Principal Auditor, Global Payment Network

Posting Date:14/ 08/2026; Nottingham; Hybrid; GBP 70,000 - 90,000; Full time

Benefits offered by this job

Hybrid work pattern

Job summary

Capital One (Europe) plc in the United Kingdom is seeking a Principal Auditor for the Global Payment Network to lead audits, plan engagements, and assess controls within a dynamic UK Audit team focused on card payments.

The role combines hands-on testing, data analytics, coaching junior staff, and effective communication with stakeholders across the business. This hybrid London/Nottingham position offers in-office and remote work and travel as needed.

Qualifications

• Experience of risk assessment or audit in payment networks.
• Proven history of significantly contributing to the delivery of internal or external audit.
• Proven skills in assessing business risks and the ability to identify, design, execute risk-based testing.
• You possess a relentless focus on quality and timeliness.
• You adapt to change, embrace bold ideas, and like to ask questions, test assumptions, and challenge conventional thinking.

Responsibilities

• Lead small audits, or own completion of significant components of larger audits related to the payment network.
• Develop engagement planning documentation for assigned areas to communicate rationale for scoping decisions, and develop audit programs to ensure adequate coverage of risks.
• Design and execute appropriate audit procedures to verify the effectiveness of internal controls. Document auditee processes and procedures, review and analyze evidence, and identify potential issues.
• Leverage available data and analytical tools during the planning and fieldwork phases of audit delivery.
• Prepare clear, organized, and complete documentation to support work performed, including draft findings.
• Establish and maintain strong and effective relationships with key business partners and the extended Audit group.
• Effectively communicate information and audit progress to the team and to all levels of management.
• Self prioritise and effectively plan your own work activities managing multiple priorities and tasks across the team to deliver quality results.
• Provide coaching, on-the-job training, and feedback to audit staff, including junior associates and recent hires.
• Proactively seek out learning opportunities to enhance skills and competencies related to role.
• Occasional and optional travel to perform audit engagements, flexible to personal circumstances.

Skills

Payment networks

Audit experience

Data analytics

Stakeholder management

Leadership

Job description

Nottingham Trent House (95002), United Kingdom, Nottingham, Nottinghamshire

Job Title: Principal Auditor, Global Payment Network

Location: London / Nottingham - Hybrid

Working Pattern: 3 days in-office (Tuesday-Thursday) and 2 days remote.

Our Mission

We’re on a mission to be a force for good in lending. Throughout our almost 30-year history, we’ve consistently been recognised as a great place to work; in 2026, Capital One was officially ranked 9th in the UK’s Best Workplaces list. Hear from our team about what it’s like working at Capital One UK.

About the Role

This is a fantastic opportunity to join our UK Audit team. Capital One’s Audit function is a dedicated group of professionals focused on delivering top-quality assurance services to the organisation’s Audit Committee. Audit's vision to provide high value, independent, proactive insights, to innovate with technology, and to be a top-notch talent destination, creates a dynamic atmosphere for both personal growth and professional opportunity.

We’re seeking an energetic, self-motivated Principal Associate (Experienced Senior Auditor) interested in becoming part of our UK-based Global Payment Network Audit team. As a member of the Audit team, you’ll focus on conducting operational and compliance-related audits for our Global Payment Network business.

We’re especially interested to hear from candidates who have card payments experience (Amex, Visa, Mastercard, etc.)

What you’ll do:

• Lead small audits, or own completion of significant components of larger audits related to the payment network.
• Develop engagement planning documentation for assigned areas to communicate rationale for scoping decisions, and develop audit programs to ensure adequate coverage of risks.
• Design and execute appropriate audit procedures to verify the effectiveness of internal controls. Document auditee processes and procedures, review and analyze evidence, and identify potential issues.
• Leverage available data and analytical tools during the planning and fieldwork phases of audit delivery.
• Prepare clear, organized, and complete documentation to support work performed, including draft findings.
• Establish and maintain strong and effective relationships with key business partners and the extended Audit group.
• Effectively communicate information and audit progress to the team and to all levels of management.
• Self prioritise and effectively plan your own work activities managing multiple priorities and tasks across the team to deliver quality results. Proactively take on additional work to support the team when possible.
• Provide coaching, on-the-job training, and feedback to audit staff, including junior associates and recent hires.
• Proactively seek out learning opportunities to enhance skills and competencies related to role.
• Occasional and optional travel to perform audit engagements, flexible to personal circumstances.

The skills and experience you’ll need:

• Experience of risk assessment or audit in payment networks.
• Proven history of significantly contributing to the delivery of internal or external audit.
• Proven skills in assessing business risks and the ability to identify, design, execute risk-based testing.
• You possess a relentless focus on quality and timeliness.
• You adapt to change, embrace bold ideas, and like to ask questions, test assumptions, and challenge conventional thinking.
• You develop influential relationships based upon shared risk objectives and trust to deliver outstanding business impact and elevate Audit’s value proposition.
• You’re a firm believer that a rich understanding of data, innovation, and technology will only make you a better auditor.
• You create energy and an environment that fosters trust, collaboration, and belonging, making it easy to attract, hire, and retain top talent.
• You do the right thing and lead by example.

Capital One is committed to diversity in the workplace.

If you require a reasonable adjustment, please contact [e-mail]. All information will be kept confidential and will only be used for the purpose of applying a reasonable adjustment.

For technical support or questions about Capital One's recruiting process, please send an email to [e-mail].

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Who We Are

At Capital One, we're building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit. We are succeeding because they are succeeding.

Guided by our shared values, we thrive in an environment where collaboration and openness are valued. We believe that innovation is powered by perspective and that teamwork and respect for each other lead to superior results. We elevate each other and obsess about doing the right thing. Our associates serve with humility and a deep respect for their responsibility in helping our customers achieve their goals and realize their dreams. Together, we are on a quest to change banking for good.