Senior Risk Associate – Global Payments Network

Capital One

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

Posted 10/16/2026full-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 utilizing risk management platforms and applying advanced analytical tools such as Python and machine learning for effective risk modeling and portfolio surveillance.

Highest-signal resume keywords

Counterparty Credit Risk AnalysisRisk Management PlatformsFinancial Statement SpreadingMachine Learning ToolsCommercial Credit Underwriting

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Risk AssessmentCredit Risk Mitigation StrategiesRisk SurveillancePredictive AnalyticsData AnalysisRisk Control FrameworksCredit Review WorkflowsCompliance TrackingSettlement Float DynamicsArtificial Intelligence Applications

Soft Skills

Communication SkillsCollaborationAnalytical ThinkingProblem SolvingLeadership

Tools & Technologies

BloombergCapital IQCredit Risk MonitorPythonNatural Language Processing

Industry Keywords

Financial Institution AnalysisMerchant Acquiring RiskCredit MemosRegulatory ComplianceRisk Appetite Alignment

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
Align risk appetite with commercial growth, volume acquisition, and institutional profitability

Requirements

What you’ll need

Bachelor's Degree or Military experience
At least 3 years of professional experience performing counterparty credit risk analysis, commercial credit underwriting, or financial institution analysis
At least 4 years of experience evaluating global payment clearing mechanics, merchant acquiring risk, or settlement float dynamics (preferred)
At least 4 years of experience with risk management platforms and credit databases such as Bloomberg, Capital IQ, or Credit Risk Monitor (preferred)
At least 4 years of experience in business analysis or commercial credit underwriting within a large financial institution (preferred)
At least 4 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 (preferred)
Experience drafting executive-level credit memos and communicating financial analysis to senior management and internal stakeholders
Must not require new employment authorization sponsorship or immigration-related support from the employer

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 with disabilities