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

Foundation models and architecture

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.

LLMs and agentic AI

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.

Responsible AI and trustworthiness

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.

Model lifecycle and efficiency

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.

Data and knowledge 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.

Milind Naphade

“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.”

Milind Naphade, SVP, AI Foundations

Research blogs

Research

Discover how Capital One is advancing state-of-the-art AI/ML science through collaborative natural language processing research.

June 30, 2026

Fellowships

Meet the University of Illinois researchers and fellows advancing Agentic AI through our academic partnership.

July 8, 2026

Events

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.

Austin Z. Vice President, AI Foundations