Senior Manager, Know Your Customer (KYC) Advisory Program Oversight

Capital One • McLean, VA

3d • Hybrid

About The Position

The Senior Manager, Know Your Customer (KYC) Advisory Governance performs a second-line-of-defense risk management role, helping ensure corporate initiatives and line-of-business processes comply with applicable Anti-Money Laundering (AML) laws, regulations, and guidance. Working within the Compliance Management Program framework, this role delivers compliance advice as a subject matter expert, executes or participates in corporate processes, and helps establish an effective risk control environment. The position supports consistency across Enterprise KYC and Advisory teams and Capital One lines of business, while promoting transparency and proactive engagement between AML teams and business areas.

The Senior Manager leads KYC and Higher Risk Banking Relationships (HRBR) initiatives, cross-functional projects, advisory forums, remediation, and end-to-end work streams that strengthen the AML risk program. The role advises and credibly challenges business processes and controls, monitors regulatory developments, oversees KYC responses to audits and regulatory reviews, and presents AML program updates to stakeholders. It also supports Customer Due Diligence requirements, emerging-risk frameworks, industry benchmarking, advisory education, change management, assessments, and KYC training.

This is a hybrid position, subject to Capital One's hybrid policy and required on-site presence at the designated office location. The role is eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives. Capital One provides a comprehensive benefits program; eligibility varies by employment status and management level.

Requirements

• Bachelor's degree or military experience.
• At least 4 years of experience in regulatory compliance, risk management, or anti-money laundering (AML) compliance.
• At least 2 years of Program or Project Management experience.
• At least 2 years of advisory or consulting experience.

Nice To Haves

• Bachelor's degree in Business Management, Compliance, Risk, Legal, Finance, or Accounting.
• 3 or more years of experience advising on AML risks associated with credit card products, merchant acquisition, processing, or payment networks.
• Certified Anti-Money Laundering Specialist (CAMS) or Certified Regulatory Compliance Manager (CRCM) certification.
• 2 or more years of experience working with Tableau dashboards or other data visualization tools to present risk metrics and data.

Responsibilities

• Lead KYC- and Higher Risk Banking Relationships (HRBR)-impacting projects and initiatives by setting strategic direction, challenging existing approaches, aligning stakeholders, and driving solutions.
• Lead cross-functional engagement with AML Legal, Advisory, ESRA, and lines of business; develop project plans, drive remediation, and document decisions and risk implications in executive summary memos.
• Establish and lead KYC forums to resolve critical migration risks through coordinated remediation and executive escalation.
• Oversee acquired portfolios to ensure AML and KYC compliance.
• Lead implementation and execution of end-to-end work streams to improve the AML Risk Program.
• Advise lines of business on AML requirements for process and control development, monitoring, remediation and corrective action, and changes in laws, regulations, and regulatory guidance.
• Oversee, credibly challenge, and assess the AML risk business environment and establish processes for timely implementation of regulatory requirements.
• Monitor changes in the AML regulatory landscape and assess impacts on Capital One lines of business.
• Lead AML Advisory forums to promote consistency and continuous improvement in local AML risk management processes.
• Review inquiries from AML Advisors and lines of business, provide guidance and issue-resolution support, and escalate risks or concerns as needed.
• Oversee Enterprise KYC responses to audits, regulatory reviews, and other reviews of the AML program.
• Create and present materials to stakeholders, including business leadership, to promote AML Compliance initiatives and update them on AML program health.
• Strengthen Customer Due Diligence requirements through forums such as the Emerging Risk Council, balancing risk appetite and business objectives and establishing frameworks such as VASP for future integrations.
• Conduct industry benchmarking on KYC components, including periodic review frequency, and address leadership concerns regarding review triggers.
• Educate Advisory teams on emerging KYC trends, industry practices, and regulatory actions.
• Provide oversight and effective challenge for Launch Initiatives and AML Change Management.
• Manage and support KYC activities for exams, audits, and Money Laundering Risk Assessments (MLRAs).
• Oversee development and administration of KYC Computer-Based Training (CBTs).

Benefits

• Comprehensive health, financial, and other benefits supporting total well-being.
• Performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior