Principal Analyst, Finance Risk Management

Capital One
McLean, Virginia, United States
Closing date
Dec 18, 2023

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Job Details

Center 2 (19050), United States of America, McLean, Virginia

Principal Analyst, Finance Risk Management

Capital One is seeking a motivated professional for a Principal Analyst position within the Finance Risk Management (FRM) team. FRM associates are engaged and insightful risk management partners working across the Finance organization to execute robust and proactive risk management programs, improve effectiveness and efficiency of operation while reducing risk and influencing risk stakeholders, risk offices, compliance, internal audit, and regulators. FRM strives to enable a strong culture of risk management across Finance that is adaptable to a changing environment.

A successful candidate for this role will have strong critical thinking and analytical skills, be a proactive problem solver with the ability to operate in white space, and have strong communication and presentation skills with the ability to clearly articulate complex topics both orally and written to a wide variety of audiences. The candidate should be a well-organized, self-starter who is comfortable functioning autonomously, taking end-to-end ownership of work streams, ensuring all deliverables are completed timely, and leveraging their subject matter knowledge to synthesize all available information to influence our partners to make grounded, risk-based decisions.

General Responsibilities:
  • Ensure the Finance organization's adherence to internal policies and standards related payment activities, including payment origination, initiation and execution
  • Identify opportunities and collaborate within and beyond FRM to mature our payments risk and control practices and governance
  • Collaborate with partner teams on issues and events investigation, root cause analysis and suggested remediation actions
  • Build and maintain strong relationships with and provide risk guidance to our Treasury Payments Execution business partner team in Finance and other partner teams engaged in the payments process across the company
  • Engage with risk partners to ensure alignment on enterprise guidance, standards and policies
  • Report on the health of payment programs assigned, ensure sufficient awareness and transparency to leadership
  • Assist in evaluating new regulatory changes and their impact on payment processes, then facilitate the incorporation of those changes where appropriate (control, procedures, etc.)
  • Develop and maintain documentation to include procedures and presentation materials.
  • Assist with the preparation and execution of audit and regulatory exams as they pertain to responsible areas
  • Collaborate with broader horizontal FRM partner teams to provide risk analysis, insights and reporting metrics
  • Support FRM horizontal partner teams in execution of recurring and ad hoc risk activities--process level risk assessments, payments control testing, etc.
  • Provide pre, during and post audit/exam management and risk advisory support for our impacted business partners
  • Regularly liaise with our 2nd and 3rd lines-of-defense teams and collaborate to address challenges levied on our business partners resulting from 2nd or 3rd line reviews
  • Assist with or run point on projects or initiatives with payments touchpoints

Basic Qualifications:
  • Bachelor's Degree or military experience
  • At least 3 years of experience in a Financial Services Industry
  • At least 3 years of Risk Management experience in Finance, Compliance, Audit, Payments or a combination

Preferred Qualifications:
  • At least 5 years of Risk Management practice
  • At least 3 years of experience in leading complex, cross functional projects
  • Experience with risk reporting and issue management
  • Working knowledge of money movement capabilities for High Value, Low Value and Instant Payments
  • Working knowledge of correspondent banking structure and nostro/vostro accounts
  • Working knowledge of global clearing and market infrastructures (FED, CHIPS, CHAPS, SWIFT, etc.)
  • Working knowledge of transaction life cycles of payment products and solutions (e.g. wires, ACH, check and money transfers)
  • Working knowledge in financial operations, including settlement operations, reconciliation, and exception processing
  • Working knowledge of transaction life cycles of payment products and solutions (e.g. wires, ACH, check and money transfer)
  • Working knowledge in financial operations, including settlement operations, reconciliation, and exception processing
  • Experience with Google Suite

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

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website . 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.

No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. 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.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at . All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

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).


We Don’t Only Think Big Things—At Capital One, We Do Big Things.

You’re dedicated to your career. You deserve professional satisfaction and personal fulfillment. You belong at Capital One.

Here, every day brings another chance to do impactful work that matters: helping millions of customers confidently manage their money, building stronger communities and delivering truly disruptive tech. You’ll give your all alongside some of the brightest, most resilient people in the industry—and in return, you’ll enjoy the growth opportunities, support, flexibility and benefits you need for an exhilarating life both on and off the job.

Be inspired. Be yourself. That’s #LifeAtCapitalOne.

Creating a Culture of Belonging

At Capital One, we value diversity, inclusion and belonging at our core. We’re building a place of belonging—where everyone can feel seen, heard, valued and free to be their authentic selves. We want to be a place of opportunity—where associates from all backgrounds innovate for our customers and communities, and build meaningful, fulfilling careers.

We endeavor to be a welcoming and inspiring place for all. We seek and embrace diversity. And we’re committed to having a diverse and inclusive workforce, focused on increasing the representation of underrepresented groups, strengthening our culture of inclusion and belonging and harnessing our scale to invest in our communities.

We’re focused on three core principles to advance diversity, inclusion and belonging across Capital One:

Create a culture of belonging where everyone can thrive and innovate

Attract and develop talent from all backgrounds and experiences

Ensure our systems and programs promote fairness and equity

Get a career with more at Capital One.  Discover it for yourself today.

Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, sexual orientation, gender identity, protected veteran status, disability or other protected status.


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