laws regarding criminal background inquiries.