Senior Risk Associate- Global Payments Network
About The Position
As a Senior Analyst in Network Credit Settlement Risk within the Global Payment Network division, you will apply financial, quantitative, and risk assessment skills to safeguard Capital One’s balance sheet against complex counterparty exposures. You will work with Risk Professionals, Relationship Managers, Legal, and Operations teams to evaluate and manage risk for the Global Payment Network in a collaborative, fast-paced environment that values analytical rigor, independent decision-making, continuous learning, and innovative risk-mitigation strategies. The role involves assessing counterparty creditworthiness, monitoring settlement exposures, structuring risk mitigants, conducting portfolio surveillance, and leading credit review workflows. You will collaborate with colleagues across Capital One to balance risk appetite with commercial growth, volume acquisition, and institutional profitability. This is a hybrid position subject to Capital One’s hybrid policy for required on-site presence at the designated office location.
Requirements
- Bachelor’s degree or military experience.
- At least 1 year of professional experience performing counterparty credit risk analysis, commercial credit underwriting, or financial institution analysis.
Nice To Haves
- At least 3 years of experience evaluating global payment clearing mechanics, merchant acquiring risk, or settlement float dynamics.
- At least 3 years of experience with risk management platforms and credit databases such as Bloomberg, Capital IQ, or Credit Risk Monitor.
- At least 3 years of experience in business analysis or commercial credit underwriting within a large financial institution.
- At least 3 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 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, to optimize client liquidity while protecting bank capital.
- Conduct continuous risk surveillance across the counterparty portfolio to detect Early Warning Indicators, track covenant compliance, and manage reporting waivers.
- Lead end-to-end credit review workflows, frame analytical hypotheses, and scope operational feasibility for risk controls.
- Present clear risk recommendations to senior credit committees and regulatory examiners.
- Partner 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 supporting 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
