Risk Manager - Payments Risk Integration, Strategy, and Modernization (PRISM) (Hybrid) The Enterprise Payments Risk Integration, Strategy, and Modernization team (PRISM) is seeking a dynamic Manager who will play a pivotal role in driving risk mitigation across both strategic and emerging payments initiatives across the Enterprise. This newly formed team is responsible for the oversight of emerging payments, products, and businesses, which includes integration activities. In this role, you will be a key partner across critical payments initiatives and programs, working closely with technology, product, risk management, and operations teams to enable a risk-first approach to payments modernization and new businesses. This is a unique opportunity to build from the ground up, blending strategic oversight with hands-on innovation. You won't just be managing risk - you will be actively defining how we leverage cutting-edge technology, to modernize our risk landscape. If you are passionate about driving enterprise-level change, partnering across diverse business lines, and solving complex problems at the intersection of payments and technology, consider joining our team! Responsibilities • Strategic Leadership & Innovation: Serve as a key risk thought partner for new businesses and emerging payments activities, including evaluating AI capabilities, smart automation, and advanced analytics to continue to modernize the payments risk landscape • Risk Mitigation & Controls: Execute on core deliverables including documenting payments use cases and supporting lines of business in demonstrating adherence to payment risk policy & standards • Automation & Tech Modernization: Identify opportunities to deploy automation (e.g., RPA, natural language processing, predictive risk analytics) to streamline manual governance & oversight, operationalize controls, and improve monitoring efficiency • Cross-Functional Collaboration: Partner with Accountable Executives, Product, Tech, and Business Risk Offices to assess strategy, operations, and risks across all payment types (ACH, Wire, Cards, Real-Time Payments, etc.) throughout the payment lifecycle The Person: • Exhibit outstanding influencing skills to effectively drive program efforts within and outside of your vertical business area • Strong foundational knowledge of risk management and/or payment types, rails, and operations (or a proven track record of rapidly mastering complex domain spaces) • Possesses an ability to effectively collaborate with key stakeholders at all levels across the company to manage, inform and influence outcomes • An analytical mindset with a passion to implement Gen AI capabilities, agents, and automation workflows to enhance risk monitoring efficiency, ensuring the responsible implementation and governance of such capabilities • Deep understanding of payment networks (ACH, Wires, etc) and the associated regulatory environments • Results-oriented with an ability to deliver against goals and objectives • Team-focused, with demonstrated strong relationship-building and collaboration skills • Excellent analytical, problem-solving, and project management skills 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 2 years of experience supporting, partnering and interacting with internal and external stakeholders Preferred Qualifications: • Bachelor’s Degree or Military experience • At least 4 years of experience in risk management, audit or governance • At least 5 years of project management experience leading cross functional projects and programs • At least 3 years of experience managing senior level stakeholders • 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 ACH Professional (AAP) certification or 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 Manager Richmond, 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 the Capital 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. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [email protected]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. 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