Sr Risk Associate, Risk Management (Credit Card Intent)

Capital One • McLean, VA

1d • $87,700 - $110,100 • Hybrid

About The Position

The Senior Risk Associate analyzes customer transactions to confirm whether customers received the correct credit decisioning. The role compares transaction data provided by Data Analysts with documented credit policies, determines whether customers were appropriately approved or declined, and summarizes results, data issues, policy-documentation issues, and key themes or insights for leadership. It is a critical part of the first-line risk management framework, monitoring credit-policy execution, supporting accurate policy documentation, and preventing potential customer and business losses. The role is hybrid and requires adherence to Capital One's hybrid policy for on-site presence at the designated office location.

Requirements

• High school diploma, GED, or equivalent certification.
• At least 1 year of experience in Transaction Testing, Compliance Testing, Risk Management, or Project Management.
• At least 1 year of experience working with Microsoft Excel or Google Sheets.

Nice To Haves

• 2+ years of experience in Transaction Testing, Compliance Testing, or Risk Management.
• 2+ years of experience working with Microsoft Excel or Google Sheets.
• At least 1 year of experience in financial services.
• Bachelor's degree in Business or a quantitative field.

Responsibilities

• Test applications, line increase decisions, authorizations, and other decisions to determine whether execution met documented credit-policy intent.
• Manage testing schedules to ensure tasks and reporting are completed within established timelines.
• Analyze data from multiple sources and document the work, including drafting testing issues and results.
• Establish and maintain strong relationships with Business Teams, Data Providers, and Risk Partners.
• Identify and execute new testing strategies to improve efficiency.
• Escalate issues within the direct team and support remediation efforts.
• Communicate testing results to Credit Officers and other senior management.
• Support management reports on intent documentation gaps, testing results, and remediation plans.
• Support internal assessments conducted by Credit Risk Management and Credit Review, as well as external regulatory exams.
• Participate in and execute other ad hoc special projects for the team.

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
• Education Level: High school or GED