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Capital One · 15 hours ago

Principal Risk Associate, Enterprise Payments Risk Management

McLean, VA

Full-time

Onsite

Senior Level, Lead/Staff

$117K/yr - $134K/yr

3+ years exp

Capital One is dedicated to helping identify, manage, and mitigate risk for customers, communities, and associates. The Principal Risk Associate will provide oversight and effective challenge to ensure business partners manage risk when processing payments, leveraging strong analytical and communication skills.

BankingCredit CardsFinanceFinancial Services

Comp. & Benefits

No H1B

Responsibilities

Provide Payments Risk consulting and effective challenge to business partners through ongoing risk assessment activities, engagement in payments-related initiatives and projects, and understanding of payments risks and activities, including ACH and Nacha requirements

Develop and leverage key relationships with cross-functional teams and key first line of defense contacts, providing advice and effective challenge, as required

Conduct Issue/Event analysis by observing trends and providing insights on changes to the Payments Risk environment across the enterprise

Demonstrates independent and adaptive problem-solving and analysis skills with attention to detail

Demonstrates strong communication, collaboration, problem solving and influencing skills across various levels of the organization

Manage tasks and activities related to risk management initiatives and reporting to support the Enterprise Payments Risk Management team in a well-managed capacity

Research and identify external risk themes related to payments

Qualification

Risk ManagementPayments ProcessesACH PaymentsNacha RequirementsPayments Risk CertificationFinancial Services ExperienceAnalytical SkillsCommunication SkillsProblem SolvingCollaboration Skills

Required

Bachelors' Degree or military experience

At least 3 years of experience in a first-line or second-line risk management role supporting payments processes or at least 3 years of experience conducting payments audits in a financial institution environment

Preferred

4+ years of experience with ACH payments or experience managing adherence to Nacha requirements

4+ years of Financial Services risk management experience within the Payments Risk or Payment Operations domain, with experience in Nacha requirements and ACH processes

Certification within the payments industry (Accredited Payments Risk Professional (APRP), National Check Professional (NCP), Accredited ACH Professional (AAP), Accredited Faster Payments Professional (AFPP)

Knowledge of payments operating rules (Nacha Operating Rules, Real Time Payments Operating Rules)

Excellent communication abilities, both written and verbal