Compliance Tester III

Overview

The Principal Compliance Tester III performs a key second line of defense role to help ensure corporate initiatives, departmental processes, and applicable lines of business comply with enterprise regulatory requirements. Working under the guidance of a team leader, the Principal Tester III will execute complex, risk-based compliance transaction testing. The primary purpose of this role is to independently validate business line adherence to both Anti-Money Laundering (AML) laws and consumer regulations—including but not limited to the BSA, USA PATRIOT Act, PCMLTFA, and Regulations CC, D, DD, E, and FCRA.

Key Responsibilities

• Execute targeted, complex, risk-based transaction testing for various lines of business in alignment with team methodology and Independent Compliance Transaction Testing (ICTT) procedures.
• Develop, continually validate, and improve test plan designs; suggest strategic changes to testing methodologies and perform high-risk testing as needed.
• Drive innovative ways to approach testing by demonstrating a deep understanding of testing frameworks, business processes, control environments, and related regulatory standards.
• Obtain and analyze test data from multiple sources, systemically documenting work and results by leveraging job aids and documented test protocols.
• Support and initiate efforts to improve data sourcing by partnering with Business and IT areas to develop improved, automated, or more reliable data pipelines.
• Ensure impeccable record-keeping by systematically retaining documents that substantiate test results with a high level of accuracy.
• Formally submit test results into the system of record (PRIME).
• Manage assigned testing schedules and concurrent timelines to ensure all tasks, documentation, and reporting are completed within established timeframes.
• Review transaction tests and deliverables executed by peers to ensure accuracy, quality assurance, and adherence to established test procedures.
• Work cooperatively and effectively with supporting team members to meet broader departmental goals.
• Establish and maintain strong, collaborative relationships with Compliance Advisors, the Risk Office, and Business Areas, ensuring engagement with the proper points of contact throughout the testing lifecycle.
• Communicate test results clearly and effectively to Advisors, Business Areas, and Compliance Officers.
• Provide robust support for ICTT and Compliance audits and regulatory examinations as needed.

Qualifications

• High School Diploma, GED, or equivalent certification.
• At least 2 years of experience in compliance testing, compliance monitoring, quality assurance, audit, or financial investigation.
• Bachelor’s degree.
• At least 3 years of compliance testing or auditing experience specifically related to AML laws and regulations.
• Strong working knowledge of both US and Canadian laws and regulations as they relate to AML, Sanctions, Fair Lending, Privacy, or vertical testing areas.
• Deep familiarity with consumer regulations (e.g., Regulations CC, D, DD, E, and FCRA) and filing requirements (SAR, CTR, and/or STR).
• Exceptional problem-solving, conceptual thinking, and time-management skills, with the ability to manage multiple tight deadlines with high attention to detail.
• Strong communication and stakeholder management skills.
• Professional certification such as CAMS, CFE, CRCM, or CFCS.

Pay

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.

• Riverwoods, IL: $109,900 - $125,400 for Compliance Tester IIICandidates 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.

Benefits

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.

Schedule

This role is expected to accept applications for a minimum of 5 business days.

Equal Opportunity Employer

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.

Contact Information

For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com. 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 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.