Principal Associate – Enterprise Payments Governance & Oversight

Capital One

. Define and implement the future of enterprise payments governance and oversight .

Posted 10/8/2026full-timeMcLean • Virginia • United StatesMid-Level💰 $120,800 - $137,900 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in enterprise payments governance, risk management frameworks, and operational execution within the banking and financial services industry. Proficient in utilizing Generative AI and automation tools to enhance risk monitoring and improve business processes.

Highest-signal resume keywords

Risk ManagementPayments GovernanceGenerative AI UtilizationProject ManagementStakeholder Engagement

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk ManagementPayments Risk ManagementData ManagementProcess ManagementIssues & Event ManagementAuditGovernance OversightAnalytical SkillsCybersecurity Data AnalysisRegulatory Compliance

Soft Skills

Analytical MindsetCollaborationCommunication

Tools & Technologies

TableauAutomation Tools

Certifications & Qualifications

Accredited ACH Professional (AAP)Accredited Payments Risk Professional (APRP)

Industry Keywords

BankingFinancial ServicesGlobal Payment ProcessesReal-Time Payments (RTP)ACHWire Payments

Tech Stack

Tools & technologies

Cyber SecurityRuby on RailsTableau

About the role

Key responsibilities & impact

Define and implement the future of enterprise payments governance and oversight
Govern and oversee end-to-end core payments functions across all payment types
Develop solutions to remediate payments-related challenges and enhance business-as-usual practices
Work with stakeholders across the company and executives to shape and deliver payments governance strategy
Design, implement, and manage structural frameworks for enterprise-wide payment risk management
Develop monitoring and reporting capabilities translating enterprise strategies into operational execution
Liaise with 1st and 2nd Line of Defense teams
Oversee governance processes for Real-Time Payments (RTP), ACH, checks, and wire payments
Provide thought leadership and own day-to-day risk procedure oversight
Utilize Generative AI capabilities and automation tools to improve risk monitoring and operational efficiency
Define and oversee risk management frameworks for payment rails
Partner with 2nd Line of Defense teams to operationalize risk mitigation activities within 1st Line workflows
Establish and maintain an inventory of business processes supporting the Enterprise Risk Management framework
Lead ad-hoc compliance and process improvement projects

Requirements

What you’ll need

Associates Degree or Military Experience
At least 3 years of experience in risk management, audit, or governance and oversight roles
At least 4 years experience in the banking or financial services industry
At least 2 years of experience supporting, partnering and interacting with internal and external stakeholders
Experience with Issues & Event Management, Risk & Controls, and/or Cybersecurity/Technology Data
Analytical mindset and experience utilizing Generative AI, agents, Tableau, and automation
Understanding of global payment processes, networks, and regulatory environments
Project management skills and experience delivering critical goals and process improvements
Bachelor's Degree preferred
At least 4 years of experience in risk management, audit, or governance and oversight roles preferred
At least 3 years of project management experience leading cross-functional projects or programs preferred
At least 2 years of experience in data management or data analysis preferred
At least 3 years of experience supporting, partnering and interacting with internal and external stakeholders preferred
At least 3 years of experience working in payments or payments risk management preferred
At least 3 years of process management experience preferred
At least 3 years of experience managing technology, cyber risk, issues & events, or process control risks at a financial services company preferred
Accredited ACH Professional (AAP) certification or Accredited Payments Risk Professional (APRP) certification preferred
Capital One will not sponsor a new applicant for employment authorization or provide immigration-related support

Benefits

Comp & perks

Performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
Comprehensive, competitive, and inclusive health, financial and other benefits supporting total well-being
Hybrid work arrangement
Reasonable accommodations for applicants who require them