Associate, Process Manager

We are seeking a detail-oriented and analytical Gateway & Network Billing Specialist to manage, optimize, and reconcile our payment gateway and card network billing operations. In this role, you will be responsible for tracking, auditing, and processing complex transaction fee structures from major card networks (Visa, Mastercard) and payment gateways (e.g., Stripe, Adyen, Authorize.net). You will ensure accurate revenue settlement, eliminate billing leaks, and partner with finance, engineering, and product teams to optimize processing costs.

General Responsibilities:

• Network & Gateway Fee Auditing: Review, reconcile, and audit complex monthly invoices from payment gateways, acquiring banks, and card networks (interchange fees, assessment fees, gateway processing fees).
• Transaction Billing & Settlement: Oversee end-to-end payment gateway transaction billing, ensuring accurate fee application, payout reconciliation, and revenue assurance across all payment methods.
• Discrepancy & Dispute Resolution: Identify, investigate, and resolve billing anomalies, interchange downgrades, chargeback fees, and unexpected network penalties alongside processor account managers.
• Financial Reporting & Analytics: Build and maintain financial dashboards to track processing cost trends, cost-per-transaction metrics, and margin impacts to present actionable insights to leadership.
• Process Optimization: Continuously evaluate current payment routing and fee schedules to recommend cost-reduction strategies and eliminate manual reconciliation workflows.
• Cross-Functional Collaboration: Partner with Engineering, Product, and Finance to ensure new billing features, payment methods, or gateway integrations are configured correctly for accurate fee tracking.
• Compliance & Governance: Ensure all billing practices and data handling conform to PCI-DSS standards and relevant financial compliance regulations.

Basic Qualifications:

• High School Diploma, GED or equivalent certification
• At least 1 year of experience with Microsoft Office or G Suite
• At least 1 year of process management experience

Preferred Qualifications:

• Bachelors Degree
• Lean, Agile, Six Sigma, Business Process Management, or Project Management certification

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

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. 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).