Senior Director, Risk Advisory - Global Payment Network

Capital One; Richmond (VA); Hybrid; USD 217,000 - 248,000; Full time

Benefits offered by this job

Performance incentives

Hybrid work model

Health and benefits package

Job summary

Capital One Group in Richmond, VA seeks a Senior Director, Risk Advisory for the Global Payment Network to own risk advisory across network schemes and ensure alignment with enterprise risk management and regulatory standards.

This leadership role blends strategic oversight with cross-functional collaboration and executive reporting in a hybrid work setting, requiring strong communication and leadership skills.

Qualifications

• Bachelor's Degree or military experience.
• At least 10 years of legal, compliance, or risk management experience OR at least 10 years of regulatory experience in consumer financial services or payments industry.
• At least 5 years of experience in people management.
• At least 5 years of experience consulting with and presenting to senior executive leadership.

Responsibilities

• Collaborate with first and second line functions to analyze the existing risk management program framework and applicability to the network and merchant services business.
• Utilize subject matter expertise to provide advice and challenge on risks impacting the network and merchant businesses.
• Advise business leaders on regulatory requirements, policies, and industry standards.
• Develop expert understanding of end-to-end network and merchant business processes worldwide.
• Identify trends in business data and assess network payments risks, including emerging risks.
• Maintain subject matter expertise in the broader payments industry and global laws and regulations.
• Ensure compliance requirements are applied to business expansions and new products.
• Develop relationships across Compliance, Legal, and Audit.
• Coach and develop team members and lead the Risk Advisory Team.
• Participate in reporting to senior leadership in the business and Risk Management.

Skills

People management

Executive leadership

Risk management

Regulatory compliance

Education

Bachelor's Degree or military experience

MBA, Finance, Risk Management or related field (Preferred)

Tools

CBCP/MBCP

CRISC

CISM

Job description

Senior Director, Risk Advisory - Global Payment Network

The Global Payment Network Senior Director of Risk Advisory will perform a key risk management role for Capital One’s network and merchant businesses. They will establish, implement, and own the risk management advisory for one of the network schemes (i.e., PULSE, Discover Network, Diners Club International). The Senior Director is a critical member of the risk management team responsible for delivering risk and compliance advice for business processes worldwide. They will serve as a subject matter expert for one of GPN’s Schemes to ensure the business aligns with the Capital One’s broader enterprise risk management framework.

Senior Directors in GPN Risk and Advisory at Capital One are highly motivated Risk Management professionals with excellent organizational, leadership and communication skills. They have a high level of exposure to business leaders and the opportunity to work with executives to create and implement innovative solutions to identify and mitigate potential risks to the company.

This role is designated as a hybrid position. You are expected to adhere to Capital One's hybrid policy regarding required on-site presence at your designated office location.

Responsibilities:

• Collaborate with first and second line functions to analyze the existing risk management program framework and applicability to the network and merchant services business; educate and influence risk management colleagues and senior leaders with respect to nuanced or specialized considerations, as necessary
• Utilizing subject matter expertise, provide advice and challenge on the risks impacting the network and merchant businesses through both formal and informal engagements
• Advising business leaders on regulatory requirements, policies, and industry standards
• Develop expert-level understanding of end-to-end network and merchant business processes worldwide
• Proactively identify trends in business data and demonstrate appreciation of network payments risks, including emerging and external risks
• Maintain subject matter expertise in the broader payments industry and applicable global laws and regulations
• Ensure ongoing application of compliance requirements to business expansions and new products, including as the network and merchant businesses engage with new downstream entities, evaluate new opportunities for card acceptance, global markets, or develop new products
• Develop strong relationships across the lines of defense, including Compliance, Legal, and Audit
• Display a passion for coaching and developing others through their leadership style and presence, whether as direct reports or extended team members
• Support regulatory exam and engagement preparation and delivery
• Manage, develop, and coach a Risk Advisory Team in support of their job responsibilities and to further their careers
• Participate in reporting activities to senior leadership in the business and Risk Management

Basic Qualifications:

• Bachelor's Degree or military experience
• At least 10 years of legal, compliance, or risk management experience OR at least 10 years of regulatory experience in consumer financial services or payments industry
• At least 5 years of experience in people management
• At least 5 years of experience consulting with and presenting to senior executive leadership

Preferred Qualifications:

• Master’s Degree in Business Administration (MBA), Finance, Risk Management, Information Systems, or a related analytical field.
• Proven experience in a first or second Line of Defense risk management role, with a strong track record of effectively challenging or responding to line of Defense business decisions across diverse lines of business (e.g., Card, Retail, Commercial, Payment Networks).
• Deep familiarity with US and international operational resilience and risk management regulatory standards (such as OCC Payment Systems Guidance, Payment Card Industry Compliance, NIST).
• Certified Business Continuity Professional (CBCP/MBCP)Certified in Risk and Information Systems Control (CRISC)Certified Information Security Manager (CISM)Other operational risk or resilience designations.
• Experience leading data-driven risk analyses, building risk-based hypotheses, and translating complex technical data into clear, narrative-driven executive reports.

At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (e.g. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-3, and O-1, or any other forms of work authorization that require immigration support from an employer).

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

• Chicago, IL: $217,000 - $247,700 for Sr. Director, Risk Management
• Houston, TX: $217,000 - $247,700 for Sr. Director, Risk Management
• McLean, VA: $238,700 - $272,400 for Sr. Director, Risk Management
• Richmond, VA: $217,000 - $247,700 for Sr. Director, Risk Management
• Riverwoods, IL: $217,000 - $247,700 for Sr. Director, Risk Management

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.

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, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.