Senior Risk Associate-Global Payments Network

Capital One • McLean, VA

3d • $96,500 - $110,100 • Hybrid

About The Position

As a Senior Analyst in Network Credit Settlement Risk within the Global Payment Network division, you will use financial, quantitative, and risk assessment skills to safeguard Capital One’s balance sheet against complex counterparty exposures. You will collaborate with Risk Professionals, Relationship Managers, Legal, and Operations teams to evaluate and manage risk for the Global Payment Network. The role is described as collaborative and fast-paced, with an emphasis on analytical rigor, independent decision-making, continuous learning, and innovative risk mitigation.

The position includes assessing new and existing counterparties, monitoring exposures arising from card network settlement cycles, developing risk-mitigation structures, and maintaining portfolio surveillance. You will lead credit review workflows, present recommendations to senior credit committees and regulatory examiners, and work across Capital One to align risk appetite with commercial growth, volume acquisition, and institutional profitability.

This is a hybrid position requiring adherence to Capital One’s hybrid policy for on-site presence at the designated office. The role is eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives. Capital One also describes its benefits as a comprehensive, competitive, and inclusive set of health, financial, and other benefits; eligibility varies by employment and management status.

Requirements

• 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.

Nice To Haves

• At least 4 years of experience evaluating global payment clearing mechanics, merchant acquiring risk, or settlement float dynamics.
• At least 4 years of experience with risk management platforms and credit databases such as Bloomberg, Capital IQ, or CreditRiskMonitor.
• At least 4 years of experience in business analysis or commercial credit underwriting within a large financial institution.
• 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.

Responsibilities

• Perform financial and credit risk assessments for new and existing counterparties, develop internal risk ratings, and recommend risk-mitigation strategies.
• Monitor and evaluate daily, intraday, and settlement exposures arising from card network settlement cycles.
• Design, negotiate, and manage risk-mitigation structures, including prefunding levels, reserves, Standby Letters of Credit, and parental guarantees.
• Conduct ongoing risk surveillance across the counterparty portfolio, identify Early Warning Indicators, track covenant compliance, and manage reporting waivers.
• Lead end-to-end credit review workflows, frame analytical hypotheses, assess operational feasibility of risk controls, and present 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.

Benefits

• Comprehensive, competitive, and inclusive health, financial, and other benefits; eligibility varies by employment and management status.
• Performance-based incentive compensation, potentially including cash bonuses and/or long-term incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior