Senior Risk Architect: Global Payments Settlement

Capital One

Deerfield (IL)

Hybrid

USD 88,000 - 110,000

Full time

7 days ago

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Job summary

Capital One is seeking a Senior Analyst in Network Credit Settlement Risk within the Global Payment Network division. You will apply financial, quantitative, and risk assessment skills to safeguard the bank’s balance sheet against counterparty exposures, collaborating with Risk, Legal, Operations, and Finance to balance risk with business growth.

The role requires strong credit risk analysis, exposure management, and the ability to design dynamic risk‑mitigation strategies while engaging with

Qualifications

Bachelor's degree or Military experience required.
3+ years in counterparty credit risk, commercial credit underwriting, or financial institution analysis.
Experience with global payment clearing mechanics, merchant acquiring risk, or settlement float dynamics preferred.
Experience with risk management platforms and credit databases (Bloomberg, Capital IQ, CreditRiskMonitor).
Experience applying AI/ML tools to financial analysis, risk modeling, or portfolio surveillance.

Responsibilities

Analyze and assess counterparty credit risk for new and existing counterparties to determine internal risk ratings and mitigations.
Monitor daily and intraday exposure driven by settlement cycles.
Design and manage risk‑mitigation structures to protect liquidity and bank capital.
Maintain risk surveillance across portfolios and track covenants and reporting waivers.
Lead end‑to‑end credit review workflows and present risk recommendations to senior committees.