Senior Risk Associate – Global Payments Network

Capital One

. Perform comprehensive financial and credit risk assessments for new and existing counterparties .

Posted 10/27/2026full-timeUnited StatesSenior💰 $87,700 - $110,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial and credit risk assessments, including the formulation of risk ratings and mitigation strategies. Proficient in collaborating across teams to align risk management with commercial objectives and presenting analytical findings to senior stakeholders.

Highest-signal resume keywords

Counterparty Credit Risk AnalysisCommercial Credit UnderwritingRisk Management PlatformsArtificial Intelligence ToolsFinancial Statement Spreading

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Risk AssessmentCredit Risk MitigationRisk SurveillancePredictive AnalyticsRisk ModelingData AnalysisCompliance TrackingCredit Memo DraftingOperational Feasibility ScopingSettlement Float Dynamics

Soft Skills

CollaborationCommunicationAnalytical ThinkingProblem SolvingLeadership

Tools & Technologies

BloombergCapital IQCredit Risk MonitorPythonNatural Language ProcessingGenerative AI

Industry Keywords

Financial Institution AnalysisMerchant Acquiring RiskCard Network SettlementRisk AppetiteVolume Acquisition

Tech Stack

Tools & technologies

Python

About the role

Key responsibilities & impact

Perform comprehensive financial and credit risk assessments for new and existing counterparties
Formulate internal risk ratings and risk mitigation strategies
Monitor and evaluate daily, intraday, and settlement exposures driven by card network settlement cycles
Design, negotiate, and manage risk-mitigation structures, including prefunding levels, reserves, Standby Letters of Credit, and parental guarantees
Maintain continuous risk surveillance across the counterparty portfolio
Detect Early Warning Indicators, track compliance covenants, and manage reporting waivers
Lead end-to-end credit review workflows
Frame analytical hypotheses and scope operational feasibility for risk controls
Present risk recommendations to senior credit committees and regulatory examiners
Collaborate with Relationship Managers, Product, Data, Operations, Legal, and Finance teams to align risk appetite with commercial growth, volume acquisition, and institutional profitability

Requirements

What you’ll need

Bachelor's Degree or Military experience
At least 1 year of professional experience performing counterparty credit risk analysis, commercial credit underwriting, or financial institution analysis
Preferred: At least 3 years of experience evaluating global payment clearing mechanics, merchant acquiring risk, or settlement float dynamics
Preferred: At least 3 years of experience with risk management platforms and credit databases such as Bloomberg, Capital IQ, or Credit Risk Monitor
Preferred: At least 3 years of experience in business analysis or commercial credit underwriting within a large financial institution
Preferred: At least 3 years of experience applying artificial intelligence or machine learning tools, predictive analytics, or automation frameworks such as Python, natural language processing pipelines, or Generative AI credit analysis tools to financial statement spreading, risk modeling, or portfolio surveillance
Experience drafting executive-level credit memos and communicating financial analysis to senior management and internal stakeholders
Must adhere to Capital One's hybrid policy regarding required on-site presence at the designated office location
Capital One will not sponsor a new applicant for employment authorization or provide immigration-related support for this position

Benefits

Comp & perks

Performance-based incentive compensation, which may include cash bonuses and/or long-term incentives (LTI)
Comprehensive, competitive, and inclusive health, financial, and other benefits supporting total well-being
Benefits eligibility based on full- or part-time status, exempt or non-exempt status, and management level
Hybrid work arrangement