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Al Ciafre has an extensive work experience in the financial industry. Al is currently serving as the Chief Financial Officer at American Credit Acceptance since 2022. Prior to this, they worked at Capital One for several years in various roles. From 2016 to 2022, they were the Head of Regulatory Relations, where they were responsible for managing the company's federal banking regulatory relationships and advising senior executives on regulatory strategy. From 2013 to 2015, they served as the COO and Managing Vice President of Corporate Treasury, leading operations and risk management. Earlier, from 2007 to 2012, they held multiple positions in the Corporate Treasury division, including Managing Vice President and CFO, where they led balance sheet planning and risk management. Before joining Capital One, they worked at Eurasia Foundation/Institute for Soviet American Relations as a Senior Program Officer. Al Ciafre's expertise lies in regulatory relations, risk management, finance, and corporate treasury.

Al Ciafre has an MBA in Finance and Strategy from the University of Maryland - Robert H. Smith School of Business. Al also holds an MPIA degree in International Affairs and Russian from the University of Pittsburgh. Additionally, they earned a BA in Political Science from the University of Pittsburgh. Al Ciafre further received a Capital One Leadership Development Program from the University of Virginia Darden School of Business. The specific start and end years for each degree are not provided.