Monique Shivanandan is CTO of Capital One Financial Corporation, responsible for establishing and leading the company’s technical vision and development.  She also plays an integral role in the company’s strategic direction, development, and future growth.  Ms. Shivanandan provides oversight for Capital One’s enterprise architecture strategy, data and analytics strategies and technologies, technology innovation agenda, digital technology strategy, and infrastructural and corporate systems development.  She also leads the company’s information security and IT risk, process and compliance activities.  Before joining Capital One in 2010, Ms. Shivanandan was Managing Director and CIO for British Telecommunications’ retail division.  She led efforts to transform the company’s systems to achieve shared platforms and services using the latest technologies, while leveraging managed services from the world’s leading suppliers.  Prior to British Telecommunications in 2006, Ms. Shivanandan was an executive at Bellsouth Corporation, with roles including CSO and VP for IT Strategy, CIO for the Consumer Organization, and Assistant VP for Sales and Ordering Systems.  Ms. Shivanandan started her career at American Management Systems (AMS).