Risk Manager - Payment Risk Advisory & Business Enablement (Hybrid)

Risk Manager - Payment Risk Advisory & Business Enablement (Hybrid)

The Enterprise Payments Governance and Oversight team is seeking a dynamic Manager who will play a pivotal role defining and implementing the future of payments governance and risk management to provide stronger oversight across the enterprise.  The Enterprise Payments Governance and Oversight team sits within the  Enterprise Payments organization in the Retail Bank.  The team is responsible for the governance and oversight of end-to-end core payments functions for all payment types across the enterprise, including monitoring.  In this role, you will be at the forefront of payments, working across Lines of Businesses to consult and provide solutions on how they can remediate some of the biggest payments-related challenges while enabling business objectives.  

In this exciting role, you will work closely with key stakeholders across the company to ensure we have a dynamic and well-managed payments ecosystem.  This role critically works with colleagues in 2nd line Compliance, First line Risk Offices and lines of businesses to define the risk levels, procedures and structure matches best in practice governance frameworks.  You will work with smart, talented people who will challenge you to excel.

The Role:

As a Manager of Enterprise Payments Governance Advisory, you will 

serves as the connective tissue across product, technology, operations, and risk management partners to ensure end-to-end payment lifecycles operate safely, securely, and resiliently.  

 By leveraging deep expertise in global payment rails and a visionary understanding of emerging regulatory requirements, you will ensure our governance framework not only protects the enterprise but also serves as a catalyst for innovation in a rapidly changing payments ecosystem.

General Responsibilities:

• Act as a Trusted Advisor by partnering with stakeholders across Line of Businesses, Operations, Product, Technology and Risk Offices to advise on integrating payment risk management across new products, use cases, and critical initiatives.  Rather than simply enforcing compliance, you will act as a trusted advisor—translating complex risk expectations into practical, business-relevant guardrails that enable speed and responsible growth. 
• Provide expertise and thought leadership in how payments are evolving externally - including providing competitive, new technology, regulatory and industry perspectives.
• Identify payment risk related trends and drive insights on the health of the payment type and identify opportunities for risk mitigation 
• Coordinate Payment Rail specific reviews with senior stakeholders - constructing storylines that blend strategy, data and risk management.  
• Identify opportunities to simplify manual oversight workflows through modern data analysis tools and streamlined process design.
• Deliver decision-useful reporting and insights to leadership forums highlighting key risk trends, incident patterns, and remediation progress.

Ideal Candidate:

• A Natural Relationship Builder & Collaborator: You bring energy, curiosity, and collaboration to your partnerships. You excel at connecting people and ideas across teams, navigating complex environments, and building trust at all levels of leadership.
• A Compelling Storyteller: You know how to translate intricate data and complex concepts into clear, engaging narratives that resonate, inspire action, and align diverse groups around a shared vision.
• A Thoughtful Risk Leader: With a deep grounding risk management - ideally with specialization in Payments -  you look around corners, spot trends early, and guide partners with practical, forward-looking guidance rather than red tape.
• An Innovative Problem-Solver: You thrive on tackling big challenges with creative, modern approaches—leveraging emerging tools and smart technology like AI to make work simpler and more impactful for everyone.

Location: This role is hybrid, where you will be expected to spend 3 days per week working in the office and the remainder of the week working virtually.

Basic Qualifications:

• High School Diploma, GED, or equivalent certification

• At least 3 years of experience in risk management, audit, or governance
• At least 4 years experience in the banking or financial industry 
• At least 5 years of experience supporting, partnering and interacting with internal and external stakeholders 

Preferred Qualifications:

• Bachelor’s Degree or Military experience
• At least 5 years of project management experience leading cross functional projects and programs
• At least 5 years of experience managing senior stakeholders
• At least 4 years of experience in risk management
• At least 3 years of experience working in payments
• At least 3 years of people leadership experience
• At least 3 years of process management experience
• Accredited Payments Risk Professional (APRP) certification

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

McLean, VA: $151,900 - $173,400 for Risk ManagerRichmond, VA: $138,100 - $157,700 for Risk Manager

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at theCapital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

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Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).