Senior Risk Associate-Global Network

As a Senior Analyst in Network Credit Settlement Risk, within the Global Payment Network division, you will apply your financial, quantitative, and risk assessment skills to safeguard Capital One’s balance sheet against complex counter party exposures. You will team with a diverse team of Risk Professionals, Relationship Managers, Legal, and Operations teams to evaluate and manage risk for the Global Payment Network.

And you will do it all in a collaborative, fast-paced environment that values your analytical rigor, encourages decision-making independence, promotes continuous learning, and rewards innovative risk-mitigation strategies.

• Analysis & Credit Assessment: Perform comprehensive financial and credit risk assessments for new and existing counter parties to formulate internal risk ratings and risk mitigation strategies.
• Exposure Management: Monitor and evaluate daily, intraday, and settlement exposures driven by card network settlement cycles.
• Risk Mitigation & Structuring: Design, negotiate, and manage dynamic risk-mitigation structures, including prefunding levels, reserves, Standby Letters of Credit, and parental guarantees to optimize client liquidity while protecting bank capital.
• Surveillance & Portfolio Monitoring: Maintain continuous risk surveillance across the counter party portfolio to detect Early Warning Indicators, track compliance covenants, and manage reporting waivers.
• Execution & Governance: Lead end-to-end credit review workflows, frame analytical hypotheses, scope operational feasibility for risk controls, and present clear risk recommendations to senior credit committees and regulatory examiners.
• Partnership: Work closely with cross-functional colleagues across Capital One, including Relationship Managers, Product, Data, Operations, Legal, and Finance, to align risk appetite with commercial growth, volume acquisition, and institutional profitability.

• Bachelor's Degree or Military experience
• At least 3 years of professional experience performing counter party credit risk analysis, commercial credit underwriting, or financial institution analysis.

• At least 4 years of experience evaluating global payment clearing mechanics, merchant acquiring risk, or settlement float dynamics.
• At least 4 years of experience with risk management platforms and credit databases such as Bloomberg, Capital IQ, or Credit Risk Monitor .
• At least 4 years of experience in business analysis or commercial credit underwriting within a large financial institution.
• At least 4 years of experience applying artificial intelligence or machine learning tools, predictive analytics, or automation frameworks (such as Python, natural language processing pipelines, or Generative AI credit analysis tools) to financial statement spreading, risk modeling, or portfolio surveillance.
• Experience drafting executive-level credit memos and communicating financial analysis to senior management and internal stakeholders.

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.

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).

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations,…