Senior Risk Analyst, Global Payments Network

Capital One; McLean (VA); Hybrid; USD 97.000 - 110.000; Vollzeit

Zusammenfassung

Capital One in McLean, VA seeks a Senior Risk Associate within the Global Payments Network to assess counterparty credit risk, manage exposures, and design risk-mitigating structures for optimal client liquidity while protecting bank capital.

You will collaborate with Relationship Managers, Product, Data, Operations, Legal, and Finance to align risk appetite with growth and profitability, while leading end-to-end credit reviews and presenting recommendations to senior committees.

Qualifikationen

• Bachelor's degree or military experience.
• At least 3 years of professional experience performing counterparty credit risk analysis, commercial credit underwriting, or financial institution analysis.
• At least 4 years of experience evaluating global payment clearing mechanics, merchant acquiring risk, or settlement float dynamics.
• At least 4 years of experience with risk management platforms and credit databases such as Bloomberg, Capital IQ, or Credit Risk Monitor.

Aufgaben

• Analysis & Credit Assessment: Perform comprehensive financial and credit risk assessments for new and existing counterparties to formulate internal risk ratings and risk mitigation strategies.
• Exposure Management: Monitor and evaluate daily, intraday, and settlement exposures driven by card network settlement cycles.
• Risk Mitigation & Structuring: Design, negotiate, and manage dynamic risk-mitigation structures, including prefunding levels, reserves, Standby Letters of Credit, and parental guarantees to optimize client liquidity while protecting bank capital.
• Surveillance & Portfolio Monitoring: Maintain continuous risk surveillance across the counterparty portfolio to detect Early Warning Indicators, track compliance covenants, and manage reporting waivers.
• Execution & Governance: Lead end-to-end credit review workflows, frame analytical hypotheses, scope operational feasibility for risk controls, and present clear risk recommendations to senior credit committees and regulatory examiners.
• Partnership: Work closely with cross-functional colleagues across Capital One, including Relationship Managers, Product, Data, Operations, Legal, and Finance, to align risk appetite with commercial growth, volume acquisition, and institutional profitability.

Kenntnisse

Credit risk analysis

Financial analysis

Risk assessment

Stakeholder communication

Ausbildung

Bachelor's Degree or Military experience

Tools

Bloomberg

Capital IQ

Credit Risk Monitor

Python

Jobbeschreibung

Capital One in McLean, VA seeks a Senior Risk Associate within the Global Payments Network to assess counterparty credit risk, manage exposures, and design risk-mitigating structures for optimal client liquidity while protecting bank capital.

You will collaborate with Relationship Managers, Product, Data, Operations, Legal, and Finance to align risk appetite with growth and profitability, while leading end-to-end credit reviews and presenting recommendations to senior committees.