Principal Technical Consultant

Principal Technical Consultant

As a Lead Technical Consultant within our ProtectBuy (3D Secure) division, you will sit at the intersection of business strategy, customer support, and technical execution. You will champion improvements in fraud mitigation and payment authentication features into actionable support processes, and you will collaborate with product organizations and vendors to implement improvements and appropriate solutions.

Serving as a trusted, client-impacting advisor, you will bridge the gap between internal product teams, stakeholders, and customers solving critical roadblocks. Your expertise in global payment standards (such as 3D Secure and EMV) will be vital in driving product execution and ensuring a secure, seamless transaction experience.

Core Responsibilities:

• Technical Leadership: Lead and mentor certification and support staff, fostering a collaborative environment and guiding team toward high-quality delivery

• Initiative Planning & Monitoring: Develop, maintain, and track comprehensive project plans

• Strategic Decision-Making: Make critical determinations regarding functionality, certification and support requirements

• Subject Matter Consultation: Provide deep product and technical consultation to working teams to drive results, leveraging specialized knowledge of payment networks and 3D Secure protocols

• Quality Assurance & Sign-off: Review and formally sign off on completed certification projects, as well as user acceptance testing of system enhancements and new product development

• Client-Impacting Problem Solving: Proactively identify, troubleshoot, and resolve critical bottlenecks and issues, partnering with cross-functional and client-facing teams to clear roadblocks and to ensure that root causes are identified and actioned.

Basic Qualifications:

• High school diploma, GED or equivalent certification

• At least 5 years of experience in product management, business analysis, relationship management or IT

Preferred Qualifications:

• Associate’s or Bachelor’s Degree in Computer Science, Business or Technology

• Direct hands-on experience or technical familiarity with payment authentication protocols, specifically 3D Secure (3DS) and EMV standards

• Experience in a client-facing or client-impacting technical consulting role, managing external stakeholders and solving client processing issues

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. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Chicago, IL: $138,100 - $157,700 for Principal Technical Consultant

Riverwoods, IL: $138,100 - $157,700 for Principal Technical Consultant

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate’s offer letter.

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. 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 (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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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).