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Capital One

Full-stack Engineer 4 (Risk Tech)

Richmond, VA, United States
McLean, VA, United States
Cambridge, MA, United States

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Job details

Posting language: English
Posted: Nov 12, 2026

Original job description

Full-stack Engineer 4 (Risk Tech)

Do you love building and pioneering in the technology space? Do you enjoy solving complex business problems in a fast-paced, collaborative, inclusive and iterative delivery environment? At Capital One, you'll be part of a big group of makers, breakers, doers and disruptors who solve real problems and meet real customer needs. We are seeking Full-stack Software Engineers who are passionate about leveraging cutting-edge open source frameworks and emerging technologies. In this role, you’ll be at the forefront of driving a major transformation across Capital One.

Risk Tech is responsible for transforming risk management into a real time, intelligent discipline powered by modern products and technical capabilities. Our mission is divided into two primary functional pillars: Risk Management Tech (RMT), which develops the frameworks and tools for monitoring risks, testing controls, and managing regulatory requirements; and AML and Compliance Tech (ACT), which ensures our products are delivered ethically and in strict compliance with BSA/AML regulations and global laws.

Reinforcing these pillars are our commitment to Architecture & Engineering Excellence. Our Architecture team bridges the gap between business strategy and technical execution through a customer centric, domain oriented lens, while our Engineering Excellence team empowers our talent to build better, more resilient systems every day. Together, we ensure that Risk Tech isn't just a safeguard - it’s a competitive advantage

What You’ll Do:

Lead a portfolio of diverse technology projects and a team of developers with deep experience in distributed microservices, and full stack systems to create solutions that help meet regulatory needs for the company
Share your passion for staying on top of tech trends, experimenting with and learning new technologies, participating in internal & external technology communities, mentoring other members of the engineering community
Collaborate with digital product managers, and deliver robust cloud-based solutions that drive powerful experiences to help millions of Americans achieve financial empowerment
Utilize programming languages like Java, Scala, Python, Go, Node.js, JavaScript and TypeScript, Open Source RDBMS and NoSQL databases, Container Orchestration services including Docker and Kubernetes, and a variety of AWS tools and services
Provide technical leadership and direction across Agile teams, setting standards for design, development, and operational excellence
Partner with architects to define service boundaries, integration patterns, and reusable frameworks
Proactively identify areas for improvement, implementing targeted refactoring and contributing to efforts that reduce technical debt and enhance system performance
Influence long-term technology strategy through evaluation of emerging tools and practices in a ‘you build it, you own it’ environment

This role is designated as a hybrid position. You are expected to adhere to Capital One's hybrid policy regarding required on-site presence at your designated office location.

Basic Qualifications:

Bachelor's Degree or higher in Computer Science or a related quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Engineering)
At least 4 years of experience in software engineering (Internship experience does not apply)
At least 2 years of experience with public cloud platforms (AWS, GCP, Azure), cloud-based productivity tools, or virtualization technologies

Preferred Qualifications:

Master’s Degree in Computer Science or a related field
7+ years of experience coding with more than two of the following: Java, Python, Scala, or Go
3+ years of experience with database and database management systems
3+ years of experience with AWS, GCP, Azure, or cloud-based productivity tools or virtualization technologies
4+ years of experience contributing to open source frameworks
4+ years of experience creating synchronous and asynchronous APIs
3+ years of experience with CI/CD pipelines, infrastructure as code, and automated testing frameworks
3+ years of experience using Git-based version-control systems (e.g., Git, GitHub, Bitbucket)
3+ years of experience troubleshooting technical issues within cloud environments
Experience leveraging modern AI-based coding tools and IDE copilots
1+ year of experience mentoring engineers and driving professional development within technical teams
1+ year of experience leveraging observability to identify and optimize performance bottlenecks in distributed systems
Experience with interactive AI tooling to accelerate productivity, utilizing capabilities beyond basic code completion
Experience leading cross-functional engineering efforts or large-scale technical initiatives
Experience establishing and enforcing coding standards and design patterns across teams

At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (e.g. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-3, and O-1, or any other forms of work authorization that require immigration support from an employer).

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.

Cambridge, MA: $197,300 - $225,100 for Full-stack Engineer 4

McLean, VA: $197,300 - $225,100 for Full-stack Engineer 4

Richmond, VA: $179,400 - $204,700 for Full-stack Engineer 4

Candidates 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.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan. 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. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

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

No agencies please. 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.

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 Capital One Recruiting at 1-800-304-9102 or via email at 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.

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

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

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More about this job

Skills

Risk management
Microservices
Create solutions to problems
Coaching
Programming languages
Oracle Java
Scala
Python
Go
Node.js
JavaScript
TypeScript
NoSQL
Docker
Kubernetes
AWS
Leadership
Agile
Computer science
Statistics
Research
Google Cloud
Microsoft Azure
Database management systems
CI/CD
Infrastructure as code
Test automation
Git
Control systems
GitHub
Atlassian Bitbucket
Troubleshooting
IDE
CPT
J
Technical support
Recruitment

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Jobs in the United States