Capital One’s Applied AI Research

Learn about how Capital One’s Applied AI Research is fueling the frontier of AI.

As the EVP, Chief Scientist, and Head of Enterprise AI, Prem Natarajan is leading the technology strategy, architecture and development for Capital One’s enterprise data, analytics and machine learning initiatives. This includes advancing its AI capabilities, tools and research efforts. 

Having worked in government, academia and big tech, I have been fortunate to be at the cutting edge of AI throughout my career. What I enjoy most about working in this field is tackling the most challenging technology problems and using those advancements to create new capabilities that have a positive impact on people's everyday lives, both at home and at work. 

Money, and particularly access to financial services, has a lasting impact on all of our lives. It is one of the high-impact industries and sectors of society that is well-suited for the thoughtful application of AI to accelerate positive global change for billions of customers.

Capital One is advancing AI and ML through applied research

At Capital One, AI and machine learning are foundational to how we deliver value for our customers and our business. Improving the banking experience for our customers is at the center of everything we do, and our AI development is no different. Whether it's helping consumers shop more safely online or giving them new insights into their finances, we're finding ways to use AI to make things easier and better for our customers. 

Our AI Foundations team, which includes our Applied Researchers, is at the center of bringing to life our vision for AI at Capital One by working on some of the most interesting and forward-leaning challenges at the intersection of AI and finance. Together with our partners inside and outside Capital One, we're fueling the frontiers of state-of-the-art AI research in finance to help make banking simpler and safer for our 100 million customers.

Select areas of key AI & ML research for banking

We harness the power of AI and ML to develop more capable and helpful products and services for our customers. Our AI-powered capabilities are leading the way in banking today. Some of the key areas of experimental research we focus on to enhance these capabilities include:

How Capital One’s network of partners fuels AI research

We partner with many of the nation's top research universities and institutions to tackle some of the most challenging issues in AI and ML. Our partners include:

  • University of Maryland - Center for Machine Learning

  • New York University - Tandon School of Engineering & Center for Data Science

  • Columbia University - Data Science Institute, as well as a newly established Center of AI and Responsible Financial Innovation (CAIRFI) with Capital One

  • Massachusetts Institute of Technology - Computer Science & Artificial Intelligence Laboratory

  • National Sciences Foundation partnership with the National Artificial Intelligence Research Institute

  • Partnership on AI

  • University of Southern California Viterbi School of Engineering and a forthcoming academic center and partnership 

  • University of Virginia - School of Data Science, including the UVA Data Justice Academy to support underrepresented groups’ advancement into the field of data science

  • University of Illinois Urbana-Champaign - Research Park

Through our applied research program and partnerships, we are focused on promoting the thoughtful development and adoption of state-of-the-art AI research in our businesses. This initiative aims to enhance customer experiences and drive business outcomes.

Using AI and data to help our customers at Capital One

The fact that we can apply data and AI to understand our customers’ needs, goals and pain points means we are in an unprecedented position to continue delivering the right help at the right time — providing tremendous value to people in all spheres of their lives. We can do this at scale for over 100 million customers. 

Our Applied Research program is at the forefront of industry-wide advances in this domain. It is incredibly exciting to envision the breakthroughs we will accomplish by focusing on the most critical customer-facing innovations and combining our world-class AI talent with a network of the best academic talent in the world.

Explore Capital One's AI efforts and career opportunities

If you are interested in helping us research and build the technology that will drive the future of banking, learn more about our AI efforts, and take a look at our open Applied Research and broader Tech career opportunities.

Prem Natarajan, EVP, Chief Scientist & Head of Enterprise AI

Prem leads the technology strategy, architecture, and development for Capital One's AI efforts. Before joining Capital One, Prem served as the VP of Amazon's Alexa AI organization and as the EVP of Speech, Language, and Multimedia at Raytheon BBN Technologies.

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