Remote Principal ACH Disputes Coordinator – Enterprise Payments Operations Specialist (Full‑Time, Immediate Start)

Why Join Our Visionary Payments Team?

At Capital One, we are redefining the future of retail banking by harnessing cutting‑edge technology, data‑driven insights, and a culture that celebrates curiosity. Our Enterprise Payments division is one of the largest and most innovative arms of the Retail Bank, delivering seamless, secure, and fast money movements for millions of customers every day. As part of the broader Enterprise Payment Operations team, you will work alongside forward‑thinking professionals who are passionate about creating an unforgettable experience for both associates and clients.

We are seeking a dynamic, detail‑oriented leader to act as the cornerstone of our Automated Clearing House (ACH) disputes workflow. This is a remote, full‑time role that combines strategic coordination, analytics, and process‑improvement expertise—all while supporting a high‑volume, fast‑paced environment. If you thrive on solving complex problems, love leveraging data to drive efficiency, and want to be part of a culture that rewards innovative thinking, this opportunity is built for you.

Position Overview

As the Remote Principal ACH Disputes Coordinator, you will be the go‑to expert for the end‑to‑end lifecycle of ACH claim processing. You will partner closely with cross‑functional teams—including compliance, fraud, product, and technology—to ensure every dispute is handled accurately, quickly, and in line with regulatory standards. Your role will be instrumental in maintaining the integrity of our ACH ecosystem and safeguarding the trust our customers place in Capital One.

Key Responsibilities

• Claim Review & Processing: Evaluate, investigate, and resolve 50‑75 ACH disputes daily, ensuring each claim meets compliance criteria and internal guidelines.
• Accuracy Assurance: Apply rigorous attention to detail to prevent errors, proactively identify discrepancies, and correct data inconsistencies.
• Collaboration & Problem Solving: Partner with team leads, fraud specialists, and product owners to troubleshoot complex claims and develop root‑cause solutions.
• Process Optimization: Lead continuous‑improvement initiatives, propose automation opportunities, and refine Standard Operating Procedures (SOPs) to increase throughput and reduce turnaround time.
• Metrics & Reporting: Meet and exceed daily processing targets, produce performance dashboards, and communicate insights to senior leadership.
• Cross‑Functional Support: Assist other payment operations teams as needed, including wire transfers, debit card settlements, and dispute escalation pathways.
• Knowledge Sharing: Conduct training sessions for junior coordinators, document best practices, and serve as a subject‑matter expert for ACH dispute handling.

Essential Qualifications

• Education: High School Diploma, GED, or equivalent; advanced education or certifications in finance, payments, or business analysis is a plus.
• Experience: Minimum of 1 year in banking, financial services, or a related payments environment, with a demonstrated ability to manage claims or dispute resolution.
• Technical Proficiency: Comfortable navigating payment platforms, claim management systems, and internal ticketing tools; basic Excel/Google Sheets skills required.
• Communication: Strong written and verbal communication skills; ability to translate complex regulatory language into clear action steps.
• Remote Work Readiness: Secure, distraction‑free home office, reliable high‑speed fiber or cable internet (minimum 5 Mbps VPN, 10 Mbps preferred), and compliance with Capital One’s work‑from‑home technology standards.

Preferred Qualifications

• At least 1 year of direct experience managing ACH disputes in a high‑volume, time‑sensitive environment.
• Hands‑on familiarity with NACHA rules, Regulation E, and other relevant ACH regulatory frameworks.
• Prior exposure to process‑automation tools such as RPA (Robotic Process Automation) or workflow orchestration platforms.
• Experience delivering process‑improvement projects using Lean, Six Sigma, or similar methodologies.
• Professional certifications such as Certified Payments Professional (CPP) or Certified Anti‑Money Laundering Specialist (CAMS).

Core Skills & Competencies

• Analytical Acumen: Ability to dissect large data sets, spot trends, and make data‑driven decisions.
• Problem‑Solving Mindset: Proactive in identifying root causes and designing practical, scalable solutions.
• Customer‑Centric Focus: Understand the impact of disputes on the end‑user experience and strive for resolutions that boost satisfaction.
• Team Collaboration: Comfortable partnering across geographies and functional silos, fostering a culture of shared success.
• Adaptability: Thrive in a fast‑changing environment, quickly assimilating new tools, policies, and regulatory updates.
• Integrity & Compliance: Commitment to upholding the highest ethical standards and adhering to all internal and external regulations.

Career Growth & Learning Opportunities

Capital One invests heavily in the professional development of its associates. As a Principal ACH Disputes Coordinator, you will have access to:

• Mentorship Programs: Pairing with senior leaders in Payments Operations for career guidance and skill acceleration.
• Learning Platforms: Unlimited access to Coursera, Udemy Business, and internal Capital One University courses covering topics from advanced analytics to regulatory compliance.
• Internal Mobility: A clear pathway to roles such as Senior Operations Analyst, Payments Strategy Manager, or Product Owner within the broader Enterprise Payments ecosystem.
• Leadership Development: Opportunities to lead cross‑functional project teams, present at executive forums, and earn leadership certifications.

Work Environment & Culture

Our remote‑first philosophy is built on trust, flexibility, and a commitment to work‑life harmony. You will receive a stipend for home‑office setup, ergonomic equipment, and a monthly allowance for internet services that meet our performance standards.

Capital One’s culture emphasizes:

• Inclusion: A diverse workforce where every voice is valued and innovative ideas thrive.
• Collaboration: Regular virtual coffee chats, team‑building events, and cross‑departmental hackathons.
• Well‑Being: Comprehensive mental‑health resources, fitness‑class reimbursements, and flexible scheduling (8:30 AM – 7:00 PM EST core hours).
• Recognition: Spot awards, performance bonuses, and a "Payments Hero" program that celebrates exceptional contributions.

Compensation, Perks & Benefits

We offer a competitive salary range of $56,800 – $64,800 for this role, commensurate with experience, market benchmarks, and internal equity. In addition to base pay, eligible employees receive:

• Quarterly performance‑based bonuses.
• Comprehensive health, dental, and vision coverage (including telehealth).
• 401(k) matching and financial planning resources.
• Paid time off, parental leave, and paid holidays.
• Employee Assistance Program (EAP) and mental‑health days.
• Access to Capital One’s employee discount marketplace and tuition‑reimbursement program.

How to Apply

If you are ready to bring your expertise, enthusiasm, and analytical prowess to a leading financial institution that values innovation and people, we invite you to submit your application today. Join us in shaping the future of payments and delivering world‑class experiences to millions of customers.

Take the next step—apply now and become a vital part of our success story.