Risk Manager - Payment Risk Advisory & Business Enablement (Hybrid)

About the role

The Enterprise Payments Governance and Oversight team is seeking a dynamic Manager who will play a pivotal role defining and implementing the future of payments governance and risk management to provide stronger oversight across the enterprise. The team sits within the Enterprise Payments organization in the Retail Bank and is responsible for the governance and oversight of end‑to‑end core payments functions for all payment types across the enterprise, including monitoring. In this role you will work across Lines of Business to consult and provide solutions on how they can remediate major payments‑related challenges while enabling business objectives, and you will collaborate closely with key stakeholders to ensure a dynamic and well‑managed payments ecosystem. As a Manager of Enterprise Payments Governance Advisory, you will serve as the connective tissue across product, technology, operations, and risk management partners to ensure end‑to‑end payment lifecycles operate safely, securely, and resiliently, leveraging deep expertise in global payment rails and a visionary understanding of emerging regulatory requirements.

Responsibilities

• Act as a Trusted Advisor by partnering with stakeholders across Line of Businesses, Operations, Product, Technology and Risk Offices to advise on integrating payment risk management across new products, use cases, and critical initiatives.
• Provide expertise and thought leadership in how payments are evolving externally — including providing competitive, new technology, regulatory and industry perspectives.
• Identify payment risk related trends and drive insights on the health of the payment type and identify opportunities for risk mitigation.
• Coordinate Payment Rail specific reviews with senior stakeholders — constructing storylines that blend strategy, data and risk management.
• Identify opportunities to simplify manual oversight workflows through modern data analysis tools and streamlined process design.
• Deliver decision‑useful reporting and insights to leadership forums highlighting key risk trends, incident patterns, and remediation progress.

Requirements

• High School Diploma, GED, or equivalent certification
• At least 3 years of experience in risk management, audit, or governance
• At least 4 years experience in the banking or financial industry
• At least 5 years of experience supporting, partnering and interacting with internal and external stakeholders

Qualifications

• Bachelor’s Degree or Military experience
• At least 5 years of project management experience leading cross functional projects and programs
• At least 5 years of experience managing senior stakeholders
• At least 4 years of experience in risk management
• At least 3 years of experience working in payments
• At least 3 years of people leadership experience
• At least 3 years of process management experience
• Accredited Payments Risk Professional (APRP) certification

Skills

• Natural Relationship Builder & Collaborator: brings energy, curiosity, and collaboration; excels at connecting people and ideas across teams, navigating complex environments, and building trust at all levels of leadership.
• Compelling Storyteller: translates intricate data and complex concepts into clear, engaging narratives that resonate, inspire action, and align diverse groups around a shared vision.
• Thoughtful Risk Leader: deep grounding in risk management (ideally payments), spots trends early, guides partners with practical, forward‑looking guidance.
• Innovative Problem‑Solver: thrives on tackling big challenges with creative, modern approaches—leveraging emerging tools and smart technology like AI to make work simpler and more impactful.

Benefits

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support total well‑being, plus eligibility for performance‑based incentive compensation (cash bonus and/or long‑term incentives).

Pay

McLean, VA: $151,900 - $173,400 for Risk Manager; Richmond, VA: $138,100 - $157,700 for Risk Manager. Candidates hired to work in other locations will be subject to the pay range associated with that location.

Schedule

This role is hybrid, with an expectation of 3 days per week in the office and the remainder virtually.