Sr. Director, ACH Operations (Hybrid)

Capital One; Deerfield (IL); Hybrid; USD 209,000 - 238,000; Full time

Job summary

Capital One seeks a Sr. Director, ACH Operations to lead the ACH network processing, ensuring accuracy and timeliness while maintaining compliance and managing risk. The role oversees file processing during Fed hours and handles returns, exceptions, and incident management.

You will drive modernization, automation, and collaboration with ACH teams across lines of business and participate in industry forums to advance Capital One's payment capabilities.

Qualifications

• High School Diploma, GED, or equivalent certification.
• At least 7 years of experience in risk management, payments, project management, process management, operations, or a combination.
• At least 5 years of financial services experience.
• At least 5 years of people management experience.

Responsibilities

• Oversee day-to-day ACH Operations processing across Fed hours.
• Lead simplification, automation, and modernization efforts for ACH processes.
• Partner with ACH initiation teams across Capital One lines of business.
• Manage incidents, risk events, audits, and exams in ACH rail.

Skills

Strategic thinking

People leadership

Risk management

Operations leadership

Data-driven decisions

Stakeholder communication

Education

Bachelor's Degree

Military experience

Tools

PMP

Lean Six Sigma

NACHA certs

Job description

Capital One’s Enterprise Payment Operations organization is seeking a talented senior leader to lead the ACH Operations team. Capital One is a Top 5 user of the ACH network in the United States. ACH is a primary payment rail for many of our core businesses including Card, Bank, Auto Finance, and Commercial.

As Sr. Director, ACH Operations, you will oversee the day-to-day work of Capital One’s ACH (Automated Clearing House) network, ensuring the accurate and timely processing of ACH payments while adhering to compliance regulations, managing risk, and resolving any discrepancies that may arise. You will be responsible for all file processing during Fed processing hours throughout the week and also the handling of returns and exceptions. You will be responsible for influencing simplification, automation, and modernization efforts across these critical business processes. You will partner with and advise ACH initiation teams across all Capital One lines of business. You will manage all well-managed activities for the ACH payment rail, including leading through incidents, risk events, audits, and exams. You will play a key role in defining the future agenda for the ACH payment rail and partner effectively with other payment rail leaders to drive Capital One’s payment capabilities forward. You will actively engage in NACHA and other key industry forums to represent Capital One’s perspective as one of the largest users of the ACH network.

Key Competencies

Strategic Orientation

• A strategic thinker who can effectively design, influence and execute against high impact initiatives and complex problems
• Forward lean on using technology in operations to drive value for the business
• Curiosity about macro trends; has a strong outside-in perspective

Results Focused

• Proven track record in delivering high quality results and executing consistently well managed operations

Communication

• Highly effective communicator with the ability to communicate complex content at various levels

Problem Solving

• Strong analytical problem solving skills
• Demonstrated ability to leverage data, judgment, and experience to make complex decisions

Collaboration, Influencing and Leadership

• Experience in leading Operations teams through technology transformations; Proven ability to work collaboratively with product and tech teams from discovery through delivery of new features
• Team player with management experience; solid track record of influencing others, building partnerships, and ability to interact with all levels of the organization
• Serve as an inspiring role model, a leader the team wants to emulate; inspire followership, associate growth, and excitement around the vision and future
• Ability to attract and retain top talent for the organization

Location

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.

Basic Qualifications

• High School Diploma, GED, or equivalent certification
• At least 5 years of financial services experience
• At least 5 years of people management experience
• At least 7 years of experience in risk management, payments, project management, process management, operations, or a combination

Preferred Qualifications

• Bachelor's Degree or military experience
• At least 3 years ACH experience
• PMP, Lean, Agile or Six Sigma certification
• NACHA certifications
• At least 3 years experience leading through technology transformation for an operational team
• At least 10 years of experience serving in a strategic initiatives, risk management, payments, operations, or project management lead role in a large, matrixed organization

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).

McLean, VA: $229,700 - $262,100 for Sr. Director, Process Mgt

Richmond, VA: $208,800 - $238,300 for Sr. Director, Process Mgt

Riverwoods, IL: $208,800 - $238,300 for Sr. Director, Process Mgt

Wilmington, DE: $208,800 - $238,300 for Sr. Director, Process Mgt

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.

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, 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.

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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).