Sr Risk Associate, Risk Management (Credit Card Intent)

Capital One; McLean (VA); Presencial; USD 97.000 - 110.000; Jornada completa

Descripción de la vacante

Capital One is seeking a Sr Risk Associate in Risk Management (Credit Card Intent) to analyze customer transactions and verify that credit decisions align with documented policies. The role involves summarizing data quality issues, policy documentation gaps, and key themes for leadership, supporting first-line risk controls and prevention of potential losses.

Responsibilities include testing across applications, managing schedules, and communicating findings to Credit Officers and senior

Formación

• 1+ year of experience in Transaction Testing, Compliance Testing, Risk Management, or Project Management.
• 1+ year working with Microsoft Excel or Google Sheets.
• High School Diploma or GED or equivalent certification.

Responsabilidades

• Test applications, line increase decisions, authorizations to verify intent meets policy.
• Manage testing schedules and ensure timely reporting.
• Analyze data from multiple sources and document issues and results.
• Maintain relationships with Business Teams, Data Providers, and Risk Partners.
• Identify and implement new testing strategies to improve efficiency.
• Escalate issues and support remediation efforts.
• Communicate results to Credit Officers and senior management.
• Support management reports on policy gaps, testing results, and remediation plans.
• Assist internal assessments by Credit Risk Management, Credit Review, and regulatory exams.
• Participate in ad-hoc special projects for the team.

Conocimientos

Transaction Testing

Compliance Testing

Risk Management

Project Management

Educación

High School Diploma or GED

Bachelor's Degree in Business or quantitative field

Herramientas

Microsoft Excel

Google Sheets

Descripción del empleo

Sr Risk Associate, Risk Management (Credit Card Intent)

This role will be responsible for analyzing customer transactions to confirm whether the customers received the correct credit decisioning. The Senior Associate will perform this analysis by comparing customer transaction data, provided by Data Analysts, against the documented credit policies and determining if the customers were appropriately approved or declined, based on the documentation. The Senior Associate will summarize the results, including issues with data and credit policy documentation, and any key themes or insights for leadership. This role is a critical element of the first-line risk management framework that monitors execution of credit policy, ensures accurate documentation of policy, and prevents potential customer and business losses.

Responsibilities

• Perform testing of applications, line increase decisions, authorizations, etc. to determine if intent met execution based on documented credit policy
• Manage testing schedules to ensure all tasks and reporting are completed within established timelines
• Analyze data from multiple sources and document the work including drafting testing issues and results
• Establish and maintain strong relationships with Business Teams, Data Providers, and Risk Partners
• Identify and execute new testing strategies to enable efficiency
• Escalate issues with direct team and support remediation efforts
• Communicate testing results to Credit Officers, and other senior management
• Support the production of management reports on intent documentation gaps, testing results, and remediation plans
• Support internal assessments conducted by Credit Risk Management, Credit Review, and external regulatory exams
• Participate in and execute other special projects for the team on ad-hoc basis

Basic Qualifications

• High School Diploma, GED or equivalent certification
• At least 1 year of experience in Transaction Testing, Compliance Testing, Risk Management, or Project Management
• At least 1 year working with Microsoft Excel or Google Sheets

Preferred Qualifications

• 2+ years of experience in Transaction Testing, Compliance Testing, or Risk Management
• 2+ years working with Microsoft Excel or Google Sheets
• 1+ years of experience in financial services
• Bachelor's Degree in Business or a quantitative field

Salary

• 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.

Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

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.

Benefits

• 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.

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).

EEO and Diversity

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.

At Capital One, we’re building a leading information-based technology company. Still founder-led by Chairman and Chief Executive Officer Richard Fairbank, Capital One is on a mission to help our customers succeed by bringing ingenuity, simplicity, and humanity to banking. We measure our efforts by the success our customers enjoy and the advocacy they exhibit.