Director, Payment Network Technology Risk

Director, Payment Network Technology Risk

Capital One is one of the fastest growing organizations in the world today, powered by our passion for our customers. We are serious about technology, we dream big, and we execute : Capital One moved our entire enterprise to the public cloud over the course of five years. Just as we prioritize driving innovation through technology, we equally prioritize cybersecurity, reliability, software quality, and data management.

Technology & Data Risk Management (TDRM) is a small organization that packs a big punch. The ~200 professionals in TDRM are trusted experts who oversee ~14,000 developers at Capital One. We raise the bar for excellence in cybersecurity, reliability, and tech risk, and data management risk. We shape strategy and decisions, challenge activities to ensure they meet our standards, and perform independent tests of our security and technology risk.

For years, the cybersecurity community has debated whether the CISO should report to the CIO or not. In regulated financial services, the answer is : both. The first-line CISO has operational responsibilities and reports to the CIO. The second-line Chief Tech Risk Officer (CTRO) and the Tech & Data Risk Management (TRM) organization have broader responsibilities for cybersecurity but also reliability, software quality, resilience, and the risk of failing to manage our data. The CTRO is independent and oversees the work of the CISO, the CIO / CTO, and the Chief Data Officer. The CTRO reports to the Chief Risk Officer, who reports directly to the CEO.

Our business leaders must make technology decisions constantly. TDRM makes sure they have the tech and data risk information they need to make good decisions. Associates within TDRM are highly-skilled information security, cybersecurity, site reliability engineering, technology, data analyst, data scientist, and risk management professionals. They have a wealth of experience and a demonstrated ability to add value with their advice and to deliver high-impact results.

Director, Payment Network Technology Risk

We are actively seeking a highly technical and influential thought leader to join our team as a Director, Payment Network Technology Risk. This pivotal individual contributor role demands a proven track record of partnering with senior business and technology leaders to proactively identify and strategically mitigate complex technology risks.

The ideal candidate will possess a profound, hands-on understanding of global Credit and Debit Card Payment Network architectures (spanning both legacy systems and cutting-edge modern stacks), viewed through a dual lens of deep technical insight and robust risk management expertise within a fast-paced financial services payments environment. We value experience with traditional data centers infrastructure, but public cloud architecture and engineering proficiency, particularly within AWS will be a great addition.

In this role, you will be instrumental in forging collaborative relationships and exerting significant influence across engineering and risk teams throughout Capital One.

Responsibilities :

Serve as a technical authority, providing rigorous oversight and feedback to Payment Network Line of Business (LOB) integration activities, including strategic initiatives, tooling, processes, and technical requirements.

Strategically influence Capital One's Payment Network LOB reliability roadmap, leveraging your deep understanding of resilient system architectures and large-scale operations.

Collaborate intensely with LOB architects, product managers, engineers, and Site Reliability Engineering (SRE) teams to thoroughly comprehend existing technologies, processes and approaches, driving impactful changes.

Provide expert counsel on the development and implementation of robust policies and standards to effectively guide our critical technology migration and modernization efforts.

Basic Qualifications :

Bachelor’s Degree or military experience

At least 10 years of experience in technology, reliability engineering, operational resilience, or risk management

At least 3 years of experience with payment networks, financial payment processes or technologies

Preferred Qualifications :

Understanding of payment network transactional processing systems, real-time analytics, and fraud detection technologies within a high-volume financial context.

Prior experience working directly within or extensively collaborating with the technology and / or operations teams of a major global payment network (e.g., Visa, Mastercard, American Express), understanding their unique operational models and resilience challenges.

Strong technical or business architecture experience with major card payment networks (e.g., authorization, clearing / settlement systems, fraud, or dispute technologies).

Possess a recognized Cloud certification (e.g., AWS Solutions Architect Professional, GCP Professional Cloud Architect, or other relevant cloud engineering / architecture certifications).

Demonstrated experience with financial sector regulatory practices and providing effective challenges from a second line of defense perspective.

Proven expertise in performing, documenting, and effectively communicating complex technology risk assessments to diverse audiences.

5+ years of hands-on, practitioner experience with large-scale public cloud technologies (AWS and GCP), including advanced cloud tooling, best practices, and technical architecture patterns.

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.

McLean, VA : $263,900 - $301,200 for Director, Cyber Technical New York, NY : $287,800 - $328,500 for Director, Cyber Technical Richmond, VA : $239,900 - $273,800 for Director, Cyber Technical Riverwoods, IL : $239,900 - $273,800 for Director, Cyber Technical

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 theCapital 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.

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 RecruitingAccommodation@capitalone.com. 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 Careers@capitalone.com

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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).