# Sr. Director, ACH Operations (Hybrid) at Capital One

Capital One is hiring a Sr. Director, ACH Operations (Hybrid). Level rates it Little AI ●○○○; you can [apply on Capital One](https://jobsbylevel.com/go/9daf8b12-dc13-4b79-aec8-a9648388ed04?utm_medium=ai-agent).

AI Level 1, AI centrality 33 out of 100. Richmond, VA.

## Details

- Company: [Capital One](https://jobsbylevel.com/companies/capital-one)
- AI level: AI Level 1 (score 33 out of 100)
- Location: Richmond, VA
- Posted: November 2, 2026
- Apply: https://jobsbylevel.com/go/9daf8b12-dc13-4b79-aec8-a9648388ed04?utm_medium=ai-agent
- Free CV review for this job: https://jobsbylevel.com/cv-review?job=sr-director-ach-operations-hybrid-at-capital-one-81d6c9

## Description

Sr. Director, ACH Operations (Hybrid) Capital One’s Enterprise Payment Operations organization is seeking a talented senior leader to lead the ACH Operations team. Capital One is a Top 5 user of the ACH network in the United States. ACH is a primary payment rail for many of our core businesses including Card, Bank, Auto Finance, and Commercial. As Sr. Director, ACH Operations, you will oversee the day-to-day work of Capital One’s ACH (Automated Clearing House) network, ensuring the accurate and timely processing of ACH payments while adhering to compliance regulations, managing risk, and resolving any discrepancies that may arise. You will be responsible for all file processing during Fed processing hours throughout the week and also the handling of returns and exceptions. You will be responsible for influencing simplification, automation, and modernization efforts across these critical business processes. You will partner with and advise ACH initiation teams across all Capital One lines of business. You will manage all well-managed activities for the ACH payment rail, including leading through incidents, risk events, audits, and exams. You will play a key role in defining the future agenda for the ACH payment rail and partner effectively with other payment rail leaders to drive Capital One’s payment capabilities forward. You will actively engage in NACHA and other key industry forums to represent Capital One’s perspective as one of the largest users of the ACH network. Key Competencies: Strategic Orientation A strategic thinker who can effectively design, influence and execute against high impact initiatives and complex problems Forward lean on using technology in operations to drive value for the business Curiosity about macro trends; has a strong outside-in perspective Results Focused Proven track record in delivering high quality results and executing consistently well managed operations Communication Highly effective communicator with the ability to communicate complex content at various levels Problem Solving Strong analytical problem solving skills Demonstrated ability to leverage data, judgment, and experience to make complex decisions Collaboration, Influencing and Leadership Experience in leading Operations teams through technology transformations; Proven ability to work collaboratively with product and tech teams from discovery through delivery of new features Team player with management experience; solid track record of influencing others, building partnerships, and ability to interact with all levels of the organization Serve as an inspiring role model, a leader the team wants to emulate; inspire followership, associate growth, and excitement around the vision and future Ability to attract and retain top talent for the organization Location: This role is designated as a hybrid position. You are expected to adhere to Capital One's hybrid policy regarding required on-site presence at your designated office location. Basic Qualifications High School Diploma, GED, or equivalent certification At least 5 years of financial services experience At least 5 years of people management experience At least 7 years of experience in risk management, payments, project management, process management, operations, or a combination Preferred Qualifications Bachelor's Degree or military experience At least 3 years ACH experience PMP, Lean, Agile or Six Sigma certification NACHA certifications At least 3 years experience leading through technology transformation for an operational team At least 10 years of experience serving in a strategic initiatives, risk management, payments, operations, or project management lead role in a large, matrixed organization At this time, Capital One will not sponsor a new applicant for employment authorization, or offer any immigration related support for this position (e.g. H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, E-3, and O-1, or any other forms of work authorization that require immigration

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