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Senior Manager, Credit Card Compliance Advisor

Capital One · Chicago, IL · Full time

Posted Aug 14, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a time you got involved early enough in a product change that compliance shaped the design instead of reviewing it at the end.

What they are checking: Whether they act as a strategic partner who builds compliance into growth plans rather than a late-stage gate.

Tell me about a time you had to say no to a business partner. How did you explain it, and what happened to the relationship?

What they are checking: Whether they can deliver an unwelcome answer while keeping the trust that makes people bring issues to them early.

How do you explain a complex Regulation Z requirement to a product manager who has never worked in a regulated business?

What they are checking: Whether they can make regulation practical and clear enough for non-specialists to act on correctly.

What would you do

A business leader tells you a launch date is fixed and your concern will delay it. How do you handle that conversation?

What they are checking: Whether they can hold a second-line position under schedule pressure while offering realistic paths forward.

How do you keep your advice consistent across Acquisitions, Credit Line Management and Data Management when each team asks slightly different versions of the same question?

What they are checking: Whether they think about precedent and consistency, since conflicting advice across teams creates its own regulatory risk.

A new regulation or guidance update affects card acquisitions. Walk me through how you'd figure out its impact and get the business ready.

What they are checking: Whether they can run regulatory change management from interpretation through to implemented controls.

About the work

The card team wants to change how it sets initial credit lines for new accounts. Which parts of Regulation Z's ability-to-pay rules come into play, and what would you ask them first?

What they are checking: Whether they know the ability-to-pay requirements well enough to apply them to a real credit line decision.

A campaign eligibility change would exclude applicants based on a data attribute that correlates with age. How do you think about that under Regulation B?

What they are checking: Whether they spot fair lending risk from proxies and disparate impact, not only from obvious prohibited bases.

Give me an example of how FCRA shapes what the business can do with consumer report data in a prescreened acquisition campaign.

What they are checking: Whether they understand firm offer of credit rules and permissible purpose as they apply to real card marketing.

How do you decide whether a practice that is technically legal could still be a UDAAP problem?

What they are checking: Whether they can judge customer harm and fairness, which is where the hardest compliance calls usually live.

How do you review business policies, standards and procedures to make sure they actually reflect the regulatory requirement?

What they are checking: Whether they can trace a requirement down to a specific procedure step and find where the translation broke.

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The full job description

As published by Capital One.

Senior Manager, Credit Card Compliance Advisor The Senior Manager, Credit Card Compliance Advisor performs a key risk management role in the second line of defense, to help ensure corporate initiatives and processes comply with applicable laws and regulations. While working within the Compliance Management Program framework, the Credit Card Compliance Advisor is responsible for delivering quality results, providing compliance advice to lines of business as a subject matter expert, and executing or participating in corporate processes. The Credit Card Compliance Advisor will support and advise on the following areas within the US Card business: Card Acquisitions, Campaign Eligibility, Ability to Pay, Credit Line Management and Data Management. The laws and regulations that the Credit Card Compliance Advisor will be providing guidance on include, but are not limited to, Regulation Z, Regulation B, FCRA and UDAAP. The Senior Manager Credit Card Compliance Advisor supports the line of business by: • Partnering with business leaders to ensure compliance risk is integrated into business strategy and growth initiatives; • Serving as a strategic partner and providing proactive advisory on new and revised products and processes. • Providing input on business regulatory requirements • Providing guidance on business policies, standards, and procedures • Providing guidance on controls over regulatory requirements and line of business monitoring of those controls Responsibilities: • Identify potential internal and external risks relating to the lines of business initiatives and processes and provide guidance on remediation, escalate and facilitate with subject matter experts, when necessary • Maintain subject matter expertise of applicable laws and regulations • Perform and review control assessments executed by peers for accuracy and adherence to test procedures • Evaluate Internal Audit, Regulatory Exam, and self-identified issues and events for compliance impacts • Provide effective challenge and guidance on compliance risks and support lines of business through various interactions and forum engagements • Advise lines of business on application of Compliance requirements, such as: new products, process development, development of controls and monitoring, remediation/corrective action of compliance breakdowns, and change in law or regulation • Assist lines of business in the development and maintenance of the Compliance Program, such as how to monitor, report, and train • Support lines of business through expert advice, influence adjustments to the processes, procedures, and controls • Perform UDAAP validations and reviews • Active involvement with compliance testing and third party compliance • Maintain expert understanding of Compliance Risk Management Framework and applicable laws and regulations • Assist in capturing, maintaining, and analyzing compliance data, interpreting it to ensure consistency and adequate Compliance Risk Management • Participate in governance activities, including: Compliance Requirements, Compliance Risk Assessments, Business Change Management (LAUNCH), Issue and Event Management, and others • Participate in reporting activities including Monthly Business Reviews, Quarterly Compliance Reviews and other reports used by Senior Leadership • Flexibility to travel to various Capital One locations as necessary Basic Qualifications: • Bachelor’s Degree or military experience • At least 5 years of experience in Compliance, Risk Management, Audit or Legal Preferred Qualifications: • 7+ years of experience in Compliance, Risk Management, Audit or Legal • Master’s Degree or J.D. • Compliance certifications such as CRCM (Certified Regulatory Compliance Manager) certification, or ACAMS (Certified Anti-Money Laundering Specialists) certification, or CIPP (Certified Information Privacy Professional) certification • Strong knowledge of Credit Card Operations, Servicing, Systems or Platforms At this time, Capital One will not sponsor a new applicant for employment authorization for this position. The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked. Chicago, IL: $161,500 - $184,300 for Compliance Advisor Sr. Manager McLean, VA: $177,700 - $202,800 for Compliance Advisor Sr. Manager Richmond, VA: $161,500 - $184,300 for Compliance Advisor Sr. Manager Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website . Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level. This role is expected to accept applications for a minimum of 5 business days. No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. 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. 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 RecruitingAccommodation@capitalone.com . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site. 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).

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