Risk Manager – Payments Risk Integration, Strategy, and Modernization

Capital One

. Serve as a key risk thought partner for new businesses and emerging payments activities .

Posted 9/18/2026full-timeMcLean • Virginia • United StatesMid-LevelSenior💰 $151,900 - $173,400 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in risk management and payment operations, with a strong focus on evaluating AI capabilities and implementing automation workflows. Proven ability to partner with stakeholders and drive risk mitigation across various payment types and initiatives.

Highest-signal resume keywords

Risk ManagementPayments OperationsProject ManagementStakeholder EngagementRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk AnalysisPayment TypesACHWire TransfersPredictive Risk AnalyticsRPANatural Language ProcessingAdvanced AnalyticsGovernanceProcess Management

Soft Skills

Analytical MindsetProblem-SolvingCommunicationLeadershipCollaboration

Certifications & Qualifications

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

Industry Keywords

BankingFinancial IndustryPayments Risk PoliciesPayment NetworksRegulatory Environments

Tech Stack

Tools & technologies

RPARuby on Rails

About the role

Key responsibilities & impact

Serve as a key risk thought partner for new businesses and emerging payments activities
Evaluate AI capabilities, smart automation, and advanced analytics to modernize the payments risk landscape
Document payments use cases and support lines of business in demonstrating adherence to payment risk policies and standards
Identify opportunities to deploy RPA, natural language processing, and predictive risk analytics
Streamline manual governance and oversight, operationalize controls, and improve monitoring efficiency
Partner with Accountable Executives, Product, Technology, and Business Risk Offices
Assess strategy, operations, and risks across ACH, wire, card, and real-time payment types throughout the payment lifecycle
Drive risk mitigation across strategic and emerging payments initiatives across the enterprise
Build and define risk modernization approaches for new businesses and payment programs

Requirements

What you’ll need

High School Diploma, GED, or equivalent certification
At least 3 years of experience in risk management, audit, or governance
At least 4 years of experience in the banking or financial industry
At least 2 years of experience supporting, partnering, and interacting with internal and external stakeholders
Strong foundational knowledge of risk management and/or payment types, rails, and operations
Deep understanding of payment networks, including ACH and wires, and associated regulatory environments
Analytical mindset with interest in Gen AI capabilities, agents, and automation workflows
Excellent analytical, problem-solving, and project management skills
Bachelor’s Degree or military experience preferred
At least 4 years of experience in risk management, audit, or governance preferred
At least 5 years of project management experience leading cross-functional projects and programs preferred
At least 3 years of experience managing senior-level stakeholders preferred
At least 3 years of experience working in payments preferred
At least 3 years of people leadership experience preferred
At least 3 years of process management experience preferred
Accredited ACH Professional (AAP) or Accredited Payments Risk Professional (APRP) certification preferred
Capital One will not sponsor a new applicant for employment authorization for this position

Benefits

Comp & perks

Performance-based incentive compensation, potentially including cash bonuses and/or long-term incentives (LTI)
Comprehensive health, financial, and other benefits supporting total well-being
Reasonable accommodations for applicants with disabilities