Principal Associate, Risk Management (Auto)

Capital One; Plano (TX); On-site; USD 109,900 - 125,400; Full time

Job summary

Capital One in Plano, TX seeks a Principal Associate in Risk Management (Auto) to apply professional risk judgment and develop innovative solutions that mitigate risk while supporting business goals. You will partner with senior leaders across risk, compliance, legal, technology, and operations to enable data‑inspired decision making.

The role emphasizes analytics, collaboration, and the ability to navigate complex environments, with opportunities to impact customer experience and risk programs.

Qualifications

• High School Diploma or GED required.
• 3+ years in risk management or related fields.
• Experience using data to identify risks and trends.
• Ability to present to senior leadership effectively.

Responsibilities

• Develop understanding of business strategies, products, services, and risk profile.
• Assess impact of regulatory changes on objectives and risk appetite.
• Analyze data to identify risks and provide actionable insights.
• Advise business partners on risk policies and programs.
• Collaborate across risk, compliance, legal and operations.
• Escalate risk gaps to executive management and partners.
• Improve risk practices and deliver improved customer experience.
• Support remediation of process breakdowns with stakeholders.

Skills

Risk management

Regulatory awareness

Data analysis

Problem solving

Strategic thinking

Cross-functional collaboration

Education

Bachelor's Degree

High School Diploma or GED

Job description

Principal Associate, Risk Management (Auto)

As a Principal Risk Associate in the Financial Services Risk Office, you will provide professional risk judgment that enables business partners to tackle major company challenges. In this role, you will lean into your analytical and problem‑solving skills by developing and deploying innovative solutions to mitigate risks to the Company, while growing your strategic and influencing skills as you create and implement risk strategies that enable the Company to win in the market. You will create order and sense out of complexity and uncertainty and enable confident, data‑inspired decision making. You will thrive in a cross‑functional and collaborative environment that values unique perspectives, rewards innovation, and challenges the statusquo. As an integral member of the team, you will have a high level of exposure across the division partnering closely with senior business and risk office leaders, technology, compliance, legal, and Operational Risk Management.

Responsibilities

• Develop a deep understanding of business strategies, products, services, and risk profile.
• Identify and assess the impact of the changing regulatory environment on business objectives and risk appetite.
• Analyze data to proactively identify risks and trends and provide insights that support internal customers in decision‑making.
• Provide guidance and advice to business partners on implementing risk policies and programs.
• Drive collaboration between the risk, compliance, legal, and other business support functions.
• Ensure independent escalation of risk management gaps, issues, and concerns to executive management and business partners.
• Identify opportunities to improve risk management practices and develop solutions to perfect risk management, eliminate waste, and deliver an exceptional customer experience.
• Drive containment and remediation of process breakdowns in conjunction with compliance, legal and business process teams.

Qualities of a Successful Candidate

• Curious and Analytical – You ask why, explore possibilities, and bring your unique perspective to the table. You are comfortable with ambiguity and are a truth seeker. You make it your business to master the data and signals to drive innovative solutions that are grounded in evidence.
• Communicative and Influential – You communicate complex ideas concisely and convincingly. You adjust your communication to your audience and are comfortable with presenting to executive leadership.
• Discerning and Deliberative – You are careful and methodical, navigate uncertainty and risks expertly, and have a knack for steering the team away from impulsive or ill‑informed decisions.
• Action‑Oriented and Results‑Driven – You have a desire to take action, try new things, and sometimes fail. Roadblocks won’t set you back, because you’ll stay focused on your goals. You’re organized, able to juggle multiple deliverables, and prioritize your work while keeping the customer at the forefront of everything you do.
• Up for a Challenge and Fungible – Big, undefined, unfamiliar, and complex problems will be exciting for you as you work to identify well‑rounded solutions. You have an insatiable appetite for learning, and are constantly seeking out new challenges.
• Passionate and Customer‑Focused – You are customer obsessed. You make it your business to understand their needs and their goals and are not satisfied with anything less than an exceptional customer experience.
• Collaborative and Team‑Oriented – You value diverse perspectives and seek insights from others. You bring energy to the group and rally them around a common goal.

Basic Qualifications

• High School Diploma, GED or equivalent certification.
• At least 3 years of experience in project, process, program, or risk management.

Preferred Qualifications

• Bachelor's Degree.
• 2+ years of experience in presenting to senior leadership.
• Ability to analyze trends, determine root cause, and propose solutions.

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

Salaries for Plano, TX: $109,900 – $125,400 for Principal Risk Specialist candidates; other locations have corresponding ranges. This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long‑term incentives (LTI). Capital One offers a comprehensive, competitive, and inclusive set of benefits that support your total well‑being.

This role is expected to accept applications for a minimum of 5 business days. No agencies please.

Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non‑discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug‑free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [e-mail]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to [e-mail]. Capital One does not provide, endorse or 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). 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.