Principal Financial Analyst

Principal Financial Analyst

The Principal Financial Analyst is the lead financial analyst supporting the Enterprise Payments (EP) organization. The EP team is responsible for all payment rails across the Capital One ecosystem, including debit, ACH, checks, and wires. This role supports the Operations, Strategy, and Governance teams that are evolving those rails. An ideal candidate will provide great experience with building relationships with a very engaging customer group while providing strategic guidance to all aspects of their business and working toward financial outcomes.

The role involves a mix of business-as-usual financial management of a budget of fixed and variable expenses, strategic influence to shepherd business cases forward, and problem‑solving risks and opportunities. Strong communication, problem‑solving, and influencing skills are required.

• Develop the Annual Budget, Monthly Financial Forecast, and the Long‑Term Financial Plan
• Develop financial models and analyses to support growth of the business and strategic initiatives
• Monitor performance indicators, highlighting trends and analyzing causes of unexpected variance
• Analyze complex financial information and reports to support accurate and timely financial recommendations to management for decision making purposes
• Prepare monthly, quarterly, and annual reporting and analysis
• Identify industry trends and insights pertaining to competitor strategies and/or relative financial performance (e.g., peer benchmarking)
• Perform ad‑hoc analysis using data retrievals from internal financial systems and external market databases and package insights into clear and concise presentations
• Work closely with the business leads to help identify areas and processes for driving efficiencies

• Bachelor’s Degree or military experience
• At least 4 years of experience in financial analysis, financial modeling, or a combination

• Master’s Degree in Business Administration (MBA) or Master’s Degree in Finance
• Chartered Financial Analyst (CFA) license or Certified Public Accountant (CPA) license
• At least 5 years of experience in financial analysis, financial modeling, or a combination
• At least 3 years of experience in strategic analysis & planning

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

The minimum and maximum full‑time annual salaries for this role are listed below, by location. Salaries for part‑time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

McLean, VA: $120,800 – $137,900 for Principal Financial Analyst
Richmond, VA: $109,900 – $125,400 for Principal Financial Analyst

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.

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.