Enterprise Payments Governance & Oversight Senior Manager - Hybrid

Enterprise Payments Governance & Oversight Senior Manager - Hybrid The Enterprise Payments Governance and Oversight team is seeking a dynamic Senior Manager leader who will play a pivotal role defining and implementing the future of payments governance and oversight for the enterprise. The Enterprise Payments Governance and Oversight team sits within the Enterprise Payments organization in the Retail Bank. The team 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 be at the forefront of payments, developing solutions to remediate some of the biggest payments-related challenges while also seeking opportunities to further enhance existing business-as-usual practices. In this exciting role, you will work closely with key stakeholders across the company to ensure we have a dynamic and well-managed payments ecosystem. This role critically works with colleagues in 2nd line Compliance, First line Risk Offices and lines of businesses to define the risk levels, procedures and structure that match best in practice governance frameworks. The Role As the Senior Manager of Enterprise Payments Governance and Oversight (Monitoring & Infrastructure), you will be the visionary leader and strategic architect behind our enterprise-wide payment risk management framework. You will move beyond daily maintenance, empower and lead a high‑performing team of risk, control and technology professionals to design, implement and manage cutting‑edge structural frameworks that ensure robust, scalable and compliant payment risk procedures enterprise‑wide. You will serve as the premier people leader over our Principal Associate and Manager functions, driving a unified culture of risk awareness while coaching and developing your team to excel. Acting as a critical bridge between top‑tier enterprise payment strategies and day-to-day operations, you will lead the central liaison with Senior Executives, 1st Line Risk Offices and 2nd Line of Defense partners. In this role, you will champion digital transformation by steering the responsible implementation of Generative AI and automation capabilities to maximize risk monitoring efficiency, ensuring our payment ecosystem—covering Real‑Time Payments (RTP), ACH and wire—remains secure, resilient and fully aligned with evolving policy requirements. The Responsibilities Lead and empower a high performing team of risk and control professionals to define how Enterprise Payments manages payment risks across the organization. Foster a culture of risk awareness as your teams will be responsible for running well‑managed horizontal processes to manage payments risk. Develop and implement robust risk assessment strategies that drive efficiencies, reduce resistance, mitigate risk and ensure long‑term success. Collaborate effectively across multiple organizations including Operational Risk Management, Enterprise Risk Management, Network Risk, Compliance, Information Technology and Internal Audit to achieve objectives. Utilize Gen AI to improve existing processes and enhance efficiency. Develop a compelling narrative using operational and payments risk data to influence business partners and articulate the “so‑what” of risks existing in their processes. Oversee the governance of the end‑to‑end payments inventories—including use cases, third‑party risks and risk controls—to ensure all payment processes are adherent to critical requirements and demonstrate consistent adherence to policy. Lead the coordination, outreach, training and implementation of payments risk procedures, programs, processes and mitigation strategies. We Want You If You Are Proven people leader with the ability to communicate a clear team vision and a passion for coaching and developing associates ranging from Senior Associate to Manager levels. Critical thinker with a passion for solving complex problems. Background in operational, including tech risk management and associated frameworks and methodologies. Exceptional communication and influencing skills, with the ability to navigate complex organizational structures and build consensus among diverse stakeholders. An analytical mindset with a passion to implement Gen AI capabilities, agents and automation workflows to enhance risk monitoring efficiency, ensuring the responsible implementation and governance of such capabilities. Ability to think strategically about the evolution of payments while leading teams through high‑pressure, real‑time problem‑solving when needed. Deep understanding of payment networks (ACH, Wires, Card) and the associated regulatory environments. Results‑oriented with an ability to deliver against goals and objectives. Team‑focused, with demonstrated strong relationship‑building and collaboration skills. Excellent analytical, problem‑solving and project management skills. Location West Creek 5 (Richmond, VA) or Center 2 (McLean, VA). The role is Hybrid, with an expectation to spend about half of your working time in the office and half working virtually. Basic Qualifications Associate's Degree or military experience. At least 3 years of People Leadership experience. At least 3 years of experience in risk management, audit or governance. At least 5 years of banking or financial services experience. At least 3 years of experience supporting, partnering and interacting with internal and external stakeholders. Preferred Qualifications Bachelor’s Degree. At least 5 years of People Leadership experience. At least 4 years of experience in risk management, audit or governance. At least 3 years of project management or process management experience. At least 5 years of experience supporting, partnering and interacting with internal and external stakeholders. At least 3 years of experience working in payments. Accredited ACH Professional (AAP) certification or Accredited Payments Risk Professional (APRP) certification. At this time, Capital One will not sponsor a new applicant for employment authorization for this position. McLean, VA: $177,700 - $202,800 for Sr. Risk Manager Richmond, VA: $161,500 - $184,300 for Sr. Risk Manager This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). 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. 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. 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