Risk Manager - Payment Risk Advisory & Business Enablement (Hybrid)

Capital One•Richmond, VA

5d•Hybrid

About The Position

The Enterprise Payments Governance and Oversight team is seeking a dynamic Manager who will play a pivotal role defining and implementing the future of payments governance and risk management to provide stronger oversight across the enterprise. The Enterprise Payments Governance and Oversight team sits within the Enterprise Payments organization in the Retail Bank. The team is responsible for the governance and oversight of end-to-end core payments functions for all payment types across the enterprise, including monitoring. In this role, you will be at the forefront of payments, working across Lines of Businesses to consult and provide solutions on how they can remediate some of the biggest payments-related challenges while enabling business objectives. In this exciting role, you will work closely with key stakeholders across the company to ensure we have a dynamic and well-managed payments ecosystem. This role critically works with colleagues in 2nd line Compliance, First line Risk Offices and lines of businesses to define the risk levels, procedures and structure matches best in practice governance frameworks. You will work with smart, talented people who will challenge you to excel. As a Manager of Enterprise Payments Governance Advisory, you will serves as the connective tissue across product, technology, operations, and risk management partners to ensure end-to-end payment lifecycles operate safely, securely, and resiliently. By leveraging deep expertise in global payment rails and a visionary understanding of emerging regulatory requirements, you will ensure our governance framework not only protects the enterprise but also serves as a catalyst for innovation in a rapidly changing payments ecosystem.

Requirements

High School Diploma, GED, or equivalent certification
At least 3 years of experience in risk management, audit, or governance
At least 4 years experience in the banking or financial industry
At least 5 years of experience supporting, partnering and interacting with internal and external stakeholders

Nice To Haves

Bachelor’s Degree or Military experience
At least 5 years of project management experience leading cross functional projects and programs
At least 5 years of experience managing senior stakeholders
At least 4 years of experience in risk management
At least 3 years of experience working in payments
At least 3 years of people leadership experience
At least 3 years of process management experience
Accredited Payments Risk Professional (APRP) certification

Responsibilities

Act as a Trusted Advisor by partnering with stakeholders across Line of Businesses, Operations, Product, Technology and Risk Offices to advise on integrating payment risk management across new products, use cases, and critical initiatives. Rather than simply enforcing compliance, you will act as a trusted advisor—translating complex risk expectations into practical, business-relevant guardrails that enable speed and responsible growth.
Provide expertise and thought leadership in how payments are evolving externally - including providing competitive, new technology, regulatory and industry perspectives.
Identify payment risk related trends and drive insights on the health of the payment type and identify opportunities for risk mitigation
Coordinate Payment Rail specific reviews with senior stakeholders - constructing storylines that blend strategy, data and risk management.
Identify opportunities to simplify manual oversight workflows through modern data analysis tools and streamlined process design.
Deliver decision-useful reporting and insights to leadership forums highlighting key risk trends, incident patterns, and remediation progress.