Richard D. Fairbank
Chairman and Chief Executive Officer
Executive
31 yr
13 reports
Capital One Financial Corporation ·COF
Five business presidents report directly to the founder CEO
Financial Services · Fortune #70 · Divisional structure · 52K employees · McLean, VA
View as of:
9
CEO span
↓ tighter than peers (avg 11)
3.1
Avg span
moderate
3
Max depth
3 levels
7.2 yr
Avg tenure
stable vs FY2024
78%
Internal hires
↑ above industry avg
Consolidated financials FY2025 · period end 2025-12-31 · 10-K
Revenue
$8.1B
Net income
$2.5B
Total assets
$669.0B
Shares out
622M
Sourced from Capital One Financial Corporation DEF 14A · filed 2026-03-25 ↗ View on SEC
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Capital One Financial Corporation organizational chart
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Five business presidents report directly to founder CEO Richard Fairbank, an unusually wide span for a top‑20 U.S. bank. This page maps Capital One’s divisional structure, executive team, recent leadership changes, and compares its flat model to large banking peers.
What to model
Use the chart to test org decisions, not just view reporting lines
Start with the public baseline, then use the scenario views and source-backed changes to ask what happens when leadership, span, or team ownership shifts.
Latest signal Ravi Raghu joined as President, Capital One Software
Appointed March 2026 following internal reorganization of software and B2B platforms.
Source · See change logScenario views in the chart
- Add Chief AI Officer Create a dedicated Chief AI Officer reporting to the CEO to separate AI governance from broader Enterprise Services as AI scale increases.
- Move Global Payment Network under Enterprise Services Shift the Global Payment Network president to report to the Chief Enterprise Services Officer to reduce CEO span and centralize platform operations.
Atlas work this supports
- Connect Workday or UKG Get these analytics for YOUR org — tenure, span of control, headcount, automatically from your HRIS.
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- Plan a Reorg Use this as a starting point. Model scenarios, compare structures, present options to your board.
The people
Who's running this
10 executives identified as Named Executive Officers in the most recent SEC proxy. Bar length scales with tenure.
internal
Frank G. LaPrade III
Chief Enterprise Services Officer & Chief of Staff
Enterprise Services
16 yr
0 reports
internal
Andrew M. Young
Chief Financial Officer
Finance
5 yr
0 reports
internal
Mark Daniel Mouadeb
President, Card
Card
1 yr
2 reports
internal
Celia S. Karam
President, Retail Bank
Retail Bank
3 yr
1 reports
internal
Sanjiv Yajnik
President, Financial Services
Auto & Financial Services
16 yr
1 reports
Jason Hanson
President, Global Payment Network
Payments
1 yr
0 reports
internal
Ravi Raghu
President, Capital One Software
Software
0 yr
0 reports
internal
Kara West
Chief Enterprise Risk Officer
Risk
3 yr
0 reports
internal
Michael Zamsky
Chief Credit & Financial Risk Officer
Risk
3 yr
0 reports
The businesses
How Capital One Financial Corporation divides the work
5 divisions report into the group CEO. Tile size scales with estimated headcount.
Card
20K employees
President, Card (Mark Daniel Mouadeb)
Consumer and small‑business credit card and personal loan businesses across the U.S. and international markets.
Retail Bank
12K employees
President, Retail Bank (Celia S. Karam)
Deposits, checking, savings, branches, cafés, and consumer banking experiences.
Financial Services
8K employees
President, Financial Services (Sanjiv Yajnik)
Auto finance and related consumer lending platforms.
Global Payment Network
4K employees
President, Global Payment Network (Jason Hanson)
Discover Network, PULSE, Diners Club International, and payment processing operations.
Enterprise Services
8K employees
Chief Enterprise Services Officer (Frank G. LaPrade III)
Technology, enterprise AI, data, design, brand, security, and shared services.
The thesis
Why this org is unusual
Five separate business presidents — Card, Retail Bank, Financial Services, Global Payment Network, and Capital One Software — report directly to founder‑CEO Richard Fairbank.
This creates a wide CEO span but preserves clear P&L accountability by business. The model reflects Capital One’s long‑standing preference for empowered divisional leaders rather than a COO‑centric operating layer. Enterprise Services sits alongside the businesses, centralizing technology, data, AI, and brand while remaining directly accountable to the CEO.
- Founder CEO with 30+ year tenure
- Multiple presidents as direct CEO reports
- No standalone COO role
The comparison
How Capital One Financial Corporation stacks up
Compared with peers like JPMorgan Chase and Bank of America, Capital One runs a flatter, more divisional model with fewer management layers between the CEO and business heads. Unlike JPMorgan’s strong COO role or Wells Fargo’s layered risk governance, Capital One places risk and enterprise services directly under the …
C-suite size
Capital One Financial Corporation
10
Discover Financial
8
Reporting depth
Capital One Financial Corporation
3 levels
5 levels
5 levels
6 levels
6 levels
Discover Financial
4 levels
Avg C-suite tenure
Capital One Financial Corporation
7 yr
6 yr
7 yr
4 yr
3 yr
Discover Financial
6 yr
Has COO / Has CAIO
Capital One Financial Corporation — no COO — no CAIO
Discover Financial — no COO — no CAIO
Current signals
What changed recently
The most significant change was the creation of a dedicated Global Payment Network president after the Discover acquisition.
- Date not confirmed newRavi Raghu President, Capital One Software
Appointed March 2026 following internal reorganization of software and B2B platforms.
Source - Date not confirmed newJason Hanson President, Global Payment Network
Joined May 2025 after Discover acquisition to lead Discover Network, PULSE, and Diners Club.
Source - Date not confirmed reorgEnterprise Services Expanded enterprise scope
Enterprise Services broadened to include Enterprise AI, Data, and Capital One Software following Discover integration in 2025.
Source
Leadership Timeline
Year-over-year executive structure based on SEC proxy and annual filings.
FY2025
DEF 14A filed 2026-03-25
- CEO
- Richard D. Fairbank
- CEO span
- 9
- C-suite
- 9
- Avg tenure
- 7.1 yr
First full year reflecting Discover integration and expanded payments leadership.
Named executive officers (5)
- Richard D. Fairbank - Chairman & CEO since 1994
- Andrew M. Young - Chief Financial Officer since 2021
- Frank G. LaPrade III - Chief Enterprise Services Officer since 2010
- Mark Daniel Mouadeb - President, Card since 2025
- Celia S. Karam - President, Retail Bank since 2022
FY2024
DEF 14A filed 2025-03-26
- CEO
- Richard D. Fairbank
- CEO span
- 8
- C-suite
- 8
- Avg tenure
- 7.4 yr
Pre‑Discover standalone Capital One structure.
Named executive officers (5)
- Richard D. Fairbank - Chairman & CEO since 1994
- Andrew M. Young - Chief Financial Officer since 2021
- Frank G. LaPrade III - Chief Enterprise Services Officer since 2010
- Celia S. Karam - President, Retail Bank since 2022
- Sanjiv Yajnik - President, Financial Services since 2009
FY2023
DEF 14A filed 2024-03-27
- CEO
- Richard D. Fairbank
- CEO span
- 8
- C-suite
- 8
- Avg tenure
- 7.8 yr
Stable founder‑led divisional model.
Named executive officers (5)
- Richard D. Fairbank - Chairman & CEO since 1994
- Andrew M. Young - Chief Financial Officer since 2021
- Frank G. LaPrade III - Chief Enterprise Services Officer since 2010
- Sanjiv Yajnik - President, Financial Services since 2009
- Mark Daniel Mouadeb - President, U.S. Card since 2022
Year-over-year changes
Discover acquisition added a new payments president and widened the CEO span.
- CEO span: 8 → 9
- C-suite size: 8 → 9
- Avg tenure: 7.4 → 7.1 yr
- new Jason Hanson - President, Global Payment Network (was Discover EVP) (DEF 14A 2026-03-25)
- reorg Capital One Software - Standalone business (10-K 2025-12-31)
The board
Board of directors
3 directors. 2 of 3 independent (67%). Source: most recent DEF 14A.
Richard D. Fairbank
Chair Inside
Chairman & CEO, Capital One Financial Corporation
Ime Archibong
Independent
VP Product Management, Meta
Christine Detrick
Independent
Former Senior Advisor, Bain & Company
Also on: Other Public Board
Frequently Asked Questions
Who is the CEO of Capital One Financial?
Richard D. Fairbank is Chairman and Chief Executive Officer and has led Capital One since its founding in 1994.
What type of organizational structure does Capital One Financial use?
Capital One operates a divisional structure, with major consumer and payments businesses led by presidents reporting directly to the CEO.
How many direct reports does Capital One Financial's CEO have?
Richard Fairbank has nine direct reports, including five business presidents and four enterprise leaders.
How has Capital One Financial's leadership changed recently?
Recent changes include appointing a President of Global Payment Network after the Discover acquisition and elevating Capital One Software to a standalone business in 2026.
Does Capital One Financial have a COO?
No. Capital One does not have a standalone Chief Operating Officer; operational responsibility sits with business presidents and Enterprise Services.
Sources
- Company Leadership Page, Mar 2026
- Proxy Statement, 2026
- 10-K & Proxy disclosures, 2025
- SEC EDGAR: Capital One Financial Corporation DEF 14A Proxy Statement
- SEC EDGAR: Capital One Financial Corporation 10-K Annual Report
Reference
Cite this page
If you reference this page in research, analysis, or news writing, use one of the formats below. Citation includes the SEC filing source where applicable.
APA 7th
Creately. (2026). Capital One Financial Corporation organizational structure. Creately. Retrieved , from https://creately.com/org-chart/fortune-500/capital-one/MLA 9th
"Capital One Financial Corporation Organizational Structure." Creately, April 1, 2026, https://creately.com/org-chart/fortune-500/capital-one/. Accessed .Chicago 17
Creately. "Capital One Financial Corporation Organizational Structure." Last modified April 1, 2026. https://creately.com/org-chart/fortune-500/capital-one/.Original SEC source View on SEC ↗
Capital One Financial Corporation. DEF 14A. Filed 2026-03-25. U.S. Securities and Exchange Commission. https://www.sec.gov/Archives/edgar/data/927628/000119312526124131/d701179ddef14a.htmPermanent URL: https://creately.com/org-chart/fortune-500/capital-one/ · last updated 2026-04-01