From start-up to stand-out
The 90’s were an exciting time for everyone. At Capital One, we were just getting started. But even back then, we were already thinking about the future. Figuring out how we could harness data on a massive scale and use innovation to build a tech company that does banking–and a whole lot more besides.
Building on our success
After going public with our IPO in 1994, our associates helped us build one of the nation’s largest credit card businesses. We dove into auto finance, expanded into the U.K. and Canada, and then turned our attention to retail banking–all while helping customers, associates and communities succeed and grow.
Still growing, still innovating
Fast forward to today. We’re a Fortune 100 company and one of the largest banks in the U.S. We’re still founder-led. And we’re still innovating, too. In fact, J.D. Power recently ranked Capital One highest among the nation’s largest retail banks for offering a consistently strong digital experience, compelling products and great customer satisfaction.
Our next chapter,
it’s yours to write
When we’re looking for innovation, we look to our associates. After all, their diverse array of backgrounds, opinions and perspectives are what enable us to innovate for the good of the customers and communities we serve. That’s why our culture and values have such an important part to play in keeping every associate inspired to change banking for good.Join the team to experience it yourself
new patents granted to Capital One in 2021–almost all of which were related to software or technology.
Adversity breeds innovation
During the pandemic, when coming into a branch wasn’t always an option, two of our Retail Bank associates invented a mechanism to double ATM withdrawal limits. They rapidly scaled the solution and applied it across our entire portfolio. Thanks to their innovative thinking, more than 575,000 customers benefited from higher ATM limits and $6 million ATM fees were waived for customers using other banks.Learn more about the amazing things we’re doing with tech
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Innovation for all,
The diverse backgrounds, voices and experiences of our team rally around a shared sense of purpose–to make banking better for every customer. From Tech to Retail Bank, and from project manager to president, the ideas that fuel innovations truly do come from every corner of Capital One. Here are just a few of the ways we keep the inspiration flowing.
Hackathons give tech and non-tech teams the opportunity to come together and develop ideas that increase our digital capabilities and improve our processes. For instance, our recent HRTechnovation hackathon saw us addressing existing barriers to associate experiences and efficiency, and creating tech-based solutions to meet these challenges head-on.
Capital One Labs is our experimental product and technology team that operates like a start-up within the broader company. By partnering with different parts of our business and hosting hackathons, Labs helps us to source ideas, actively engage with mentors and subject matter experts early in the development process and elevate stand-out ideas to a cross-functional group of investment leaders.
Ready, Set, Bank
Ready, Set, Bank is the perfect example of a product that came from a hackathon. An online video course that empowers older adults to be successful and confident with online banking, Ready, Set, Bank found huge success during the pandemic as more customers went online to fulfil their banking needs.
Proving that not all innovations have to be purely tech-based, our network of 45+ Capital One Cafés is reimagining banking experiences by empowering customers to feel more confident in their relationship with money through financial wellness programs and Money Coaching–a free program that pairs customers with a certified coach to create a personalized action plan.
Let’s face it–patenting and protecting an idea can be a long and complicated process. That’s why we set-up OnePatents–a program that allows us to partner with associates and make the patenting process as smooth and stress-free as possible. What’s more, associates can scoop a cash bonus for each new idea that becomes an issued patent.
Awarding and applauding bright ideas
When associates share their passions, ideas and unique experiences with us, we sit up and take notice. And if an associate or team goes above and beyond to challenge the status quo? That’s when we start handing out the silverware. Here’s a quick look at how innovation is recognized and rewarded at Capital One.
Derby and Awards
Now in its fifth year, the OnePatents Derby allows associates from every part of the business to submit their ideas and inventions to us–whatever they might be. The inventor (or team of inventors) that submits the qualifying entry with the most legal and business value receives a generous cash bonus. Over the past four years, 1,472 associates have submitted over 1,800 ideas during the Derby–and made an immeasurable difference to our organization.
Work & Culture
Circle of Excellence
The Circle of Excellence is the highest internal honor associates can receive. It’s more than an award—it celebrates and elevates associates and teams that dare to innovate and create positive change. Alongside a wealth of great prizes, associates have the opportunity to attend a virtual ceremony where they can share their story with our CEO and Chief Enterprise Services Officer.
Work & Culture
Celebrating the smaller, every day wins of our associates is where the Onederful recognition program comes in. Through the Onederful program, we’re able to recognize and reward the contributions and achievements of thousands of Capital One associates every year.
We're Getting Recognized
Associates aren’t just recognized internally for their innovation and achievements. The fact is, their inspirational, collaborative approach shines bright across all of banking, and has helped us earn all kinds of industry accolades and awards.
See Awards and Recognitions
Coming Together to Eliminate Overdraft Fees
Learn how Capital One associates worked together to eliminate overdraft fees for our customers.
OnePatents: Innovation and Invention for All
Learn how Capital One’s patent program makes it easy for the company to apply patents.
Using Machine Learning to Change Banking for Good
Interested in learning how Capital One is building machine learning? Hear from Abhijit Bose on how we're developing in machine learning.
Becoming Cloud-Ready With Capital One Programs
Learn how Capital One’s early adoption of the cloud has helped us develop in-house training programs to help associates develop cloud-ready skills.
Beyond Banking and Coffee: Meet Capital One Cafés
Café Ambassadors share their favorite things about the Capital One Café and help to explain how this unique space serves the communities they’re in.
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Build the next generation of digital tools for our customers—we’re always innovating solutions.Explore 544 Jobs
Leverage technology in new and powerful ways to pioneer change, all in the pursuit of changing banking for good.Explore 602 Jobs
When our customers have questions about our products and services, they’ll turn to you.Explore 5 Jobs
Design and create future-forward products on a team of innovators helping to change banking for good.Explore 80 Jobs
Write code and crunch numbers, all in pursuit of developing models that solve problems—and make us a better bank.Explore 22 Jobs
Use your tech skills to stop cyber threats and help make banking safe and secure for our customers.Explore 40 Jobs
Help us tell our story by creating memorable digital experiences for our customers through your creativity and ingenuity.Explore 9 Jobs
Take your place on the front lines, representing our brand, problem solving and building relationships with the customersExplore 146 Jobs
Your outgoing personality and tech-savvy know-how can make all the difference for the customers that visit our cafés.Explore 11 Jobs
Use cutting-edge software, audit methodologies, and data science to help us make great business decisions.Explore 13 Jobs
Use your bold perspective and specialized skills to drive projects and implement financial strategies—challenging the way banking is done.Explore 57 Jobs
Deliver expert advice, superior products and best-in-class service to our commercial partners.Explore 16 Jobs
Your entrepreneurial mindset and expertise leads to one-of-a-kind service for every small business owner you assist.Explore 14 Jobs
Use your expertise and perspective to bring insights to the table so we can grow in the right ways.Explore 53 Jobs
Be on the frontlines of attracting, engaging and retaining top talent that’s helping us change banking for good.Explore 10 Jobs
Help us communicate how we’re changing banking for good, and ensure our brand is one of the most recognized in the industry.Explore 7 Jobs
Analyze, develop and test the strategies that pull insights from our data and move us forward.Explore 25 Jobs
Use your strategic and analytical skills to help solve major challenges and make both our business and banking, better.Explore 21 Jobs
Offer simple answers to complex questions, while helping both our team and customers thrive.Explore 26 Jobs
Move our innovations closer to reality by mitigating legal risk with your expertise and ability to advise on strategic business decisions.Explore 8 Jobs