Capital One works on artificial intelligence, machine learning, data analytics and financial technology at the scale of a large consumer bank. The company describes itself as a technology company that happens to be in banking, and applies mass customisation and personalisation across its products - an approach it pioneered in credit cards. Its technical work supports a customer base of more than 65 million accounts spanning credit cards, auto loans, savings and commercial banking.
Founded in 1994 and headquartered in McLean, Virginia, Capital One is a financial services company and bank holding company. It employs tens of thousands of associates and operates across seven countries, with a presence in the United States, Canada, India, Mexico, the Philippines, the United Kingdom and Singapore.
The organisation has been founder-led since its inception, with Richard Fairbank as chief executive. Stated values include intellectual rigor, teamwork and doing the right thing, alongside an entrepreneurial spirit the firm aims to sustain at scale. It also holds that no one should be locked out of the financial system.
