Principal Tech Development Manager

The Principal Payment Tech Development Manager will lead the end-to-end design, development, testing, certification, and delivery of contact/contactless chip technologies, mobile payments, and other emerging payment devices. A critical focus of this role includes leading the development of card- and wallet-related functional and security requirements, consult on test plans, and test tools necessary for executing D-PAS card personalization and Mobile D-PAS Wallet validations—both of which are vital prerequisites for successful D-PAS product acceptance.

The Manager will act as a key technical contributor to product specifications (functional and security features), manage strategic vendor relationships, and proactively mitigate risks or customer-impacting issues.

• Technology Design & Product Development
  • Lead Innovation:
    Manage, design, and develop new payment technologies for both card acceptance devices and payment devices (including contact/contactless chips, mobile, and cloud-based payments)
  • Define Specifications:
    Contribute to the development of product technology specifications, focusing heavily on functional and security features.
• Testing, Certification & Compliance
  • Framework Development:
    Create and maintain comprehensive testing requirements, test plans, and procedures for new payment technology products.
  • Validation Ownership:
    Lead the debugging of the technology products using L2 tools required for the effective execution of type approval of the product.
  • Compliance Program Design:
    Advise on establishing certification requirements and compliance programs to ensure seamless, standardized product rollouts.
• Vendor & Partner Management
  • Strategic Partnerships:
    Manage relationships with external vendors, including card and chip manufacturers, test laboratories, test tool providers, and mobile application developers.
  • Quality Assurance:
    Oversee external partners to ensure the delivery of high-quality services and tools that align with corporate standards.
• Industry Standards & Stakeholder Collaboration
  • Standards Alignment:
    Manage and participate in the development of payment specifications within relevant global standardization organizations.
  • Cross-Functional Communication:
    Educate, communicate, and collaborate with internal and external stakeholders regarding new and updated payment standards and specifications.
• Risk Management & Operations
  • Proactive Mitigation:
    Actively manage, mitigate, and elevate risks or customer-impacting issues to senior management during day-to-day operations.

• High School Diploma, GED or equivalent certification
• At least 5 years of payment technology research and development experience
• At least 2 years of experience supporting, partnering and interacting with internal or external business clients

• Bachelor's or Master’s Degree in Engineering, Computer Science or Technology
• Experience working with EMV payments systems, mobile payment technologies including cloud-based payments and secure elements
• Deep understanding of EMV Functional requirements and EMV Security requirements

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.