Capital One

From $45K to $10: Instant Risk Analysis

How TextQL transforms Capital One's critical decision-making from 3-week investigations to 5-minute breakthroughs

What can Deep Research Agents do for you? Imagine this scenario...

🚨 The $50M Crisis

"Loss ratio in TX auto-loans spiked 15% MoM. Need root cause analysis by Friday's board meeting."

Current Reality

3 Weeks

$45,000

5 team members

Week 1: Beg for data access
Week 2: Manual analysis
Week 3: PowerPoint panic

Risk: Miss board deadline

What if you could just ask?

"Why did loss ratio in TX auto-loans spike 15% MoM in May?"

5 Minutes

later...

📊 Texas Auto Loan Risk Spike Analysis

Generated: May 29, 2025 at 9:30 AM | Confidence: 94%

Executive Summary

Loss ratio increase concentrated in 3 counties (Harris, Dallas, Tarrant) due to new subprime dealer partnerships initiated in April 2025. Projected Q3 impact: $12M additional losses if unchanged.

$12M

Projected Q3 Impact

Problem Counties

78%

Subprime Correlation

Loss Ratios by County (May 2025)

2.1%Austin

4.8%Harris

4.5%Dallas

4.2%Tarrant

1.8%Travis

Red bars indicate problem counties with new dealer partnerships

Dealer Partnership Impact

78% correlation with new partnerships

Risk Trend (6 Months)

Accelerating since April 2025

Immediate Recommendations

1. Temporary APR adjustment (+150 bps) for identified dealer channels
2. Enhanced credit counseling outreach to at-risk borrowers
3. Dealer agreement review with revised underwriting standards

Total Cost: $10 (automated analysis)
Result: Comprehensive analysis with specific actions
Impact: Immediate board presentation ready

The Transformation Impact

Time to Answer

3 weeks

→

5 minutes

Team Required

5 people

→

1 person

Analysis Depth

County-level

→

2,000+ segments

Cost per Analysis

$45,000

→

$10

Confidence Level

Medium

→

94%

Business Impact

Reactive

→

$4M Loss Prevention

Capital One's Critical Data Challenges

Complex infrastructure facing urgent decision-making demands

Manual Risk Analysis at Scale

Capital One monitors thousands of metrics across credit risk, fraud, and portfolio performance. Traditional analysis can't keep pace with executive urgency.

Key Impact: $45K per analysis, 3-week delays on critical decisions

Cross-System Data Integration

Risk data lives across core banking, CRM, fraud detection, and external bureaus. Data scientists spend 70% of time on preparation.

Key Impact: 2-3 weeks lost to data preparation on urgent investigations

Regulatory Compliance Pressure

CCAR, DFAST, and stress testing require sophisticated analysis with audit trails. Manual processes struggle with documentation.

Key Impact: $2M+ annual compliance overhead, regulatory risk

TextQL's Three-Layer Architecture

Purpose-built for Capital One's complex risk analysis needs

🧠 Ontology Layer

Maps technical data structures to business concepts, enabling unified risk terminology across all Capital One systems.

Key Benefits:

Unified risk terminology
Cross-database analytics
Business-friendly data access

⚡ Compute Layer

Delivers computational power for processing massive transaction volumes securely with optimized performance.

Key Benefits:

Arrow-native efficiency
Secure container isolation
Complex join optimization

🤖 Dakota Agent Framework

Enables intelligent automation while maintaining controls and transparency for regulated banking environments.

Key Benefits:

Auditable execution paths
Regulatory compliance
On-premise deployment

Five High-Value Use Cases

Targeted applications with powerful ROI for Capital One

🔍 Credit Risk Modeling

By state, metro, ZIP-3, customer segment with early warning on delinquency spikes

📊 Loss Ratio Analysis

Auto-loan vs. credit-card vs. mortgage with drill-downs by vintage and channel

💰 Marketing ROI (ROAS)

Campaign × channel × geography with real-time budget re-allocation

🛡️ Fraud & AML Detection

Unusual transaction patterns by cohort and suspicious device clusters

👥 Customer Retention

Attrition drivers by product, tenure, risk score with next-best-offer forecasting

Credit Risk Modeling

Current Timeline

2-4 weeks

With TextQL

Hours

Impact: 90% reduction in analysis time

ROI: Enhanced detection rate by 300%, early warning prevents $50M+ annual losses

Quantifiable P&L Impact

TextQL delivers compelling financial returns for Capital One

Annual Financial Impact

$10.8M

Current Analysis Cost

240 analyses × $45K

$2,400

Future Analysis Cost

240 analyses × $10

$50M+

Risk Prevention Value

Early intervention

4,500x

ROI in Year One

Enterprise-Ready Security & Compliance

Built to meet Capital One's stringent security requirements

🔒 Banking-Grade Security

SOC 2 Type II compliance

Comprehensive verification of security controls

On-premise deployment

Complete data sovereignty for sensitive financial data

Container-based isolation

Secure execution environments for every analysis

⚖️ Regulatory Compliance

CCAR/DFAST alignment

Automated stress testing and documentation

Complete audit trails

Every analysis step documented and traceable

Role-based access control

Fine-grained permissions with regulatory oversight

Implementation Roadmap

Proven path to transformational ROI

Foundation

Months 1-3

Deploy proof-of-value on Texas risk scenario
Map critical data sources and ontology
Establish KPI measurement framework
Train initial risk analysis team

Expansion

Months 4-6

Extend to all 5 high-value use cases
Integrate with existing BI tools
Scale to regional risk teams
Document initial ROI metrics

Enterprise Scale

Months 7-12

Roll out to all business units
Implement automated monitoring
Develop Capital One custom capabilities
Achieve full 4,500x ROI

Meet Us at Snowflake Summit 2025

Join us for an exclusive executive demo session to see the Texas risk scenario in action with live data.

🏔️ Snowflake Summit Executive Demo

When:

June 3-6, 2025

Where:

San Francisco, CA

Demo Duration:

30-minute executive briefing

What You'll See:

Live $4M+ impact demonstration

Can't make it to Summit? Contact us directly at ethan@textql.com | (212) 555-1234
Or schedule a virtual demo at your convenience