Senior Director, Risk Advisory - Global Payment Network
About The Position
The Global Payment Network Senior Director of Risk Advisory performs a key risk management role for Capital One’s network and merchant businesses. This role establishes, implements, and owns risk management advisory for one of the network schemes, such as PULSE, Discover Network, or Diners Club International. As a critical member of the risk management team, the Senior Director delivers risk and compliance advice for business processes worldwide and serves as a subject matter expert for a scheme, ensuring alignment with Capital One’s broader enterprise risk management framework. The role works closely with business leaders and colleagues across risk, compliance, legal, and audit. It provides advice and challenge on business risks, supports application of compliance requirements to expansions and new products, prepares for regulatory examinations and engagements, and reports to senior leadership. The Senior Director also manages, develops, and coaches a Risk Advisory Team.
Requirements
- Bachelor’s degree or military experience.
- At least 10 years of legal, compliance, or risk management experience, or at least 10 years of regulatory experience in consumer financial services or the payments industry.
- At least 5 years of people management experience.
- At least 5 years of experience consulting with and presenting to senior executive leadership.
Nice To Haves
- Master’s degree in Business Administration (MBA), Finance, Risk Management, Information Systems, or a related analytical field.
- Proven experience in a first- or second-line-of-defense risk management role, with a strong track record of effectively challenging or responding to business decisions across diverse lines of business such as Card, Retail, Commercial, and Payment Networks.
- Deep familiarity with U.S. and international operational resilience and risk management regulatory standards, such as OCC Payment Systems Guidance, Payment Card Industry Compliance, and NIST.
- Certified Business Continuity Professional (CBCP/MBCP), Certified in Risk and Information Systems Control (CRISC), Certified Information Security Manager (CISM), or other operational risk or resilience designation.
- Experience leading data-driven risk analyses, building risk-based hypotheses, and translating complex technical data into clear, narrative-driven executive reports.
Responsibilities
- Collaborate with first- and second-line functions to analyze the existing risk management program framework and its applicability to network and merchant services; educate and influence risk colleagues and senior leaders on specialized considerations.
- Provide advice and challenge on risks impacting the network and merchant businesses through formal and informal engagements.
- Advise business leaders on regulatory requirements, policies, and industry standards.
- Develop expert-level understanding of end-to-end network and merchant business processes worldwide.
- Identify trends in business data and demonstrate awareness of network payments risks, including emerging and external risks.
- Maintain subject matter expertise in the broader payments industry and applicable global laws and regulations.
- Ensure ongoing application of compliance requirements to business expansions and new products, including engagement with downstream entities, new card-acceptance opportunities, global markets, and product development.
- Develop strong relationships across the lines of defense, including Compliance, Legal, and Audit.
- Coach and develop direct reports and extended team members through leadership and presence.
- Support regulatory examination and engagement preparation and delivery.
- Manage, develop, and coach a Risk Advisory Team in support of its responsibilities and career development.
- Participate in reporting activities to senior business and Risk Management leadership.
Benefits
- Comprehensive, competitive, and inclusive health, financial, and other benefits that support total well-being.
- Eligibility for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
