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Lawyers and legal careers experts consider how aspiring solicitors can find success in the capital

At the London leg and first in our series of ‘Secrets to Success’ events, in partnership with The University of Law (ULaw), six lawyers and legal careers experts came together to discuss their experience training and working in various London firms, providing some insight into how life as a lawyer in the City has been affected by the pandemic.

The speakers

Dakota Glasgow-Simmonds, associate in the insurance team at Clyde & Co
Simon Saitowitz, partner in the corporate and private equity 1st national bank paragould ar at Fried Frank
Shannett Thompson, partner in the regulatory team (health and social care, education) at Kingsley Napley
Jemma Pollock, senior associate in the family team at Russell-Cooke
Gemma Baker, graduate recruitment manager at Willkie Farr & Gallagher
Caroline Carter, ULaw Moorgate campus dean and former head of employment and senior equity partner at Ashurst

Life in a London law firm

As England’s capital city and a global financial centre, London capital one spark commercial offers trainee solicitors a wealth of opportunities which are more scarce in other regions. “There’s more choice in London as there is a larger spread of firms, meaning you can pick the very best firm for you,” said Simon Saitowitz, partner in the corporate and private equity team at Fried Frank. “On top of this, trainees are exposed to really exciting transactions in certain sectors, such as banking and finance.” For Dakota Glasgow-Simmonds, an associate at Clyde & Co, this exposure to high quality work is a real perk of the City. “As someone who is interested in insurance law, it’s incredible to see the insurance sector first-hand from a London [market] perspective as I can speak to my clients face-to-face and go to their offices.”

It’s not just cutting-edge deals London offers, but also a more diverse workforce. Shannett Thompson, a partner in the regulatory team at Kingsley Napley, found that she didn’t find the level of inclusion in Bristol while training as she does in London. Nevertheless, Thompson encouraged aspiring solicitors to “go to the hub of the sector you want to work in”. Gemma Zions bank hours draper, graduate recruitment manager at Willkie Farr & Gallagher, agreed with this sentiment, noting that the choice to train in London or elsewhere is really a personal one. “You have got to work out what type of career you want — which client sector interests you, and what type of firm you want to work at — and from here you can decide which city is right for you.”

Since the legal industry has shifted to remote working and networking due to the pandemic, the panel were asked to consider whether London has retained its location advantage. Jemma Pollock, a senior associate in the family team at Russell-Cooke, is confident that London holds the same position it did pre-pandemic as people are returning to the office, in-person meetings and court hearings, and networking events are increasing again in popularity. It’s likely though that City firms will allow employees to work from home when needed, according to Caroline Carter, ULaw Moorgate campus dean. “I predict that law firms will allow solicitors to work in a hybrid model where possible as we now know that the work can be done at home,” she said.

Find out more about studying for the SQE at ULaw

How the pandemic has affected different practice areas

While many students are aware that Covid affected the work of corporate lawyers, the precise impact on each practice area is perhaps less known. As a family lawyer, Pollock was asked whether the increase in divorce rates heritage bank near me now the pandemic impacted her work. “The increase in divorce rates is often exaggerated in the media”, Pollock explained, “It also doesn’t consider the uncertainty of the lockdown periods when people were reluctant to start the process during this time.” She noted, however, that she has noticed capital one spark commercial increase in cases involving domestic abuse and child arrangements during the pandemic. “It has been a really up and down time and we are all hoping for a bit more stability for our clients now that, hopefully, lockdown periods have ended,” she said.

Thompson, a regulatory partner, was asked whether she thinks there will be an influx of medical negligence claims against NHS Trusts due to the delayed and perhaps missed diagnoses as a result of the pandemic. “While there may be an influx in those type of claims against NHS Trusts”, Thompson said, “it is unlikely that these claims will be successful due to the nature of the pandemic and the fact that the NHS was stretched so thin.” Thompson had noted a number of regulatory issues relating to healthcare businesses who continued to treat patients despite pandemic regulations/guidance only allowing essential treatment.

In terms of how Covid affected the insurance sector, Glasgow-Simmonds explained that Covid has been a catalyst for the hardening of the insurance market but it is important to be aware that this is not the only factor currently causing the market to harden. For example, capped interest rates on insurers’ investments and increased pay-outs due to unforeseen natural catastrophes are affecting insurers across the board, meaning there is an “increased importance on examining the types of risk that insurers can cover” including the scope of risks placed and the wordings implemented.

Saitowitz of Fried Frank detailed how the pandemic has meant an increased focus on the technology and clean energy industries for private equity funds. “The funds focused on technology are probably the most active in the market”, said Saitowitz, pointing out the fact that Covid has led to huge amounts of growth and development in both sectors.

Although this general practice area knowledge is useful for students applying to firms, Baker was adamant that it is not expected. “Assessment centres are primarily concerned with soft skills and your ability to think on your feet,” she explained. “A genuine interest in the business of law and the business of our clients is important as well — if commercial topics don’t spark any joy or excitement in you, then don’t apply to commercial firms.”

Find out more about jose zuniga esntls for the SQE at ULaw

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Capital One

Bank holding company headquartered in McLean, Virginia

Capital One logo.svg
CapitalOneHQ body.jpg

Capital One Tower in Tysons, Virginia

TypePublic

Traded as

IndustryFinancial services
FoundedJuly 21, 1994; 27 years ago (July 21, 1994)
Richmond, Virginia, U.S.
FounderRichard Fairbank, Nigel Morris
HeadquartersCapital One Tower
McLean, Virginia

Areas served

United States, Canada, United Kingdom

Key people

Richard Fairbank
(Chairman, President and CEO)
Stephen S. Crawford
(Head of Finance and Corporate Development)
R. Scott Blackley
(CFO)
ProductsRetail banking, credit cards, loans, savings
RevenueDecreasewww wepay US$26.033 billion (2020)[1]

Operating income

Decrease US$3.203 billion (2020) [1]

Net income

Decrease US$2.714 billion (2020) [1]
Total assetsIncrease US$421.602 billion (2020) [1]
Total equityIncrease US$60.204 billion (2020) [1]

Number of employees

Increase51,985 (2020) [2]
SubsidiariesWikibuy, ShareBuilder, Paribus, United Income, BlueTarp, Adaptive Path, Confyrm, Capital One Securities, Critical Stack, Monsoon Company, Finnoble Solutions, Notch
Capital ratio11.2% (2018)
Websitewww.capitalone.com
Footnotes / references
[3]

Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.[3] It is on the list of largest banks in the United States and has developed a reputation for being a technology-focused bank.

The bank has 755 branches including 30 café style locations[4] and 2,000 ATMs. It is ranked 97th on the Fortune 500,[5] 9th on Fortune's 100 Best Companies to Work For list,[6] and conducts business in the United States, Canada, and the United Kingdom.[3] The company helped pioneer the mass marketing of credit cards in the 1990s.[7] In 2016, it was the 5th largest credit card issuer by purchase volume, after American Express, JPMorgan Chase, Bank of America, and Citigroup.[8]

With a market share of 5%, Capital One is also the second largest auto finance company in the United States, following Ally Financial.[9]

The company's three divisions are credit cards, consumer banking and commercial banking. In the fourth quarter of 2018, 75% of the company's revenues were from credit cards, 14% were from consumer banking, and 11% were from commercial banking.[3] Capital One has consistently ranked as one of the best places to work for, appearing in multiple Glassdoor's Best Places To Work reports.[10] In 2020, Fortune magazine ranked Capital One at number 24 on their Fortune List of the Top 100 Companies to Work For in 2020 based on an employee survey of satisfaction,[11] rising to 9 on the 2021 list.[12]

History[edit]

Richard Fairbank and Nigel Morris founded Capital One in 1988 with the support of Richmond, Virginia-based Signet Bank. Fairbank became the company's CEO on July 27, 1994, after Oakstone Financial was spun off from Signet Financial Corp. Oakstone Financial was later renamed to Capital One in October 1994, and the spin-off capital one spark commercial completed in February 1995. The newly formed credit card company was ranked among the top ten credit card issuers in the United States after signing up more than five million customers. Capital One worked as a monoline, deriving all of its revenues from the credit card business. Even as a monoline, it succeeded in the credit card business due to its use of data collection to target personalized offers directly to consumers.[citation needed]

In 1996, Capital One moved from relying on teaser rates to generate new clients to adopting more innovative techniques that would attract more customers to their business model. At the time, it was losing customers to competitors who offered higher ceilings on loan balances and no-annual-fee accounts. The company came up with co-branded, secured, and joint account credit cards. In mid-1996, Capital One received approval from the federal government to set up Capital One FDB. It meant that the company could now retain and lend out deposits on secured cards and even issue automobile installment loans.[citation needed]

Monoline credit card company (1994–2004)[edit]

Capital One retail footprint as of community financial credit union novi mi July 21, 1994, Richmond, Virginia-based Signet Financial Corp (now part of Wells Fargo) announced the corporate spin-off of its credit card division, OakStone Financial, naming Richard Fairbank as CEO.[13] Signet renamed the subsidiary Capital One in October 1994.[14][15]

At that time, Capital One was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards.[16] This strategy is risky in that it can lead to losses during bad times.[16] Capital One attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers.[17]

Capital One began operations in Canada in 1996.

Expansion into auto loans (1996–present)[edit]

In 1996, Capital One expanded its business operations to the United Kingdom and Canada. This gave the company access to a large international market for its credit cards. An article appearing in the "Chief Executive" in 1997 noted that the company held $12.6 billion in credit card receivables and served more than nine million customers. The company was listed in the Standard & Poor's 500, and its stock price hit the $100 mark for the first time in 1998.[citation needed]

Throughout its history, Capital One has focused on making acquisitions of monolines in various related sectors. In 2005, the company acquired Louisiana-based Hibernia National Bank for $4.9 billion in cash and stock. It also acquired New York-based North Fork Bank for $13.2 billion in 2006. The acquisition of smaller banks reduced its dependency on the credit business alone. Other companies acquired by Capital One include Netspend for $700 million in 2007, Chevy Chase Bank for $520 in 2009, Capital one spark commercial Direction division for $9 billion in 2011, and General Electric's Healthcare Financial Services Unit for $9 billion in 2015.[citation needed]

During the subprime financial crisis of 2008, Capital One received $3.56 billion in investments from the US Treasury courtesy of the Troubled Asset Relief Program in 2008. The company was forced to close its mortgage division, GreenPoint Mortgage, due to the losses incurred by investors. It paid back $3.67 billion to the US Treasury for the repurchase of the company stock.[citation needed]

CapitalOne Café in Chicago

In July 1998, Capital One acquired auto financing company Summit Acceptance Corporation.[18]

In 1999, Capital One was looking to expand beyond credit cards. CEO Richard Fairbank announced moves to use Capital One's experience with collecting consumer data to offer loans, insurance, and phone service.[19][20]

In October 2001, PeopleFirst Finance LLC was acquired capital one spark commercial Capital One.[21]

The companies were combined and re-branded as Capital One Auto Finance Corporation in 2003.[22]

In late 2002, Capital One and the United States Postal Service proposed a negotiated services agreement (NSA) for bulk discounts in mailing services.[23] The resulting three-year agreement[24] was extended in 2006.[25] In June 2008, however, Capital One filed a complaint[26] with the USPS regarding the terms of the next agreement,[27] citing the terms of the NSA of Capital One's competitor, Bank of America. Capital One subsequently withdrew its complaint to the Postal Regulatory Commission following a settlement with the USPS.[28]

Onyx Acceptance Corporation was acquired by Capital One in January 2005.[29]

Expansion into retail banking (2005–present)[edit]

While many other monolines were acquired by larger, diverse banks, Capital One expanded into retail banking with a focus on subprime customers.

Capital One acquired New Orleans, Louisiana-based Hibernia National Bank for $4.9 billion in cash and stock in 2005[30] and acquired Melville, New York-based North Fork Bank for $13.2 billion in cash and stock in 2006,[31] which reduced its dependency on credit cards from 90% to 55%.[32]

In 2007, Capital One acquired NetSpend, a marketer of prepaid debit cards, for $700 million.[33]

During the 2007 subprime mortgage financial crisis, Capital One closed its mortgage platform, GreenPoint Mortgage, due in part to investor pressures.[34][35][36]

In 2008, Capital One received an investment of $3.56 billion from the United States Treasury as a result of the Troubled Asset Relief Program.[37][38] On June 17, 2009, Capital One completed the repurchase of the stock the company issued to the U.S. Treasury paying a total of $3.67 billion, resulting in a profit of over $100 million to the U.S. Treasury.[39]

The U.S. Securities and Exchange Commission criticized Capital One's conduct during the crisis, claiming that they understated auto loan losses during the financial crisis of 2007–2008. In 2013, Capital One paid $3.5 million to settle the case, but was not required to directly address the allegations of wrongdoing.[40]

In February 2009, Capital One acquired Chevy Chase Bank for $520 million in cash and stock.[41][42][43][44]

In January 2011, Capital One acquired Canada-based Hudson's Bay Company's private credit card portfolio from Synchrony Financial, then known as GE Financial.[45]

In June 2011, ING Group announced the sale of its ING Direct division to Capital One for $9 billion in cash and stock.[46] On August 26, 2011, the Federal Reserve Board of Governors announced it would hold public hearings on the Capital One acquisition of ING Direct, and extend to October 12, 2011, the public comment period that had been scheduled to end August 22.[47] The move came amidst rising scrutiny of the deal on systemic risk, or "Too-Big-to-Fail," performance under the Community Reinvestment Act, and pending legal challenges. A coalition of national civil rights and consumer groups, led by the National Community Reinvestment Coalition, were joined by Rep. Barney Frank to challenge immediate approval of the deal. The groups argued that the acquisition was a test of the Dodd-Frank Wall Street Reform and Consumer Protection Act, under which systemically risky firms must demonstrate a public benefit that outweighs new risk before they are allowed to grow. Kansas City Federal Reserve Bank capital one spark commercial Thomas Hdfc netbanking netsafe login. Hoenig was also skeptical of the deal.[48][49] In February 2012, the acquisition was approved by regulators and Capital One completed its acquisition of ING Direct.[50] Capital One received permission to merge ING into its business in October 2012,[51] and rebranded ING Direct as Capital One 360 in November 2012.[52]

In April 2011, Capital One signed a deal with Auto ally to handle Kohl's private label credit card program that was previous serviced by Chase Bank for a seven-year period for an undisclosed amount.[53] The contract between the two companies was extended in May 2014.[54]

In August 2011, Capital One reached a deal with HSBC to acquire its U.S. credit card operations.[55] Capital One paid $31.3 billion in exchange for $28.2 billion in loans and $600 million in other assets. The acquisition was completed in May 2012.[56] The acquisition also included private issued credit cards for such companies as Saks Fifth Avenue, Neiman Marcus, and Lord & Taylor that were previously handled by HSBC.[57]

On February 26, 2012, along with several other banks, Capital One announced support for the Isis Mobile Wallet payment system.[58] However, in September 2013, Capital One dropped support for the venture.[59]

In 2012, Capital One closed 41 branch locations.[60]

In 2015, Capital One closed several branch locations to leave 174 operating branches in the D.C. metro area.[61]

On February 19, 2014, Capital One became a 25% owner in ClearXchange, a Peer-to-peer transaction money transfer service designed to make electronic funds transfers to customers within the same bank and other financial institutions via mobile phone number or email address.[62] ClearXchange was sold to Early Warning in 2016.[63]

In Capital one spark commercial 2015, Capital One acquired Level Money, a budgeting app for consumers.[64]

On July 8, 2015, the company acquired Monsoon, a design studio, development shop, marketing house and strategic consultancy.[65]

In 2015, Capital One acquired General Electric's Healthcare Financial Services unit, which included $8.5 billion in loans made to businesses in the healthcare industry, for $9 billion.[66]

In October 2016, Capital One acquired Paribus, a price tracking service, for an undisclosed amount.[67][68]

In July 2019, Capital One signed a deal with Walmart to handle Walmart's private label and co-branded credit card programs that was previously serviced by Synchrony Financial.[69]

In November 2021, the company introduced Venture X, a travel rewards credit card, with a $395 annual fee.[70]

Exit from mortgage banking (2006–2007 and 2011–2017)[edit]

In November 2017, President of Financial Services Sanjiv Yajnik announced that the mortgage market was too competitive in the low rate environment to make money in the business.[71] The company exited the mortgage origination business on November 7, 2017, laying off 1,100 employees.[72] This was the second closure; the first occurred on August 20, 2007, when GreenPoint Mortgage unit was closed.[73] GreenPoint had been acquired December 2006 when Capital One paid $13.2 billion to North Fork Bancorp Inc. The re-emergence into the mortgage industry came in 2011 with the purchase of online bank ING Direct USA.[74]

Other acquisitions[edit]

In May 2018, the company acquired Confyrm, a digital identity and unify financial credit union irvine ca alert service.[75][76][77]

In November 2018, Capital One acquired Wikibuy, a shopping comparison app and browser extension from an Austin, Texas start-up business; Wikibuy has no connection with Wikipedia/Wikimedia.[78]

Divisions[edit]

Capital One operates 3 divisions as follows:[3]

  • Credit cards – Capital One issues credit cards in the United States, Canada, and the United Kingdom and is the 3rd largest credit card issuer, after JPMorgan Chase and Citigroup. As of December 31, 2018, Capital One had $107.350 billion in credit card loans outstanding in the United States and $9.011 billion of credit card loans outstanding in Canada and the United Kingdom, with credit cards representing 47.3% of total loans outstanding.[3]
  • Consumer banking – offers banking services, including checking accounts, saving accounts, and money market accounts via its branches and direct bank as well as retail and auto loans. As of December 31, 2018, the company had $2.864 billion in retail loans outstanding and $56.341 billion in car finance loans outstanding, representing 22.9% of total loans outstanding.[3]
  • Commercial banking – As of December 31, 2018, Capital One had $70.333 billion in loans outstanding secured by commercial, multifamily, and industrial properties, representing 28.6% of total loans outstanding.[3]

Sports marketing[edit]

Since 2001, Capital One has been the principal sponsor of the college football Florida Citrus Bowl, which has been called the Capital One Bowl since 2003.[79] It sponsors a mascot challenge every year, announcing the winner on the day of the Capital One Bowl. The name of the stadium was changed in 2014 to the Orlando Citrus Why is butter coffee good for you and was then changed again to Camping World Stadium in 2016, following a multi-year naming rights sponsorship with Camping World.[80]

Capital One is one of the top three sponsors of the NCAA, paying an estimated $35 million annually in exchange for advertising and access to consumer data.[81][82] Capital One also sponsored the EFL Cup, an English Soccer Competition, from 2012 to 2016. The company sponsored Sheffield United F.C. from 2006 to 2008. In 2017, the company became the sponsor of the Capital One Arena in Washington D.C.[83][84]

In 2018, to celebrate the Washington Capitals' second-ever Stanley Cup Finals appearance, the firm temporarily changed its logo by replacing the word "Capital" with the Capitals' titular logo, without the "s" plural.[85][86]

Corporate citizenship[edit]

Capital One operates some charitable programs. The accountability organization National Committee for Responsive Philanthropy has been highly critical of Capital One's relatively low rate of giving, stating that "Capital One's philanthropic track record is dismal".[87] The organization pointed out that Capital One's donations of 0.024% of revenue were much less than the industry median of 0.11% of revenue.[87] Capital One has disputed the groups figures, saying that ". In 2011 alone, our giving totals are more than 6 times greater ($30 million) than the number given by the NCRP".[88]

Criticism and legal actions[edit]

[edit]

In July 2012, Capital One was fined by the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau for misleading millions of its customers, such as paying extra for payment protection or credit monitoring when they took out a card.[89] The company agreed to pay $210 million to settle the legal action and to refund two million customers.[90] This was the CFPB's first public enforcement action.[91]

Automated dialing to customers' phones[edit]

In August 2014, Capital One and three collection agencies entered into an agreement to pay $75.5 million to end a consolidated class action lawsuit pending in the United States District Court for the Northern District of Illinois alleging that the companies used an automated dialer to call customers' cellphones without consent, which is a violation of the Telephone Consumer Protection Act of 1991.[92] It is notable that this legal action involved informational telephone calls, which are not subject to the "prior express written consent" requirements which have been in place for telemarketing calls since October 2013.[93]

2014 amendment to terms of use to allow personal visits[edit]

In 2014, Capital One amended its terms of use to allow it to "contact you in any manner we choose", including a "personal visit. . at your home and at your place of employment." It also asserted its right to "modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose."[94] The company stated that it would not actually make personal visits to customers except "As a last resort. if it becomes necessary to repossess [a] sports vehicle".[94] Capital One also attributed its assertion of a right to "spoof" as necessary because "sometimes the number is 'displayed differently' by 'some local phone exchanges,' something that is 'beyond our control'".[95]

July 2019 security breach[edit]

Capital One publicly acknowledged on July 29, 2019, that they had found unauthorized access had occurred ten days earlier by an individual who had breached the account and identity security of 106 million people in the United States and Canada.[96] The FBI arrested Paige Thompson, who had previously worked as a software engineer for Amazon Web Services, Capital One's cloud hosting company. Capital One declared that Thompson had accessed about 140,000 Social Security numbers, a million Canadian social insurance numbers; 80,000 bank account numbers, and an unknown number of names and addresses of customers. Capital One began offering free credit monitoring services to those affected by the breach.[97][98]

Thompson's employment at Amazon appears to have ended in September 2016. Amazon stated that the security vulnerability she used to access Capital One could have been discovered by anyone, the information that facilitated her activity was not gained from work at Amazon, and that she gained access via "a misconfiguration of the (Capital One-designed) web application and not the underlying (Amazon-designed) cloud-based infrastructure".[99]

Details of the breach[edit]

Forensic analysis[vague] determined Thompson's actual hacking activity occurred in March 2019, then she posted the information to different outlets over the next three months. In April she posted what came to be known[by whom?] as the "April 21 Files", a trove of leaked data along with instructions on how to access the company's credentials for more data extraction. In July a white-hat alerted Capital One to Thompson's hacking activity. Thompson pleaded not guilty to charges of wire fraud and computer fraud and abuse. During the investigations and subsequent data freeze, millions of Capital One accounts were locked; their owners were unable to process financial transactions, meet payments, or gain access to their financial records.[100]

Capital One Response[edit]

Critics lambasted the bank's effort to downplay the hack while investigations were ongoing, and described the bank as more concerned about its image than the needs of its clients. Several Capital One customers stated that the first time they heard about the hack was through the media and the bank did not disclose the breach or explain its implications to affected customers.[101] On social media and in the mainstream press, Capital One's contradictory July 2019 press statement was mocked[102][103] for saying "No bank account numbers or Social Security numbers were compromised," but then listing hundreds of thousands of bank account numbers and social security numbers that were compromised.

Federal Reserve Action[edit]

On August 6, 2020, the Federal Reserve Board of Governors announced a cease and desist order against Capital One resulting from the breach.[104] The order mandated, among other things, significant improvements in Capital One's governance, risk management and compliance (GRC) practices.

Lawsuits[edit]

Lawsuits were filed against Capital One and its employees in federal[105] and circuit courts.[106]

Additional Lawsuits were filed against both Amazon and GitHub, alleging they were aware of the exploit but did not act to fix or patch the vulnerability[107]

Government investigations[edit]

Relative to other large banks, Capital One has received fewer sanctions or default judgments against it.[citation needed] But some[who?] allude this is a result of its close proximity to Washington, D.C. and possible relations with federal regulators.[citation needed] In 2015 the bank disclosed that it was under federal investigation for bank fraud, money laundering, and possible racketeering charges. No further information was given and government investigators would only confirm that it was under scrutiny for "unspecified charges".[108]

In 2018, Capital One was fined $100 million for failure to monitor, detect, and prevent money laundering.[109] Charging documents[110] specified Capital One failed to file suspicious activity reports, had deficiencies in its risk assessment, remote deposit capture and generally had weaknesses that compromised national bank security controls. The bank was the subject of a larger investigation that alleged funds were siphoned out of US jurisdiction to safe havens.

In January 2021 Capital one was fined $390 million by FINCEN for anti-money laundering control failure for a now-defunct, small portfolio of check-cashing businesses that Capital One acquired around 2008 which subsequently exited from in 2014. Capital One later admitted that it failed to file thousands of suspicious activity reports and lapsed on filing currency transaction reports on around 50,000 reportable cash transactions valued around $16 billion.[111][112]

Notable office buildings[edit]

References[edit]

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  2. ^"Capital One Financial: Number of Employees 2006-2021 | COF".
  3. ^ abcdefgh"IR Overview".
  4. ^"Capital One 360 Café Locations". Capital One.
  5. ^"Fortune 500: Capital One". Fortune.
  6. ^"Capital One: #9th 1st cavalry division fort hood texas 100 Best Companies to Work For in 2021". Fortune.
  7. ^MYERBERG, PAUL (January 1, 2010). "Capital One Bowl: No. 13 Penn State (10-2) vs. No. 12 L.S.U. (9-3)". The New York Times.
  8. ^Comoreanu, Alina (February 10, 2017). "Market Share by Credit Card Issuer". WalletHub.
  9. ^CHARNIGA, JACKIE (October 10, 2018). "Ally Financial leads in Q2 auto loan market share, Experian says". Automotive News.
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  16. ^ abPerez, Saul (March 5, 2015). "Capital One's history: From credit cards to a diversified bank". Market Realist.
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  18. ^"CAPITAL ONE PLANS PURCHASE OF AUTO FINANCING COMPANY". The New York Times. Bloomberg L.P. July 17, 1998.
  19. ^Mcnamee, Mike (November 21, 1999). "Capital One: Isn't There More To Life Than Plastic?". Bloomberg L.P.
  20. ^Pedchenko, Alex (March 10, 2017). "TOP 6 companies using NodeJS in production". Medium.
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    Capital One Spark Business Checking Account Review


    Who is Capital One Spark Business Basic Checking® for?

    The Capital One Spark Business Basic Checking® account is a great fit for small business owners who keep a few thousand dollars in their account and don't want to be bogged down with transaction fees.

    It offers unlimited free transactions, including deposits, withdrawals, and transfers, so businesses who move their money around often don't have to worry about being nickeled-and-dimed.

    Though the bank is primarily online, it does have some branches and allows cash deposits, so it's an option worth considering if you have customers who pay you in cash. However, businesses that receive more than $5,000 in cash payments per month may find more affordable options elsewhere.


    Features of the Capital One Spark Business Basic Checking® account

    Here are some of the standout features of the Capital One Spark Business Basic Checking® account.

    1. Unlimited free transactions

    One of the biggest draws of the Capital One Spark Business Basic Checking® account is that it allows you to make unlimited monthly deposits, withdrawals, and transfers.

    Many other business checking accounts, particularly those at brick-and-mortar banks, restrict your transactions and charge costly fees for exceeding their monthly limits. If your company moves money around frequently, there's no overstating the value of this Capital One business bank account.

    2. Affordable cash deposits

    Capital One allows Spark Business Basic Checking® account holders to deposit up to $5,000 in cash per month, which is on par with what many of the best small business checking accounts offer and better than many online business checking accounts, which often don't allow cash deposits.

    If you exceed the $5,000 per month, you'll pay an additional fee of $1 per $1,000 deposited, but this is also pretty reasonable.

    3. Free overdraft protection with a linked account

    This Capital One small business banking account includes free overdraft transfers when you have funds available in a linked small business deposit account.

    Many other business checking accounts allow overdraft transfers but they often charge fees, so it's nice to see Capital One offering this service for free. This isn't a guarantee that you'll avoid all overdraft fees, but it can reduce your odds of paying $35 per transaction.


    How to access your money with the Capital One Spark Business Basic Checking® account

    If you're thinking about opening a Capital One Spark Business Basic Checking® account, here are your options for depositing and withdrawing funds.

    Deposit options

    You can deposit money into your Capital One Spark Business Basic Checking account using any of these methods:

    • Electronic transfer
    • Wire transfer
    • Mailed check
    • Mobile-deposited check
    • Branch deposit
    • ATM deposit

    You can find the nearest Capital One branch or ATM using the locator tool on the company's website or in its mobile app.

    Withdrawal options

    These are your options for withdrawing funds from the Capital One Spark Business Basic Checking® account:


    Advantages to using Capital One for your business checking account

    There are many advantages capital one spark commercial opening a business bank account with Capital One. Here's a look at some of the most important.

    1. Variety of business banking products

    In addition to its business checking accounts, Capital One offers business savings accounts, loans, credit cards, merchant services accounts, and more. This makes it a one-stop-shop for small business owners.

    Capital One also offers commercial accounts for larger companies, so it shouldn't be difficult to find accounts that suit you even as your business grows over time.

    2. Free, user-friendly online account management

    All Capital One business banking accounts include free online and mobile banking with bill pay. Its mobile apps also allow you to remotely deposit checks with no limits on monthly deposits.

    No matter whether you use a computer, tablet, or phone, you should find managing your funds to be pretty straightforward, especially if you're already used to online banking.

    3. Some branch locations

    Capital One is more of a hybrid bank than a true brick-and-mortar institution, but it does have some branches and more informal Capital One Cafes where you can get in-person assistance with your small business banking needs.

    You can locate the nearest branch with the locator tool available on Capital One's website and in its mobile app. Having a branch near you also makes cash deposits a lot more convenient, though you can deposit cash through a Capital One deposit-taking ATM if there isn't a branch near you.


    Drawbacks of using Capital One for your business checking account

    While there are many reasons to consider doing your small business banking with Capital One, there are also a few drawbacks you need to weigh.

    1. Out-of-network ATM fees

    Capital One charges you anywhere from $2 to $5 every time you use an ATM that's not within its network, and that's in addition to the fee the ATM owner might charge you. This could make Capital One a costly choice for businesses that aren't located near a Capital One ATM. However, if you rarely withdraw cash, this may not be a problem.

    2. Above-average minimum deposit

    The Capital One Spark Business Basic Checking® account has a minimum initial deposit that's a little higher than what many of its competitors charge. It won't affect all small business owners, but if you have little cash to spare, you may prefer to go with a bank that doesn't have a minimum deposit requirement for its small business banking customers.

    3. Fees for incoming wire transfers

    Outgoing wire transfer fees are pretty standard in the industry, but incoming wire transfer fees are much less common.

    Capital One is one of the few banks that charge these, and that could make the account costly if you're used to accepting deposits into your account this way. But if wire transfers aren't a part of your day-to-day business, this probably won't bother you.


    Alternative business checking account options from Capital One

    If the Capital One Spark Business Basic Checking® account feels too restrictive for you, consider the Capital One Spark Business Unlimited Checking® account. This account offers unlimited transactions and cash deposits plus a few free wire transfers per month.

    However, its monthly fee is much higher and the requirements to waive that fee are much steeper.


    Is the Capital One Spark Business Basic Checking® account right for you?

    The Capital One Spark Business Basic Checking® account is a flexible account that blends some of the best features of online and brick-and-mortar business checking accounts. It's an option worth considering, but no business checking account is right for every company.

    Before you make up your mind, compare it with some of our other top business checking accounts to see if it's the right fit for your organization.


    Frequently Asked Questions

    What are some of the top perks of the Capital One Spark Business Basic Checking® account?

    The Capital One Spark Business Basic Checking® account offers unlimited monthly deposits, transfers, and withdrawals and it also allows for cash deposits at its branches and select deposit-taking ATMs.

    Who should consider the Capital One Spark Business Basic Checking® account?

    Small business owners who are interested in doing all their business banking in one place and don't want to worry about transaction limits and per-transaction fees should consider opening a Capital One Spark Business Basic Checking® account.

    How can I manage my Capital One Spark Business Basic Checking® account funds?

    The simplest way to manage your Capital One Spark Business Basic Checking® funds is using your Capital One online account or one of the bank's mobile apps. If you live near a Capital One branch or Cafe, you can san jose to cabo flights visit one of these to get in-person support.

    Spark Business Basic Checking Logo.jpg

    With unlimited free transactions and free bill pay, Capital One offers business owners a no-frills checking account experience.

    Visit Capital One

    The Motley Fool has a Disclosure Policy. The Author and/or The Motley Fool may have an interest in companies mentioned.

    Источник: https://www.fool.com/the-blueprint/accounting-finance/business-checking/capital-one-spark-business-checking-account-review/

    The Transition Economy: A unique opportunity for the next generation

    25/11/2021

    "Achieving net-zero emissions will require a whole economy transition - every company, every bank, every insurer and investor will have to adjust their business models". Much recent focus has been on government targets, but these words from former Bank of England governor turned eco-evangelist Mark Carney, remind us that everyone is responsible for delivering a carbon-free future.

    The Transition Economy: A unique opportunity for the next generation

    In simple terms, the ‘transition economy’—a concept popularised by Mr. Carney—refers to the shift from an economy fuelled by fossil fuels to one fuelled by renewables.

    At Springwise and Re_Set, our horizon scanning and client work support Mr. Carney’s belief that this is ‘the greatest commercial opportunity of our time&rsquo. American credit rating giant Moody’s agrees, seeing a $45trn opportunity for those willing to seize the moment.

    Companies pledge their bets

    At COP26, we saw varying levels of corporate commitment to the net-zero transition. Many companies have announced ambitious, yet loosely worded goals, while the leaders have committed to science-based targets.

    This broad acknowledgement of the issue is refreshing. The next generation of businesses will be more purposeful, and they will be the ones to benefit from the transition economy. The opportunity is to bake sustainability into a hard and fast business strategy to drive both growth and resilience.

    Innovation is key

    Added to this, as the pace of change increases, how can pledges be converted into action? We believe that innovation holds the key. At edie's innovation partner Springwise, we see inspiring, ingenious and innovative solutions to this problem every day, and my recent judging experience for the innovation categories at the 2022 edie Sustainable Leadership Forum filled me with confidence. The quality of the submissions was exceptional, leaving me convinced that business is not only part of the solution – it is also beginning to use climate innovation as a differentiator.

    Follow the money

    Finally, it is clear that the amount of investment in climate tech is exploding, with $17bn invested in 2020, and that figure increasing since. When investment visionaries like Larry Fink start talking about it, huge swathes of capital start to shift. Private equity firms, not immediately known for supporting business as a force for good, are spawning funds dedicated to ESG and the green economy – to create value not just impact.

    From my point of view, as Chair of two B Corps, Springwise and Re_Set, I could not be more excited about this stage in my career. At Re_Set, we work with enlightened CEOs and leadership teams to create strategies to capitalise on the transition economy. Sustainability, innovation and digital capability are at the heart of this business transformation. As members of 1% for the Planet and Business for Nature, and a partner to Rewilding Britain, we bring next-generation thinking to some of the biggest global companies who are grappling with the opportunities presented by the transition economy.

    2022 will most certainly see an acceleration in the shift to transition – most welcome to all of us in the edie community.

    James Bidwell is co-founder of Re_Set, a leading next-generation strategy consultancy for innovation and sustainability. He is also Chair of Springwise, the world’s largest source of global innovations. Sign up to the Springwise Sustainable Source newsletter to receive a bi-weekly curation of green innovations, or contact the Re_Set consultancy team to learn how innovation could help accelerate your business.

    James Bidwell, Springwise

    Источник: https://www.edie.net/blog/The-Transition-Economy-A-unique-opportunity-for-the-next-generation/6098985

    Best Capital One credit cards for November 2021

    You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

    Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

    We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

    Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

    Источник: https://www.bankrate.com/finance/credit-cards/capital-one/

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