3
Andrew Young
Chief Financial Officer
2021 – Present
5 years (current)
Key Decisions & Impact
Has stewarded Capital One's fortress balance sheet through shifting macroeconomic cycles, rising Federal Reserve benchmark interest rates, and regulatory Basel III endgame requirements. Structured the financial mechanics of the $35.3 billion all-stock Discover Financial Services transaction.
Legacy
Maintained disciplined capital allocation, superior credit loss provisioning, and sustained return on tangible common equity (ROTCE) above peer banking averages.