[ about capital one innovation lab ]Capital One Innovation Lab is the research and development arm of Capital One, dedicated to transforming how people experience banking through technology, data, and design. The Lab brings together engineers, product strategists, and designers to explore emerging technologies—from machine learning and cloud computing to conversational AI and human-centered interfaces—turning complex problems into intuitive financial solutions.
Its mission is to reimagine the future of finance by combining data intelligence, automation, and user experience design into products that simplify decisions and empower customers.
Through an agile, experimentation-driven culture, the Innovation Lab bridges applied research and enterprise delivery, accelerating the adoption of next-generation capabilities across Capital One’s ecosystem.
With teams in multiple U.S. tech hubs, Capital One Innovation Lab operates at the intersection of financial expertise, human insight, and digital craftsmanship, shaping experiences that make banking smarter, safer, and more personal.
[ My role ]CAPITAL ONE
Flatiron district, New York, New York
Sr. Manager
At Capital One, I shaped the future of intelligent asset management—where data drives strategy and technology transforms decision-making.
At Capital One Innovation Lab, I led product strategy for internally developed asset management technology designed to help the firm manage regulatory obligations and gain strategic insight into the value of its owned assets. My focus was on transforming fragmented data and compliance workflows into a unified, intelligent platform that empowered decision-making at scale.
In this role, I drove the convergence of product design, data intelligence, and regulatory technology, enabling asset managers to evaluate evolving market conditions and make informed decisions on behalf of Capital One. The platform provided a dynamic view of where assets were located, how surrounding environments were changing, and what those shifts meant for future growth and policy alignment.
I collaborated with data scientists, engineers, and portfolio leaders to deliver a product that balanced innovation with accountability—enhancing visibility, precision, and trust in how Capital One understood and managed its investments.
[ strategic outcomes ]Strategic Outcomes
Data-Driven Asset Intelligence
Unified regulatory and investment data into a single analytical ecosystem, enabling real-time visibility across portfolios and improving strategic decision-making accuracy.
RegTech Modernization
Redesigned compliance workflows through automation and intelligent controls, reducing reporting friction while ensuring precision and alignment with evolving regulatory standards.
Operational Insight Acceleration
Delivered dynamic dashboards that transformed static asset reports into actionable insights—empowering leaders to anticipate market shifts and optimize performance at scale.
Cross-Functional Collaboration
Bridged engineering, data science, and investment strategy teams to deliver unified solutions that balanced innovation, governance, and measurable business impact.
“Collaborating with Charles was a defining experience in innovation leadership. His ability to translate complex data and regulatory challenges into elegant, usable solutions elevated the entire lab’s approach to product design. Charles combines a strategic mindset with hands-on execution—driving clarity, accountability, and measurable impact in every initiative. His leadership consistently bridges disciplines, inspiring teams to align technology, governance, and insight toward meaningful transformation.”
Frank Kurt
Director, Capital One Innovation Lab
Data → Insight → Decision → Impact
Stage 01Data Systems
Unified internal and regulatory data into intelligent systems that automate compliance tracking and deliver real-time asset visibility across portfolios.
Stage 02Insight Generation
Transformed complex datasets into clear, auditable insights that empowered asset managers to anticipate shifts and align investment decisions with evolving policies.
Stage 03Decision Intelligence
Enabled portfolio and risk teams to make faster, data-driven decisions through adaptive dashboards and predictive analytics built for transparency and precision.
Stage 04Measured Impact
Delivered measurable gains in reporting efficiency, regulatory accuracy, and decision quality—strengthening trust and operational resilience across the enterprise.
[ the journey ]A deliberate climb through insight, integrity, and innovation.
Inclusions
Every journey begins with a purpose. Mine began with a belief: that asset management could evolve through the discipline of data, design, and accountability. At Capital One Innovation Lab, that meant transforming complexity into clarity—building technology that empowered decision-makers while strengthening regulatory trust.
Each phase—data unification, product design, compliance automation—was a deliberate ascent. From concept to deployment, progress demanded precision, empathy, and measurable impact. The outcome wasn’t just technology that worked—it was technology that understood the business it served.
The climb continues, guided by the same principles that define Capital One’s innovation culture: curiosity, discipline, and purpose.
Exclusions
Shortcuts. Over-engineering. Anything that sacrifices clarity for speed or compliance for convenience. True innovation in finance doesn’t come from disruption alone—it comes from the steady pursuit of systems that think responsibly and act transparently.
This journey values alignment over acceleration. It’s not about reaching the summit first—it’s about ensuring that every insight, every dataset, and every decision stands the test of integrity.