Case Study · Capital One · 2016–2018

Built Trust With a Team That Didn't Want Design in the Room

We taped up a rough, incomplete service blueprint outside a room we hadn't been invited into, and flipped a skeptical org into a design partner in three days.

Role
Senior Design Manager, Small Business Lending
Scope
Real estate loan origination, low-touch & high-touch paths
Span
2016–2018
Output
Buy-in, then a full service blueprint
01The Challenge

We had a mandate to map and fix the process, but no sponsor to open the door.

Small business lending touched bankers, underwriters, compliance, and half a dozen back-office systems, and no single document showed how those pieces connected. Every group had its own version of the process. None of them matched.

I had a mandate to map it. What I didn't have was an executive sponsor. The consumer org had already worked with design and trusted it. Small business had not, and nothing I brought into their room on my own authority was going to change that.

An executive summit at HQ that week would set direction for the products we were supposed to build, and design wasn't in the room for it. The room we needed to be in wasn't open to us yet, and a polished proposal delivered from outside it would have read as design telling them their own process better than they knew it.

02The Move

We cobbled together our rough understanding of that world, showed up unannounced, and put it somewhere they would notice.

My team built a skeleton version of the full service blueprint: rough, incomplete, sticky notes and marker on butcher paper. It invited direct feedback in a way a polished deck never could. We rolled it out deliberately in the hallway outside the summit, on the path to the snack room, where the people we needed couldn't avoid walking past it.

People stopped. A banker would see the "Apply" lane and correct a step we'd gotten wrong. An underwriter would add a compliance check we'd missed. Someone from BLA would tag a system dependency nobody on my team knew existed.

A crowd of colleagues gathered in a hallway around the service blueprint taped to the wall, one person reaching up to annotate it with a marker while others watch and point things out.
The hallway, mid-summit. Folks grabbed sticky notes and pens to fix the parts they understood well, learning the context around them even better.
Wide panoramic view of an open office area near the kitchen, showing a team gathered around a table covered in sticky notes, with additional flip charts and working documents posted nearby.
The same energy spilled into the open area by the kitchen. Sticky notes on the windows, flip charts multiplying, more people pulled in than we'd planned for.

The best find came from two people who didn't know each other. One saw a step where the process ended with information getting faxed to a number, and flagged it as something we'd gotten right but nobody could explain. A while later, someone else walked by, saw the same note, and said part of her job was standing at the fax machine on the other end, shredding whatever came through. Nobody had ever told her what it was for. Nobody used it.

Drawing out the experts with critical pieces of the story was the biggest win on this project. They had a voice, they felt seen, and we got the whole story for everyone to rally around.

By day three of the summit, we were in the room.

03What It Surfaced

Two customer journeys ran on one regulatory floor underneath both.

The current state allowed us to build the future state with a realistic end-to-end map showing two journeys: a low-touch digital path for self-serve applicants and a high-touch relationship path for larger commercial deals. We were able to cleanly see and build for the backstage handoffs between banker, underwriter, and BLA, and the full regulatory backbone running underneath both, ECOA, Reg B, HMDA, KYC/AML, SOX, fair lending, appraisal policy.

Cropped service blueprint diagram showing the low-touch digital Learn and Find swimlane, with color-coded rows for customer action, touchpoint, associate action, policy, and system.
The low-touch digital lane of the finished blueprint. Every touchpoint sits directly above the policy and system rows it depends on.

That structure mattered more than either journey on its own. The compliance requirements didn't live off to the side in a document design consulted occasionally, they sat inside the same document everyone else used. They were load-bearing. Every touchpoint in both journeys had to clear the same regulatory bar, whether the customer arrived through a self-serve form or through a banker who'd already pulled their financials.

04The Outcome

We could see two distinct journeys because of how we built the map.

The digital path and the relationship path weren't the same experience wearing different UI, and we only saw that clearly because the map was public enough for the right people to keep correcting it in place. What follows is what that process surfaced: two customer journeys that earned trust in completely different ways, mapped in enough detail to build from.

Low-touch digital
Touchpoint
Self-serve web flow. Pre-qualified offer, guided comparison, chat support.
Associate action
Minimal. A banker or chat bot follows up only if the customer stalls or asks.
Backstage
System auto-decisions where possible. Underwriter engages once the application is complete.
What earns trust
Transparency and friction reduction. The customer sees what's asked, and why, at every step.
High-touch relationship
Touchpoint
In person, through an existing banker relationship. A personalized kit, walked through face to face.
Associate action
The banker builds a profile in advance, connects the customer to a peer mentor, carries the relationship personally.
Backstage
The banker hands off directly to a named underwriter and processor before the first meeting ends.
What earns trust
The banker's judgment and existing rapport. The interface recedes; the relationship carries the weight.
Regulatory backbone, constant across both paths
ECOA · Reg B · HMDA · KYC/AML · SOX · Fair Lending · Appraisal Policy
Every touchpoint in both journeys clears the same regulatory bar, whether the customer arrives through a form or through a banker.
Two legitimately different trust models, built on one shared compliance floor.
05Hindsight

You earn a skeptical org's trust by inviting them to correct you.

What I'd do differently

Sometimes a small amount of showmanship goes a long way. This worked well, but I would do this bigger and sooner next time.

A lesson

A group that doesn't trust design yet won't be won over by a pitch, but they'll happily correct your mistakes in a hallway. It's a messy, fun way to get to know your partners, and it gets them genuinely invested in the work before they've even agreed to trust you. By the time the summit ended, they'd built part of it themselves.

What this proved

I still use this when I need buy-in from a group that doesn't yet trust design. Build something clearly unfinished, put it where the skeptics already are, and let their expertise fill the gaps. People defend what they helped build, even when they didn't ask to build it.

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