Senior Risk Associate – Global Payments Network

Capital One

. Perform comprehensive financial and credit risk assessments for new and existing counterparties to formulate internal risk ratings and risk mitigation strategies .

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, utilizing advanced analytical tools and methodologies to formulate risk ratings and mitigation strategies. Proficient in collaborating across departments to align risk management with commercial objectives and ensure compliance with regulatory standards.

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 MitigationAnalytical Hypothesis FramingOperational Feasibility ScopingRisk ModelingPredictive AnalyticsMachine LearningPortfolio SurveillanceCompliance TrackingExecutive-Level Communication

Soft Skills

CollaborationCommunicationLeadership

Tools & Technologies

BloombergCapital IQCreditRiskMonitorPythonNatural Language Processing

Industry Keywords

Financial Institution AnalysisMerchant Acquiring RiskSettlement Float DynamicsRisk SurveillanceEarly Warning Indicators

Tech Stack

Tools & technologies

Python

About the role

Key responsibilities & impact

Perform comprehensive financial and credit risk assessments for new and existing counterparties to 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, scope operational feasibility for risk controls, and present risk recommendations to senior credit committees and regulatory examiners
Collaborate with Relationship Managers, Product, Data, Operations, Legal, and Finance 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 3 years of professional experience performing counterparty credit risk analysis, commercial credit underwriting, or financial institution analysis
Preferred: 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 CreditRiskMonitor
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
Experience drafting executive-level credit memos and communicating financial analysis to senior management and internal stakeholders
No employer-sponsored immigration support is available for this position

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
Reasonable accommodations for applicants who require them