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 Capital One’s Global Payment Network division, you will use financial, quantitative, and risk assessment skills to help safeguard the company’s balance sheet from 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.

This role is designated as hybrid, with on-site attendance required in accordance with Capital One’s hybrid policy at the designated office location. The role is eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives. Capital One will not sponsor new applicants for employment authorization or provide immigration-related support for this position.

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, developing internal risk ratings and 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, balancing client liquidity with protection of bank capital.
• Maintain continuous counterparty portfolio surveillance to detect Early Warning Indicators, track covenant compliance, and manage reporting waivers.
• Lead end-to-end credit review workflows, develop analytical hypotheses, assess the operational feasibility of risk controls, and present 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.

What This Job Offers

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