Senior Payment Operations Specialist Jobs
Senior Payment Operations Specialist jobs are open across fintech, banking, payments technology, and financial services, from mid-level analyst to senior and lead roles, with specializations in transaction processing, reconciliation, and payment systems operations. Find a role that fits below and apply directly.
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Showing 5 of 69+ Senior Payment Operations Specialist jobs
Summary:
The Global Payment Network is a unique network built for global connectivity and partnership. The foundation of our global reach and payments infrastructure rests on three powerful payments leaders and distinct network brands that have operated together for almost two decades.
Discover Network is an international acceptance network that provides global acceptance to cardholders of participating Issuers from around the world
Diners Club International is a premium issuing brand that has 40+ issuers in 35+ countries; the Diners Club network is an international network that provides global acceptance to cardholders of participating Issuers from around the world
Pulse is a leading U.S. debit network known for its strength in real-time debit and an extensive global ATM network
Our analytics teams help power the Global Network by transforming complex payment activity into actionable insights. From monitoring billions of transactions to supporting fraud prevention, merchant strategy, and partner performance, they help ensure our network runs smarter, faster, and more secure.
As a Senior Manager, Business Analysis at Capital One, you will apply your strategic and analytical skills to major company challenges. You will lead and team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you'll do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.
General Responsibilities:
Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior
Business ownership: Have an ownership mindset, and potentially P&L accountability for a business segment. Strategic planning with a 1-6 month horizon
Leadership: May manage and develop a team of analysts. Coaching and mentoring associates throughout the organization with a goal of developing and retaining talent at Capital One
Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics
Marketing: Lead direct to consumer marketing efforts for select products, and strategic intent for products distributed through various channels. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies
Credit Risk: Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
Execution: Coordinate across the line of business to manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently
Partnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability
Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management
Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business
Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. He/she should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results
Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment
Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus
Basic Qualifications:
Bachelor’s Degree
At least 3 years of experience performing quantitative analysis
At least 3 years of experience performing qualitative analysis
At least 1 year of experience performing people management
At least 1 year of experience performing project management
Preferred Qualifications:
Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
5+ years of experience in quantitative analysis
5+ years of experience in qualitative analysis
2+ years of experience in people management
2+ years of experience in product development
2+ years of experience in financial modeling
2+ years of experience in economic forecasting
2+ years of experience in project management
Capital One will consider sponsoring a new qualified 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: $182,500 - $208,300 for Sr. Business Manager; $149,800 - $171,000 for Business ManagerMcLean, VA: $200,700 - $229,100 for Sr. Business Manager; $164,800 - $188,100 for Business Manager
Riverwoods, IL: $182,500 - $208,300 for Sr. Business Manager; $149,800 - $171,000 for Business Manager
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.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
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).
Summary:
The Global Payment Network is a unique network built for global connectivity and partnership. The foundation of our global reach and payments infrastructure rests on three powerful payments leaders and distinct network brands that have operated together for almost two decades.
Discover Network is an international acceptance network that provides global acceptance to cardholders of participating Issuers from around the world
Diners Club International is a premium issuing brand that has 40+ issuers in 35+ countries; the Diners Club network is an international network that provides global acceptance to cardholders of participating Issuers from around the world
Pulse is a leading U.S. debit network known for its strength in real-time debit and an extensive global ATM network
Our analytics teams help power the Global Network by transforming complex payment activity into actionable insights. From monitoring billions of transactions to supporting fraud prevention, merchant strategy, and partner performance, they help ensure our network runs smarter, faster, and more secure.
As a Senior Manager, Business Analysis at Capital One, you will apply your strategic and analytical skills to major company challenges. You will lead and team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you'll do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.
General Responsibilities:
Strategic leadership: Develop business strategies that will drive growth, profitability, and competitive success for Capital One in the face of shifting consumer and regulatory behavior
Business ownership: Have an ownership mindset, and potentially P&L accountability for a business segment. Strategic planning with a 1-6 month horizon
Leadership: May manage and develop a team of analysts. Coaching and mentoring associates throughout the organization with a goal of developing and retaining talent at Capital One
Product: Develop and implement new product and pricing strategies for various lending products; lead product level modeling/analytics
Marketing: Lead direct to consumer marketing efforts for select products, and strategic intent for products distributed through various channels. Build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies
Credit Risk: Drive step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
Execution: Coordinate across the line of business to manage and sequence delivery of business intent, build business requirements and execute against the product strategy. Oversee multiple projects and programs concurrently
Partnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability
Strategic & analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management
Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business
Solid people leadership experience: Ability to build and leverage the capabilities of a high-performing team, as well as business partners across the enterprise. He/she should foster innovation, drive critical decisions, hold business partners accountable, and be able to consistently deliver results
Strong executive communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment
Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus
Basic Qualifications:
Bachelor’s Degree
At least 3 years of experience performing quantitative analysis
At least 3 years of experience performing qualitative analysis
At least 1 year of experience performing people management
At least 1 year of experience performing project management
Preferred Qualifications:
Master’s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
5+ years of experience in quantitative analysis
5+ years of experience in qualitative analysis
2+ years of experience in people management
2+ years of experience in product development
2+ years of experience in financial modeling
2+ years of experience in economic forecasting
2+ years of experience in project management
Capital One will consider sponsoring a new qualified 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: $182,500 - $208,300 for Sr. Business Manager; $149,800 - $171,000 for Business ManagerMcLean, VA: $200,700 - $229,100 for Sr. Business Manager; $164,800 - $188,100 for Business Manager
Riverwoods, IL: $182,500 - $208,300 for Sr. Business Manager; $149,800 - $171,000 for Business Manager
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.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
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).
Senior Payment Operations Specialist Jobs by Experience Level
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Find JobsSenior Payment Operations Specialist Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services10
- Insurance3
- Investment & Asset Management3
- Technology & Software2
- Retail1
What Employers Look For
The qualifications that appear most often in senior payment operations specialist jobs.
- 3 or more years of experience in payment operations, treasury operations, or transaction processing
- Hands-on experience with ACH, wire transfers, SWIFT, or card payment processing workflows
- Proficiency with payment platforms, core banking systems, or payment gateway integrations
- Strong reconciliation skills including identifying and resolving payment exceptions and breaks
- Familiarity with PCI DSS compliance requirements and payment fraud controls
- Bachelor's degree in finance, accounting, business, or a related field
Tips for Your Senior Payment Operations Specialist Job Search
Quantify your transaction volume experience
Hiring managers want to see scale. On your resume, specify the daily transaction volumes you managed, the payment rails you worked on, and the error or dispute rates you reduced. Vague operations experience won't stand out against candidates who cite specifics.
Highlight certifications in payment systems
Credentials like AAP, CPP, or relevant card network certifications signal that you understand the regulatory and technical layers of payment operations. List these prominently and note the issuing body so recruiters and applicant tracking systems both catch them.
Apply early to roles that fit
Migrate Mate lists senior payment operations specialist openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target job descriptions that name your payment rails
Roles specifying ACH, SWIFT, wire, card processing, or real-time payments each require distinct expertise. Filter your search by the rails you know best so your resume aligns tightly with what the employer is actually trying to solve, not just generic operations experience.
Prepare for a technical reconciliation exercise
Many interview processes for this role include a practical exercise involving a reconciliation discrepancy or a payment exception scenario. Review your process for identifying breaks, escalating unresolved items, and documenting root cause so you can walk through it clearly under interview conditions.
Negotiate around on-call and cutover obligations
Payment operations roles often carry weekend on-call rotations and system migration cutover windows. When you reach the offer stage, ask directly about on-call frequency and compensation, expected cutover schedules, and how incident response is staffed so you can evaluate the full workload.
Senior Payment Operations Specialist Jobs: Frequently Asked Questions
Which companies are hiring the most senior payment operations specialists?
The companies hiring the most senior payment operations specialists right now include Capital One, Sunflower Bank, and Visa, with the largest share of openings in Texas, Virginia, and Florida, based on current listings on Migrate Mate as of July 2026. Demand is concentrated at banks, payment processors, and fintech platforms managing high transaction volumes.
How many senior payment operations specialist jobs are remote?
About 79% of senior payment operations specialist openings are fully remote or hybrid as of July 2026, with remote availability highest in reconciliation, exception management, and payment monitoring roles. Positions that require direct coordination with treasury, compliance, or banking partners tend to favor in-office or hybrid arrangements more often.
How do you become a senior payment operations specialist?
Start in a payments, treasury, or financial operations analyst role to build hands-on experience with transaction processing and reconciliation. Develop fluency in at least one major payment rail such as ACH, wire, or card processing. Pursue credentials like the AAP or CPP to signal domain depth. Move into senior roles by owning exception resolution processes, contributing to system migrations, and demonstrating familiarity with compliance frameworks like PCI DSS.
Can you get hired as a senior payment operations specialist with limited experience?
Breaking directly into a senior role without operations experience is difficult, but candidates who transition from adjacent functions can move faster. Treasury analysts, accounts receivable specialists, and banking operations associates who can demonstrate reconciliation ownership, payment exception handling, or system integration work are often competitive. Certifications and a clear narrative about your exposure to payment workflows help bridge the gap on a resume.
What does the senior payment operations specialist interview process look like?
Most processes run three to four stages. An initial recruiter screen focuses on your payments background and tools experience. A hiring manager interview covers your reconciliation approach, exception handling, and experience with specific payment rails. Many employers add a practical exercise involving a mock break or discrepancy scenario. Final rounds often include a conversation with compliance, treasury, or a cross-functional stakeholder who will depend on the role.
Where can I find and apply to senior payment operations specialist jobs?
You can find and apply to senior payment operations specialist jobs on Migrate Mate, which lists current openings from across the United States. Find roles that match your background and apply directly to each listing.
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