What Capital One Philippines does

Capital One Philippines Support Services Corp. (COPSSC), operating under the trade name Capital One Philippines, is a wholly-owned captive services subsidiary of Capital One Financial Corp (NYSE: COF), founded in 2013 and headquartered in the Northgate Cyberzone, Alabang, Muntinlupa City, Metro Manila. The entity functions as a global in-house business process outsourcing arm supporting the parent's US and Canada Card, Commercial Bank, and Retail Bank businesses, delivering customer service, fraud and dispute management, KYC/AML compliance, data analytics, HR, finance, technology and cybersecurity operations exclusively to Capital One.

The company does not sell external products or services; its 'product' is the internal operational delivery of financial-services back-office and contact-center capabilities to its parent. Its operating technology stack spans customer-service platforms, data analytics and reporting tools, process management systems, and cybersecurity tooling aligned to US financial-services regulatory requirements (including Data Privacy Act of 2012 compliance registered with the National Privacy Commission). The business employs a 'radical hybrid' work model and operates an in-house training infrastructure via the Contact Center Readiness Program (CCRP) in partnership with Tuloy Foundation.

The business model is a single-client captive services arrangement under a parent-subsidiary cost-recovery structure; pricing is not publicly disclosed and there are no external customers or distribution channels. Revenue, headcount, and contract economics are consolidated into Capital One Financial Corp's segment reporting rather than reported standalone. Operating geography spans the Philippines as the delivery site, with services consumed in the United States and Canada.

Name

Capital One Philippines

Legal name

Capital One Philippines Support Services Corp.

Website

https://capitalonecareers.com.ph

Company type

Private

Founded year

2013

Operating status

Operating

Short description

Capital One Philippines Support Services Corp. (COPSSC) is a wholly-owned captive services subsidiary of Capital One Financial Corp, founded in 2013 in Muntinlupa City, Philippines, delivering customer service, fraud, KYC, data analytics, HR, finance, technology and cybersecurity operations exclusively to Capital One's US and Canada Card, Commercial Bank, and Retail Bank businesses.

Ownership category

akta.pro rank

Product category

Captive Business Process Outsourcing Services

NAICS

Offices of Bank Holding Companies (551111)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Captive/Global In-House Center (GIC) Setup & Managed Services (BPAEAMAK)

akta.pro secondary industries

Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA), Financial Planning & Analysis Support (Budgeting, Forecasting, Management Reporting) (BPAAAGAJ), Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD)

Keywords

• Captive business process outsourcing
• Contact center services
• Customer service operations
• Back-office support services
• Financial services operations

Headquarters

HQ city

Muntinlupa City

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Captive Services Revenue: Capital One Philippines generates revenue as a captive services center providing operational support to its parent company Capital One Financial Corp. The company handles various business functions including customer service for credit card and banking operations, supporting the US and Canada Card, Commercial Bank and Retail Bank businesses.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Capital One Philippines operates as a captive business process outsourcing (BPO) center providing operational support to its parent company Capital One Financial Corp. The entity delivers customer service, fraud and dispute resolution, KYC and AML compliance, data analytics, HR operations, finance and risk support, and cybersecurity services for Capital One's US and Canada Card, Commercial Bank, and Retail Bank business segments. All services are delivered internally to the parent; no external commercial customers are served.

Product overview

Capital One Philippines operates as a single unified captive services offering rather than a platform-plus-modules architecture. The company provides BPO/outsourcing services exclusively to its parent company, Capital One Financial Corp, supporting three primary business segments: US and Canada Card, Commercial Bank, and Retail Bank. Services span operations (customer service, AML, KYC, fraud, disputes), functional roles (data analysis, HR, finance, risk, compliance, cyber security), and specialized capabilities in emerging technology enablement. There are no externally-facing commercial products—all services are internal captive operations for the parent financial institution.

Differentiator

Problem solved

Functional benefit

Products and services

• Capital One Philippines Support Services Captive business process outsourcing (BPO) operation of Capital One Philippines Support Services Corp. (COPSSC) delivering customer service, fraud and dispute resolution, KYC and AML compliance, data analytics, HR, finance, risk, technology, and cybersecurity support exclusively to Capital One Financial Corp's US and Canada Card, Commercial Bank, and Retail Bank segments.

Quantifiable outcome

• Achieved Great Place To Work certification for three consecutive years (2023-2026)
• +4 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and established.

• Planet Water FoundationcoreStrategic or Co-development Partner · 9 October 2024Multi-year partnership providing clean water access to underserved communities through installation of water filtration towers. Capital One Philippines has deployed 100+ water towers across the Philippines including schools in Batangas, Muntinlupa, Pampanga, Laguna, Tondo, Quezon, Cavite, Baguio, Cebu, and Leyte. The partnership also includes disaster response through AquaBlock emergency water filtration systems for areas affected by natural calamities.
• Rise Against HungercoreStrategic or Co-development Partner · 1 January 2024Partnership for meal donations to address food insecurity. In 2024, Capital One Philippines donated over 416,000 meals through this partnership. The collaboration supports vulnerable communities by providing nutritious meals and essential items.
• Philippine Red CrossestablishedStrategic or Co-development Partner · 1 January 2014Long-term partnership established in 2014 to respond to various community needs. As of December 2020, Capital One has gathered 17,434 items from donation drives distributed to partner communities through Red Cross coordination.
• Tuloy FoundationcoreStrategic or Co-development PartnerPartnership for the Contact Center Readiness Program (CCRP), a flagship community education initiative. CCRP provides nine-month training (5 months classroom + 4 months OJT) for underprivileged youth to prepare them for IT-BPM industry careers. Over 10 years, the program has produced 154+ graduates with 98-99% employment rate in IT-BPM companies.
• SOS Children's VillagesestablishedStrategic or Co-development PartnerPartnership providing support to children in need through the Capital One house with 17 beneficiaries. The collaboration supports the education and care of orphaned, abandoned, or homeless children.
• American Chamber of Commerce Philippines (AMCHAM)establishedStrategic or Co-development PartnerSara Murphy, President of Capital One Philippines, serves as President of the Board for AMCHAM Philippines. Capital One Philippines participates in AMCHAM events including Presidential Trade and Investment Missions and the Arangkada Philippines Forum.
• Great Place To Work InstitutecoreOthersAnnual workplace culture assessment and certification program. Capital One Philippines has achieved Great Place To Work certification for three consecutive years (2023-2026) and has been recognized in multiple Best Workplaces rankings.
• IBPAP (IT and Business Process Association of the Philippines)establishedStrategic or Co-development PartnerIndustry association partnership. Capital One Philippines participates in IBPAP initiatives including the Solaia Awards. The company has been recognized at multiple Solaia Awards events for workplace culture in the IT-BPM industry.

Scale indicators9 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Wells Fargo Philippines: Captive operations center of Wells Fargo in the Philippines providing customer service, operations, and back-office support for US retail and commercial banking. Directly comparable captive bank BPO model in the same country.
• Teleperformance: Global BPO leader with substantial Philippines delivery serving banking and financial-services clients. Comparable as a major multi-client BPO operating in the same geography for similar banking customers.
• American Express Philippines: American Express's captive Philippines site supporting cardmember services, fraud, and back-office operations. Comparable as a US card-issuer captive BPO in the Philippines with overlapping card-customer-service scope.
• Concentrix: Global BPO/CCaaS leader with large Philippines operations supporting banking, card, and fintech clients. Comparable as a Philippines-headquartered BPO serving the same financial-services customer service and operations needs.
• Conduent: Major BPO operator with significant Philippines presence serving US banking and financial-services clients. Comparable as a Philippines-based BPO providing banking operations, customer service, and transaction processing.
• JPMorgan Chase Philippines: Captive Global In-House Center of JPMorgan Chase in the Philippines supporting US banking, card, and operations functions. Most directly comparable as a US-bank-owned captive BPO in the same geography serving the same end-customer base.
• HSBC Philippines: HSBC's captive Philippines operations supporting global banking and markets functions. Comparable as a major international bank's captive service center in the Philippines.
• Citibank Philippines: Citigroup's captive operations hub in the Philippines supporting consumer banking and institutional functions. Comparable as a US-headquartered bank's captive service center for retail/commercial operations.

Broad incumbents

• Accenture Philippines: Accenture's Philippines delivery organization serving banking, technology, and operations clients. Comparable as a broader services incumbent providing technology and operations support to financial-services clients in the Philippines.
• Genpact: Large global professional services and BPO firm with deep financial-services operations and analytics capabilities. Comparable as a broader incumbent providing finance, risk, and operations services to banks.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/capital-one-philippines

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital One Philippines