Insurance Risk - Principal Associate (Remote-Eligible)

September 29, 2026

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<div>Insurance Risk - Principal Associate (Remote-Eligible)Capital One’s Agency Finance Team is seeking a highly analytical and proactive Insurance Risk-Principal Associateto join our team. This role is critical in ensuring that our commercial loan portfolio remains protected, compliant, and resilient. You will be responsible for interpreting complex insurance policy structures, identifying and curing coverage deficiencies, and managing high-level exception requests. The ideal candidate is a self-starter who takes complete ownership of their workflow and possesses a deep technical understanding of commercial insurance coverages as they relate to real estate lending and GSE requirements. Responsibilities:<ul><li>Compliance & Analysis: Review loan documentation, third party documents and investor guidelines to identify applicable insurance requirements; identify deficiencies in current policies and collaborate with agents and borrowers to resolve non-compliant items.</li><li>Technical Policy Review: Analyze insurance certificates, binders, full policies, and endorsements to ensure accuracy and adequacy.</li><li>Waiver Management: Holistically evaluate the risk associated with insurance deficiencies. Determine the feasibility of waivers and independently draft comprehensive justifications for investor approval.</li><li>Subject Matter Expertise: Maintain a deep understanding of core coverages (General Liability, Umbrella/Excess, Property, etc.) and articulate the necessity of these coverages in protecting the underlying asset.</li><li>Stakeholder Coordination: Partner with internal lines of business and external stakeholders (borrowers, agents, third-party providers, and GSEs) to provide expert guidance on insurance matters.</li><li>Force Placement & Audit: Manage force-placed insurance processes when necessary and represent the department in both internal and external audits.</li><li>Process Improvement: Proactively identify opportunities to streamline workflows, increase internal controls, and improve departmental efficiency.</li></ul> Additional Responsibilities:<ul><li>Analytical Rigor: The ability to assess risk beyond a basic checklist, understanding the "why" behind coverage requirements and the broader implications of a deficiency.</li><li>Exceptional Communication: Strong professional correspondence skills and the ability to write technical justifications that are clear, persuasive, and concise.</li><li>Accountability: A proven track record of working independently, managing a high-volume, and meeting deadlines.</li></ul> Basic Qualifications:<ul><li>High School Diploma, GED, or equivalent certification</li><li>At least 5 years of experience in the insurance industry, with a focus on commercial risk, underwriting, or compliance</li></ul> Preferred Qualifications:<ul><li>Bachelor’s Degree or Military experience</li><li>2+ years of experience working with Fannie Mae or Freddie Mac (GSE) Multifamily Loans</li><li>Certification in Associate in Risk Management (ARM), Chartered Property Casualty Underwriter (CPCU), or Certified Risk Manager (CRM) certification </li></ul> Capital One is open to hiring a Remote Employee for this opportunity. 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.Remote (Regardless of Location): $98,900 - $112,900 for Principal Agency Ops AssociateCharlotte, NC: $98,900 - $112,900 for Principal Agency Ops Associate McLean, VA: $108,900 - $124,300 for Principal 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.</div>

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