Full-Time
Head of the Canada Risk Office
Posted on 8/21/2026
Capital One
10,001+ employees
Credit cards, loans, and banking services
No salary listed
Toronto, ON, Canada
Hybrid
Three days on-site per week required.
Bachelor's
 Finance & Banking (1) |
|---|
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- At least 10 years of experience in Risk Management, Project Management, Compliance or Process Management.
- At least years experience managing people and leading a team.
- Support the Canada Business with identifying and managing the risks inherent in the business activities, products, and processes.
- Support the Principal Officer and the Canada Senior Leadership Team in promoting a culture of risk awareness, clear risk ownership within the business, and personal accountability.
- Provide oversight of the control testing team, ensuring governance processes align with the COSO framework and continuous improvement as needed.
- Provide oversight of the risk event management process, ensuring timely identification and escalation of issues and control deficiencies.
- Review and recommend updates to compliance and risk management policies, processes, procedures, controls, and metrics to adapt to changes within the industry and the Branch’s risk appetite.
- Partner with 1A Business and the Second Line of Defence to establish and maintain processes for monitoring the regulatory environment, identifying new or changed regulations, trends, and emerging risks, and proactively assessing impacts to business operations, risk profile, policies, processes, and procedures.
- Support internal audits and regulatory examinations, including OSFI, FCAC, and OCC examinations, and resolve findings.
- At least 7 years of Financial Services third-party risk management experience.
- Excellent verbal presentation and written communication skills to confidently interact at all levels of the organization, including technology/cyber organizations, enterprise business stakeholders, and executive leadership.
- Excellent problem-solving, analytical, and critical-thinking skills to respond effectively to shifting priorities, demands, and timelines.
- Ability to set direction, manage expectations, and lead cross-functional teams.
- Highly collaborative and consultative approach, seeking inspiration and feedback from others to drive toward the best solution.
- High degree of organizational skills and ability to manage multiple, competing priorities.
- Strong understanding of Enterprise Risk Management frameworks.
- Strong written and verbal communication skills and proven relationship-building ability.
- Certified Third-Party Risk Professional or other applicable risk certifications.
Capital One provides a range of financial services in the United States, including credit cards, savings accounts, car loans, and business checking. It uses data and technology to shape its products and make banking easier and more accessible, including no-fee, no-minimum checking options. The company earns money mainly from interest on loans and credit card fees, plus investment banking services. Its products work by offering customers accounts and credit instruments backed by various lending products, with features like online banking, customer support, and educational tools to help financial decisions. Capital One differentiates itself through an emphasis on financial inclusion, user-friendly digital experiences, and partnerships focused on financial literacy, aiming to reach a broad audience from individuals to small businesses. Its goal is to simplify banking and expand access to financial services for a wide audience.
Company Size
10,001+
Company Stage
IPO
Headquarters
McLean, Virginia
Founded
2014
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Simplify's Take
What believers are saying
- Q2 2026 net income reached $3.0 billion, with adjusted EPS of $5.81.
- Management said Discover integration is 14 months in and synergies are advancing.
- Capital One claims full debit revenue synergies and one-third of operating expense synergies achieved.
What critics are saying
- Capital One laid off 1,139 Riverwoods employees in 2026, signaling integration strain.
- The 2025 CFPB savings-account suit was dropped, but future enforcement remains unpredictable.
- A 2026 data breach or failed Discover migration would damage trust and trigger existential scrutiny.
What makes Capital One unique
- Capital One shipped VulnHunter in July 2026, an open-source agentic code-security tool.
- Discover integration gives Capital One scale others lack, with 24-month system migration underway.
- Proprietary consumer data powers Capital One’s AI workflows and underwriting advantages.
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Benefits
Medical, Dental, & Vision coverage
Onsite Health Centers
Prescription saving with network of local pharmacies
Stock Purchase Plan
Education Assistance
401(k)
Flexible Spending Accounts
Life and Disability insurance
Generous paid time off + corporate & floating holidays
Registered dieticians on site, cooking classes and free virtual fitness classes
Employee Assistance Program
Company News
Bank of America maintained its Buy rating on Capital One Financial with a $253 price target, representing 11.3% upside potential. The rating comes as Capital One integrates its Discover acquisition, completed in May 2025. Capital One's domestic credit card loans totalled $258.9 billion in July, growing 1.92% year-over-year, down from 2.58% growth in June. BofA analyst Mihir Bhatia expects loan growth to remain subdued until integration headwinds clear. Despite slower card growth, credit quality improved. The domestic card net charge-off rate fell 26 basis points to 4.12%, outperforming historical averages. Auto loans showed stronger momentum, growing 12.05% annually to reach $90.5 billion. BofA cited expected expense synergies, capital-return potential, and improving credit trends as reasons for its positive outlook, despite risks from economic uncertainty and regulatory concerns.
Visa and Mastercard join Rain's agentic commerce coalition. Stablecoin payments infrastructure company Rain has formed a group to promote agentic commerce development. The Agentic Payments Alliance (APA) was announced Tuesday (Aug. 18), listing Visa, Mastercard, Fiserv, Circle, Solana and Remitly among its founding members. "No single company should get to decide how agents transact on someone's behalf. That has to come from the platforms building the rails, the regulators setting the rules, and the innovators closest to how agents are actually being used today," Farooq Malik, co-founder and CEO of Rain, said in a news release. "We initiated the Agentic Payments Alliance to put all of these parties in the same room, and to do it now, while the category is still taking shape." The release cites projections from McKinsey estimating between $3 trillion and $5 trillion in global agentic AI commerce by 2030. What's still being defined, Rain said, is the infrastructure that allows that activity: how artificial intelligence agents are authorized, how fraud is detected, and how loyalty and rewards will work. The company said it formed the APA to "bring the people building that infrastructure into the same conversation, before those decisions get made in isolation." Rain says it has spent the last year "building toward this moment," with offerings like including its Agent Control Layer and Scoped Cards, which provide agents with widely accepted payment credentials "that are safe and limited." "That work put Rain in a position to convene founding members across the industry rather than build the category alone," the release said. "The Alliance itself is a working coalition, run collectively by its founding members rather than owned by any one company. Members will set its charter and mission together." The group's early work is expected to involve shared research and frameworks, experimenting with emerging standards for AI agent identity and authorization, and advocating on the regulatory questions raised by agentic commerce, Rain said. PYMNTS wrote earlier this month about how Visa, Mastercard and fellow card giants American Express and Capital One are developing "the rails" for agentic commerce. "Agentic commerce is a when, not an if," Visa CEO Ryan McInerney said during an earnings call. "We're building the products, the services, the protocols, ensuring that the ecosystem has what it takes, and this will happen, and it will be a positive tailwind for Visa."
Former Capital One executive Mark Mathewson takes top technology role at Ally Financial. Published. August 18, 2026 Ally Financial has appointed Capital One veteran Mark Mathewson as Chief Information and Data Officer, placing him in charge of technology and data across the company's banking, auto finance, and other business lines. Mathewson joined Ally on July 20 with more than 25 years of financial services technology experience. He will lead the company's technology organization as Ally expands its data capabilities and use of AI across its digital products. Mathewson spent 12 years at Capital One, rising from vice president to executive vice president. Most recently, he served as divisional chief information officer for its retail and commercial banking units, overseeing technology teams in the U.S., Mexico, and India. Before joining Capital One, Mathewson spent 12 years at Fannie Mae in leadership roles spanning application development, IT governance, and project portfolio management. He also led technology organizations supporting the company's capital markets and customer engagement teams. Earlier in his career, he worked at Deloitte and technology startup admine.com. "Ally has built something genuinely rare in financial services," Mathewson said, pointing to its commitment to developing technology solutions that address "real pain points in banking." Headquartered in Detroit, Ally operates the country's largest all-digital bank and a major auto finance business. The company reported $197 billion in assets and 9.5 million customers as of March 31, 2026.
goeasy Ltd. announces appointment of Mark Snyder as Chief Credit Risk & Data Officer. Aug 17, 2026, 08:00 ET Experienced Canadian Financial Services Executive Brings Deep Expertise in Credit Risk, Analytics, Fraud Mitigation and Data Science MISSISSAUGA, ON, Aug. 17, 2026 /CNW/ - goeasy Ltd. (TSX: GSY) ("goeasy" or the "Company"), one of Canada's leading consumer lenders focused on delivering a full suite of financial services to Canadians with non-prime credit scores, today announced the appointment of Mark Snyder as Chief Credit Risk & Data Officer, effective September 8, 2026. "Mark is a highly respected leader with deep expertise in credit risk, analytics and data science," said Patrick Ens, Chief Executive Officer of goeasy. "His consumer credit experience and proven ability to lead integrated credit risk and data teams will further enhance our data-driven, analytical decision-making capabilities as we continue to strengthen our foundation for sustainable, profitable growth." Mr. Snyder brings more than 20 years of experience leading credit risk, fraud mitigation, analytics and data science within the Canadian financial services industry. Most recently, he has served as Senior Vice President, Credit Risk & Data Analytics at President's Choice Financial, now part of EQ Bank, where his mandate includes credit and fraud risk, loss forecasting, and data and analytics. Prior to joining President's Choice Financial, Mr. Snyder spent more than 20 years with Capital One, holding progressively senior credit leadership roles in the United States and Canada, including Divisional Credit Officer and Senior Credit Officer. At Capital One he was responsible for credit and fraud risk programs, portfolio performance, loss forecasting, model governance and significant credit exposure decisions. He also led the development and adoption of AI-driven decision models covering underwriting, customer management and fraud programs in sub-prime and near-prime segments. As Chief Credit Risk & Data Officer at goeasy, Mr. Snyder will lead the Company's credit risk, analytics, business intelligence, data governance, emerging technologies and enterprise data science functions. Bringing Risk and Data together under one leader is expected to further strengthen goeasy's risk management, analytics and decision-making capabilities while supporting disciplined growth, stronger organizational performance and better customer experiences. About goeasy goeasy Ltd. is a leading Canadian provider of non-prime consumer lending solutions, offering a suite of financial products through its easyfinancial, easyhome, and LendCare brands. goeasy offers unsecured and secured instalment loans, point-of-sale financing, and lease-to-own merchandise through its omni-channel model, which spans online, mobile, and hundreds of locations nationwide. Driven by its team members' dedication to expand access to credit for underserved communities and helping customers strengthen their financial futures, goeasy has proudly served more than 1.6 million customers while building an award-winning culture. Shares of goeasy Ltd. are listed on the Toronto Stock Exchange (TSX) under the symbol GSY. For more information, visit www.goeasy.com. For investor inquiries, contact: James Obright Senior Vice President, Investor Relations & Capital Markets [email protected] Forward-Looking Information This news release may contain forward-looking information within the meaning of applicable Canadian securities laws, including statements regarding the expected impact of the executive appointment and the Company's business, risk management, analytics and performance. Forward-looking information is based on current expectations and is subject to risks and uncertainties that could cause actual results to differ materially. Readers are referred to the Company's filings with the Canadian securities regulators, including the Company's Management's Discussion and Analysis for the year ended December 31, 2025 and the quarter ended June 30, 2026, each of which is available on SEDAR+ at www.sedarplus.ca. The risks and uncertainties described in the Company's filings are not the only ones that could affect the Company. Additional risks and uncertainties not currently known to management or that may currently not be considered material by management, could nevertheless also have an adverse effect on the Company's business. Readers are cautioned not to place undue reliance on forward-looking information, which speaks only as of the date of this news release. The Company undertakes no obligation to update such information except as required by law. SOURCE goeasy Ltd.
Capital One enhances banking efficiency with multi-agent AI platform. At VB Transform 2026, Capital One's Kel Vanee showcased how the bank is leveraging customized open-weight models to build a transformative AI platform, emphasizing the unique advantages of proprietary data in banking. Key facts. * Capital One's use of proprietary data in AI models enhances competitive differentiation in banking. * Customization of open-weight models yields enterprise-wide benefits, optimizing resource allocation. * Multi-agent architecture improves operational efficiency, reducing customer service handling time significantly. * Proactive AI systems could lower fraud risk, indicating a strategic shift towards real-time responsiveness. * Investment in AI infrastructure reflects long-term financial strategy, driving cost efficiency and innovation. Summary. Capital One faced the challenge of enhancing customer service efficiency and accuracy in handling complex fraud calls. To address this, the bank developed a multi-agent AI architecture that customizes open-weight models with proprietary data, resulting in improved service delivery and operational effectiveness. Background. Capital One is a major player in the financial services industry, known for its innovative approach to banking. Before deploying its AI solutions, the bank had already invested significantly in data transformation and cloud infrastructure, laying a strong foundation for rapid AI adoption. Challenge. The primary challenge was to improve the handling of millions of customer calls related to bank fraud, where interactions could last from four to sixty minutes. Initial attempts using a single large language model proved inadequate, prompting the need for a more sophisticated solution. Solution. Capital One implemented a multi-agentic workflow (MACAW) that routes customer interactions through specialized agents. This system includes an understanding agent to interpret customer intent, a reasoning agent to generate summaries, a validation agent to fact-check, and an explaining agent to format and share the results. Additionally, the bank customized open-weight models, such as Meta's Llama, using its proprietary data to enhance the performance of customer-facing applications like Chat Concierge. Results. The deployment of the multi-agent AI architecture led to significant improvements in customer service efficiency. The post-call summaries generated by the system eliminated the need for agents to reconstruct lengthy interactions manually, streamlining the process and enhancing accuracy. Key insights. A successful AI deployment requires a tailored approach that leverages proprietary data and a structured architecture. Capital One's experience illustrates the importance of building a governance framework around AI systems to ensure quality and compliance while driving innovation. Customer testimonial. "All of those ingredients were absolutely critical to differentiating in this space and hitting the quality bars as well as the cost and latency thresholds we set for ourselves," said Kel Vanee, MVP of machine learning engineering at Capital One. Entities mentioned. VentureBeat Chat Concierge Technologies multi-agent AI open-weight models large language models (LLMs) Sam Witteveen Key concepts. multi-agent AI architecture open-weight models data transformation cloud adoption customer service workflow proactive AI event-driven AI enterprise platform approach Definitions. * multi-agent AI - A system architecture that utilizes multiple specialized agents to perform tasks collaboratively, improving efficiency and accuracy. * open-weight models - AI models that are customizable and can be fine-tuned with proprietary data to enhance performance for specific use cases. * proactive AI - AI systems that act autonomously based on detected conditions, rather than waiting for human prompts. * event-driven AI - AI that responds to specific events or triggers in real-time to perform actions or make decisions. * large language models (LLMs) - Advanced AI models designed to understand and generate human language, often requiring significant computational resources. Use cases. * | customer service for bank fraud * | auto-shopping assistant * | automating rote tasks for employees * | optimizing backend hosting infrastructure * | monitoring fraud detection * | enhancing customer interactions Frequently asked questions. What is Capital One's approach to AI? Capital One focuses on building customized AI solutions rather than relying on off-the-shelf models. This involves using proprietary data to fine-tune open-weight models for specific applications. How does the multi-agent AI architecture work? The multi-agent AI architecture consists of specialized agents that handle different aspects of a task, such as understanding customer intent, generating summaries, and validating information, ensuring a more efficient workflow. What are the benefits of using open-weight models? Open-weight models allow for deep customization with proprietary data, enabling organizations to leverage unique insights that off-the-shelf models cannot provide, thus enhancing performance and relevance. What is proactive AI and why is it important? Proactive AI refers to systems that can act on their own when certain conditions are met, which is crucial for timely responses in scenarios like fraud detection, ultimately improving customer safety and experience. How does Capital One ensure the quality of its AI solutions? Capital One emphasizes a highly governed architecture that combines fine-tuned models with a multi-agent orchestration harness, ensuring that technical breakthroughs translate into measurable value and improved customer experiences.