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Capital One

Machine Learning Engineer 4 - Finance Tech

Cambridge, MA, United States
NY, United States
McLean, VA, United States

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Job details

Posting language: English
Posted: Nov 10, 2026

Original job description

Machine Learning Engineer 4 - Finance Tech

Do you love building and pioneering in the AI and 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 love to solve real problems and meet real customer needs. We are seeking Machine Learning Engineers who are passionate about leveraging cutting-edge open source frameworks, advanced algorithms, and emerging technologies to join our team. As a Machine Learning Engineer, you’ll have the opportunity to be on the forefront of driving major AI transformations and scaling production models across Capital One.

Finance Tech is responsible for transforming Capital One's financial engine into the most trusted, nimble, and insightful in the industry. Our core mission is to engineer outcomes that strategically enable the Finance organization and the broader Enterprise to remain efficient. This mission is driven by four technical and functional pillars: Forecasting & Resiliency, providing advanced decision support; Treasury & Trade managing sophisticated cash and investment lifecycles; and Accounting & Reporting, ensuring the integrity of our general ledger and regulatory commitments. Powering these pillars are our Data and Core capabilities, which manage the orchestration, sourcing, and pipelines for critical financial data products.

By defining the next generation of financial technology, we ensure that every business process is backed by high fidelity tracking and reporting. Together, we are not just supporting the bottom line - we are building a strategic enabler that operates as a world class financial engine.

What You’ll Do:

The MLE role overlaps with many disciplines, such as Ops, Modeling, and Data Engineering. In this role, you'll be expected to perform many ML engineering activities, including one or more of the following:
Design, build, and/or deliver ML models and components that solve real-world business problems, while working in collaboration with the Product and Data Science teams
Inform your ML infrastructure decisions using your understanding of ML modeling techniques and issues, including choice of model, data, and feature selection, model training, hyperparameter tuning, dimensionality, bias/variance, and validation)
Solve complex problems by writing and testing application code, developing and validating ML models, and automating tests and deployment
Collaborate as part of a cross-functional Agile team to create and enhance software that enables state-of-the-art big data and ML applications
Retrain, maintain, and monitor models in production
Leverage or build cloud-based architectures, technologies, and/or platforms to deliver optimized ML models at scale
Construct optimized data pipelines to feed ML models
Leverage continuous integration and continuous deployment best practices, including test automation and monitoring, to ensure successful deployment of ML models and application code
Ensure all code is well-managed to reduce vulnerabilities, models are well-governed from a risk perspective, and the ML follows best practices in Responsible and Explainable AI
Use programming languages like Python, Scala, or Java

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, Machine Learning or a related quantitative field (Statistics, Economics, Operations Research, Analytics, Mathematics, Engineering)
At least 4 years of experience programming with Python, Java, Golang, or C++
At least 4 years of Machine Learning experience using industry standard frameworks PyTorch or Tensorflow and libraries (Pandas, NumPy, Scikit-learn)
At least 4 years of experience using and operating large scale distributed systems (Spark, Ray) to prepare AI or Machine Learning data
At least 2 years of experience deploying and operating Machine Learning solutions in production and operating production services in the cloud (AWS, GCP, Azure) and using Kubernetes to manage large scale containerized Machine Learning software systems

Preferred Qualifications:

Master's or Doctoral Degree in Computer Science, Electrical Engineering, Mathematics, or related field
3+ years of experience optimizing ML algorithms, configurations, and infrastructure
3+ years of experience following software development best practices including source control, testing, code reviews, CI/CD, etc.
3+ years of experience building resilient software solutions with pre-production testing, advanced deployment techniques (one-box, blue/green, gradual dial-up), monitoring, alarms, and preparing incident response plans.
3+ years of experience working with Machine Learning techniques (Supervised, semi-supervised, and unsupervised, reinforcement learning, etc.) model types (Regression, Classification, Clustering, etc.), model Architectures (RNNs, CNNs, LSTMs, Transformers), training concepts (loss function, hyperparameters, regularization), and how to evaluate model accuracy and diagnose and address common issues (underfitting, overfitting)
3+ years of experience designing, implementing, and scaling production-ready data pipelines for training and evaluating ML models.
1+ years of experience as a technical lead developing ML solutions using industry best practices, patterns, and automation
Authored/co-authored a paper on a ML technique, model, or proof of concept

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 Machine Learning Engineer 4

McLean, VA: $197,300 - $225,100 for Machine Learning Engineer 4

New York, NY: $215,200 - $245,600 for Machine Learning 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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Jobs in the United States