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Sr. Risk Associate (FS)

As a Senior Risk Associate in Capital One’s Financial Services Business Risk Office (first line of defense), you will provide professional risk judgment that enables business partners to tackle major company challenges. In this role, not only will you lean into your analytical and problem solving skills by developing and deploying innovative solutions to mitigate risks to the Company, but you will also grow your strategic and influencing skills as you create and implement risk strategies that enable the Company to win in the market. You will create order and sense out of complexity and uncertainty and enable confident, data-inspired decision making.

In this role, you will thrive in a cross-functional and collaborative environment that values unique perspectives, rewards innovation, and challenges the status quo. As an integral member of the team, you will have a high level of exposure across the division, partnering closely with senior business and risk office leaders, technology, compliance, legal, and Operational Risk Management.

In your role, you will:

+ **Develop a deep understanding of Auto Finance business strategies, products, services, and risk profile.**

+ **Manage end-to-end risk monitoring and governance processes.**

+ **Analyze Sales Practices data from multiple business lines to identify trends, mitigate conduct risk, and produce a monthly report for senior leadership.**

+ **Serve as a key liaison between the Business Risk Office and internal partners such as in Compliance, Fraud, and business teams to provide guidance, resolve issues, and ensure adherence to risk management frameworks.**

+ **Execute key governance controls that support regulatory reporting integrity by managing quarterly certification processes and securing leadership approvals for key filings.**

+ **Facilitate critical governance forums by preparing materials, managing logistics, facilitating meetings with senior leadership.**

+ **Provide independent challenge and oversight of first-line monitoring activities, escalating potential violations, control gaps, and trending risks to executive management and other stakeholders as required.**

+ **Support regulatory and financial reporting integrity by facilitating quarterly certifications and providing evidence for regulatory filings.**

+ **Analyze data to proactively identify emerging risks and trends, providing insights that support internal partners in their decision-making.**

+ **Identify opportunities to improve risk management practices by developing solutions to automate processes, eliminate waste, and enhance risk insights.**

+ **Demonstrate strong written and verbal communication skills, including developing and delivering presentations to senior leadership.**

Qualities of a Successful Candidate:

+ **Curious and Analytical** **- You ask "why," explore possibilities, and master data to drive innovative, evidence-based solutions. You are comfortable navigating ambiguity and bring a unique perspective to every challenge.**

+ **Discerning and Deliberative** **- You expertly navigate uncertainty and risk, steering your team away from impulsive or ill-informed decisions.**

+ **Action-Oriented and Results-Driven** **- You stay focused on your goals and are not deterred by roadblocks. You are highly organized, effectively juggling multiple deliverables and prioritizing your work with a constant focus on the customer.**

+ **Adaptable and Challenge-Oriented** **- You are energized by big, undefined, and complex problems, leveraging an insatiable appetite for learning to identify well-rounded solutions and seek out new challenges.**

+ **Passionate and Customer-Focused** **- You make it your business to understand their needs and goals, and strive to deliver an exceptional experience every time.**

+ **Communicative and Influential** **- You can concisely explain complex ideas and adapt your style to any audience and present comfortably to executive leadership.**

+ **Collaborative and Team-Oriented** **- You seek out diverse perspectives and insights from others, bringing energy to the group and rallying the team around a common goal.**

_Hybrid associates work in-office three days per week, Monday through Thursday. When we’re in the office, we’re not just getting work done—we’re collaborating, building relationships, and taking advantage of all our in-person resources, including health centers, cafeterias, green spaces and much more._

_Fridays are enterprise-wide virtual work days._

Basic Qualifications:

+ **High School Diploma, GED or equivalent certification ​**

+ **At least 2 years of experience in project, process, or risk management**

Preferred Qualifications:

+ **Bachelor's Degree**

+ **4+ years of experience in project or process management**

+ **4+ years of experience in risk management**

+ **3+ years of experience in presenting to senior leadership**

+ **1+ year of experience in change management**

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.

Plano, TX: $86,000 - $98,200 for Sr. Risk Associate

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 (https://www.capitalonecareers.com/benefits) . 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.

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 [email protected] . 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 [email protected]

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).