Insurance Risk - Senior Associate Capital One’s Agency Finance Team is seeking an organized, proactive, and adaptable Insurance Operations - Senior Associate to join our team. This role is essential to managing core operational workflows, ensuring loan compliance, and maintaining seamless insurance coverage and escrow servicing across our commercial real estate portfolio. The ideal candidate brings foundational knowledge in commercial insurance or mortgage servicing, pairs strong critical thinking with acute attention to detail, and thrives in a collaborative environment where cross-training and flexibility are highly valued. Responsibilities: • Coverage Compliance & Maintenance: Collect and review insurance certificates and proof of payment to update servicing systems; identify coverage lapses, remediate cancellation notices, and escalate files for lender placement as needed. • Escrow & Financial Processing: Perform detailed escrow reviews to ensure accurate records reconcile with premiums paid, collect and process premium invoices and reimbursements, and coordinate with multiple internal stakeholders to process payments and confirm escrow accuracy. • Portfolio & Securitization Monitoring: Monitor securitization workflows and maintain accurate, up-to-date records across multiple internal and external software systems. • Stakeholder & Vendor Coordination: Maintain the group mailbox, communicate basic insurance requirements to borrowers and agents, and evaluate vendor escalations to determine appropriate next steps. • Audit Preparation: Compile, organize, and validate required documentation for internal and external audit reviews. • Process Improvement: Proactively identify opportunities to streamline workflows, increase internal controls, and improve departmental efficiency. Additional Responsibilities: • Analytical Rigor: The ability to assess risk beyond a basic checklist, understanding the "why" behind processes and workflow, to evaluate broader impacts. • Operational Flexibility: Flex to cover multiple positions within the group as operational demands shift, demonstrating a strong aptitude to learn new subject areas quickly. • Exceptional Communication: Strong professional correspondence skills and the ability to write technical justifications that are clear, persuasive, and concise. • Accountability: A proven track record of working independently, managing a high-volume, and meeting deadlines. Basic Qualifications: • High School Diploma, GED or equivalent certification • At least 2 years of Commercial Banking or Loan Operations experience Preferred Qualifications: • Bachelor’s Degree or Military Experience • 4+ years of Commercial Bank Operations, Loan Servicing, Risk, Compliance or Government Sponsored Entities (GSE) experience • 4+ years of experience working with Fannie Mae or Freddie Mac (GSE) Multifamily Loans At this time, Capital One will not sponsor a new applicant for employment authorization for this position. #CommOps 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. Charlotte, NC: $80,800 - $92,200 for Sr. Agency Ops Associate   McLean, VA: $88,800 - $101,300 for Sr. Agency Ops Associate                   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).