
Capital One AI Research
At the frontier of AI for financial services.
Pioneering research
Our world-class applied researchers continue to create breakthroughs at the frontier of science and emerging technology. We're solving meaningful, industry-wide challenges for millions of customers by incorporating state-of-the-art AI research into the business.
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Applied AI research focus areas
Applied AI research focus areas
Focuses on the development of large-scale foundation models across various data modalities. Includes model types like Language, Graphs and Time Series, pretraining, RAG (Retrieval-Augmented Generation), and fine-tuning strategies and how to integrate Knowledge Systems and Multimodal Knowledge Representation to enhance factual understanding.
Dedicated to building next-generation AI systems that act and reason independently and collaboratively. Includes single and multi-agentic systems, advanced complex reasoning techniques, resource management models like Test Time Compute and Mixture of Experts, and the use of Reinforcement Learning (including RLHF and World Models) to train autonomous behaviors.
Research geared toward ensuring AI systems are safe and reliable, especially relevant in our highly-regulated industry. Core areas include LLM Safety and Security, defining benchmarks and evaluation frameworks, Privacy Preservation, Unlearning (to remove specific data influence) and reliable decision-making through Causal Inference.
Centers on solving the engineering challenges of operating models at scale. Involves improving the entire pipeline, including LLM Training, Inference and Optimization techniques, to enhance the speed and resource efficiency of deployed systems.
Includes rigorous data curation, generation of reliable synthetic data, and the application of models to understand and predict real-world dynamics, such as User Behavior Modeling.

“Capital One continues to accelerate the adoption of state-of-the-art AI research into our business to enhance the customer experience and drive transformational business outcomes.”
Research blogs
Capital One at ACL 2026
Discover how Capital One is advancing state-of-the-art AI/ML science through collaborative natural language processing research.
June 30, 2026
Announcing Capital One's 2026 UIUC AI Awardees
Meet the University of Illinois researchers and fellows advancing Agentic AI through our academic partnership.
July 8, 2026
NLP research foundations at ICLR 2026
Explore our latest research in LLM alignment, uncertainty quantification and privacy-preserving synthetic data in Rio de Janeiro.
April 20, 2026
Capital One at ACL 2026
Discover how Capital One is advancing state-of-the-art AI/ML science through collaborative natural language processing research.
June 30, 2026
Announcing Capital One's 2026 UIUC AI Awardees
Meet the University of Illinois researchers and fellows advancing Agentic AI through our academic partnership.
July 8, 2026
NLP research foundations at ICLR 2026
Explore our latest research in LLM alignment, uncertainty quantification and privacy-preserving synthetic data in Rio de Janeiro.
April 20, 2026
Building the next generation of AI talent
At Capital One, you will help bring the transformative power of emerging AI capabilities to advance our mission to change banking for good and help improve the financial lives of millions of customers.
