Sr. Director, ACH Operations (Hybrid)

Capital One • Richmond, VA

2d • Hybrid

About The Position

Capital One’s Enterprise Payment Operations organization is seeking a senior leader to lead its ACH Operations team. Capital One is a Top 5 user of the ACH network in the United States, and ACH is a primary payment rail for its Card, Bank, Auto Finance, and Commercial businesses.

The Sr. Director oversees day-to-day ACH network operations, ensuring accurate and timely payment processing, compliance with regulations, risk management, and resolution of discrepancies. The role is responsible for file processing during Fed processing hours throughout the week, as well as returns and exceptions. It influences simplification, automation, and modernization across critical processes and partners with and advises ACH initiation teams across Capital One’s lines of business.

The role manages well-managed activities for the ACH payment rail, including leadership through incidents, risk events, audits, and exams. It helps define the future agenda for the ACH rail, partners with other payment rail leaders to advance Capital One’s payment capabilities, and represents Capital One in NACHA and other industry forums.

This is a hybrid role, subject to Capital One’s hybrid policy and required on-site presence at the designated office location. The role is eligible for performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

Requirements

• High school diploma, GED, or equivalent certification.
• At least 5 years of financial services experience.
• At least 5 years of people management experience.
• At least 7 years of experience in risk management, payments, project management, process management, operations, or a combination of these areas.
• Strong analytical problem-solving skills and the ability to use data, judgment, and experience to make complex decisions.
• Effective communication skills, including the ability to communicate complex content at various levels.
• Experience influencing others, building partnerships, and interacting with all levels of an organization.
• Management experience and the ability to lead teams and attract and retain top talent.

Nice To Haves

• Bachelor’s degree or military experience.
• At least 3 years of ACH experience.
• PMP, Lean, Agile, or Six Sigma certification.
• NACHA certifications.
• At least 3 years of experience leading an operational team through technology transformation.
• At least 10 years of experience serving in a strategic initiatives, risk management, payments, operations, or project management lead role in a large, matrixed organization.
• Experience leading Operations teams through technology transformations and collaborating with product and technology teams from discovery through delivery of new features.
• Strategic orientation, including the ability to design, influence, and execute high-impact initiatives and address complex problems.
• A forward-leaning approach to using technology in operations, curiosity about macro trends, and a strong outside-in perspective.
• A proven record of delivering high-quality results and consistently well-managed operations.
• Ability to serve as an inspiring role model and encourage followership, associate growth, and enthusiasm for the organization’s vision and future.

Responsibilities

• Lead the ACH Operations team and oversee day-to-day ACH network operations.
• Ensure accurate and timely processing of ACH payments while adhering to compliance regulations, managing risk, and resolving discrepancies.
• Oversee ACH file processing during Fed processing hours throughout the week, including returns and exceptions.
• Influence simplification, automation, and modernization efforts across ACH business processes.
• Partner with and advise ACH initiation teams across Capital One lines of business.
• Manage well-managed activities for the ACH payment rail, including leading through incidents, risk events, audits, and exams.
• Help define the future agenda for the ACH payment rail and partner with other payment rail leaders to advance Capital One’s payment capabilities.
• Represent Capital One’s perspective in NACHA and other key industry forums.

Benefits

• Comprehensive, competitive, and inclusive health, financial, and other benefits supporting total well-being.
• Performance-based incentive compensation, which may include cash bonuses and/or long-term incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Director
• Education Level: High school or GED