Senior Risk Associate - Risk, Infrastructure, and Governance

Capital One National Association; Charlotte (NC); On-site; USD 87,700 - 100,100; Full time

Benefits offered by this job

Performance-based incentives

Health benefits

Job summary

Capital One is seeking a Sr. Risk Associate in Charlotte, NC to bolster its Risk Infrastructure and Governance team.

You will drive policy development, support regulatory change management, and assess cross-border and country risks while coordinating with Compliance, Legal and other groups to ensure robust risk practices. The role requires strong communication, autonomous work style, and agile adaptability, with a focus on delivering reliable strategic reporting and maintaining continuous

Qualifications

• Bachelor’s Degree or military experience.
• At least 2 years of Financial Services or Risk Management experience.

Responsibilities

• Leading the Commercial Bank Policy Office: writing, updating, and socializing relevant policies, standards, and procedures.
• Support Regulatory Change Management: research, analysis, and documentation of impacts of new or changed laws, rules, regulations, and resulting requirements.
• Assist Cross Border Banking program: assess risks with foreign borrowers and regulatory requirements.
• Assist International Risk: Country Risk Assessments and drafting Country Exit Plans for in-scope countries.
• Provide strategic reporting for senior executives with accurate metrics.
• Drive Operational Excellence: lead daily task execution across the team.
• Provide coverage for key team functions during transitions or leaves.
• Develop horizontal engagement model clarifying roles and responsibilities across teams.
• Collaborate with Commercial Risk, Compliance, Legal and other groups.

Skills

Communication

Autonomy

Agile

Problem-solving

Cross-functional collaboration

Education

Bachelor’s Degree

Job description

Commercial Risk is a first line of defense function which supports our Commercial Banking Lines of Business in managing non-credit risk. Commercial Risk associates collaborate across the division, as well as with other Line of Business first line teams and second and third line partners, to develop and implement well-managed risk practices.

As a Sr. Risk Associate on the Risk Infrastructure and Governance team, the ideal candidate will have excellent written & verbal communication, strong interpersonal skills, the ability to work autonomously, flexibility in managing changing priorities in an Agile framework, and a desire to help the Commercial Bank succeed.

Strong problem solving, integrative thinking, prioritization, and analytical skills are essential for success in this role. Additionally, building win-win partnerships with multiple business stakeholders and across Commercial Risk work streams while adapting to change in a dynamic environment are key for this role.

Responsibilities

• Leading the Commercial Bank Policy Office: writing, updating, and socializing relevant policies, standards, and procedures.
• Provide support for Regulatory Change Management: assisting in the research, analysis, and documentation of the impacts of new or changed Federal and State laws, rules, regulations, and resulting legal requirements to Commercial Bank products and services.
• Assist Commercial Bank Cross Border Banking program: assessing the risks associated with foreign borrowers and regulatory requirements.
• Assist International Risk: Country Risk Assessments and drafting Country Exit Plans for in-scope countries for the Commercial Bank.
• Strategic Reporting: Provide comprehensive support for reporting routines, ensuring metrics are accurate and actionable for senior executive stakeholders.
• Drive Operational Excellence: Lead daily task execution across the team’s full scope, ensuring consistent delivery against project milestones and operational requirements.
• Operational Continuity: Serve as the primary coverage resource for key team functions during periods of transition or leave, minimizing disruptions to critical workstreams.
• Horizontal Engagement Model: Develop and document a horizontal engagement model to clarify roles, interactions, and responsibilities across team functions, moving from reactive to proactive program management.
• Collaborating with partners within Commercial Risk, Compliance, Legal, and various groups across the organization.

Basic Qualifications

• Bachelor’s Degree or military experience
• At least 2 years of Financial Services or Risk Management experience

Preferred Qualifications

• Commercial Bank experience
• At least 3 years of experience in a risk related role (audit, 1st line, 2nd line)

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

CommRisk

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.

Charlotte, NC: $87,700 - $100,100 for Sr. Risk Associate    McLean, VA: $96,500 - $110,100 for Sr. Risk Associate    Richmond, VA: $87,700 - $100,100 for Sr. Risk Associate

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. 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. 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.

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]

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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).