Sr. Manager, ACH Operations (Hybrid)

As an ACH Operations Senior Manager within the Enterprise Payments Operations organization, you will oversee the day-to-day operations of the bank's Automated Clearing House (ACH) network and transaction monitoring for various Lines of Business. You will lead an operating team of approximately 12 to 18 associates and two direct reports, driving the achievement of individual, team, and business metric goals in a fast-paced, remote-friendly environment. In this role, you will be instrumental in influencing simplification, automation, and modernization efforts, leading the build-out of transaction/file monitoring capabilities across all payment rails. You will collaborate with smart, passionate leaders across the organization to influence results that have a direct impact on the company’s bottom line while ensuring all processes remain "well-managed" through proactive risk mitigation and strategic project management.

The ACH Operations Senior Manager is responsible for the following:

Operational Oversight & Processing

• ACH & Payment Management: Oversee the daily processing of ACH transactions—including file submissions, data validation, and settlement—while ensuring strict adherence to NACHA rules and regulations.

• Transaction/File Monitoring: Manage hourly, daily, and monthly transaction monitoring across all enterprise payment rails in partnership with product and technology teams.

• Exception & Incident Management: Lead the investigation and resolution of complex exceptions (returns, NOCs, unauthorized transactions) and oversee incident management related to payment initiation and reconciliation.

• Service Level Excellence: Actively monitor department performance to ensure all service levels are consistently met or exceeded.

Leadership & People Management

• Team Development: Manage, coach, and develop 2 direct reports and a team of 12–18 associates, fostering a high-performance culture in a remote work environment.

• Thought Leadership: Serve as a subject matter expert on emerging payments to ensure monitoring capabilities keep pace with evolving technology landscapes.

Risk, Compliance & Audit

• Regulatory Oversight: Stay updated on regulatory changes, ensuring compliance with internal and external procedures while performing periodic self-audits.

• Risk Mitigation & Fraud: Monitor for fraudulent activity and implement robust controls to minimize risk associated with electronic transactions.

• Audit & Continuity: Manage department audit remediation efforts, establish internal controls, and execute business continuity tasks during disaster recovery scenarios.

Strategy & Process Improvement

• Process Modernization: Analyze operational procedures to recommend and implement modifications that improve quality, efficiency, and automation.

• Cross-Functional Collaboration: Partner with stakeholders across the ACH value stream and various business units to solve complex issues and drive process change.

• Project Management: Lead cross-functional projects and system optimizations, including software upgrades and configuration changes in partnership with technical teams.

• Reporting & Analysis: Generate comprehensive reports on activity and performance metrics to identify trends and strategic areas for improvement.

Location: West Creek 5 (Richmond, VA) or Center 2 (Mc Lean, VA) or 802 Delaware Ave (Wilmington, DE) - this role is Hybrid, where you will be expected to spend 3 days per week working in office and the remainder of the week working virtually.

Basic Qualifications:

• Bachelor's Degree or Military Experience

• At least 5 years of People Management experience

• At least 3 years of process or project management experience

• At least 3 years of experience in ACH operations

• At least 3 years of experience supporting, partnering and interacting with internal and external business clients

Preferred Qualifications:

• Master’s Degree

• PMP, Lean, Agile, or Six Sigma certification

• At least 2 years of experience delivering large-scale initiatives in support of organizational change

• At least 5 years of experience working in payments

• At least 5 years of experience in risk management, compliance, or audit

• At least 5 years of experience in leading cross-functional teams within an organization

• At least 7 years of People Management experience

• At least 7 years of Process Management experience

• At least 3 years of experience with relationship 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.

Mc Lean, VA: $163,900 - $187,100 for Sr.

Department Ops Manager:

Richmond, VA: $149,000 - $170,000 for Sr.

Department Ops Manager:

Wilmington, DE: $149,000 - $170,000 for Sr.

Department Ops 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.

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