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Capital One

Senior Distinguished Engineer - Payment Cryptography (Remote-Eligible)

Sorry, this job was removed at 06:11 p.m. (PST) on Tuesday, Nov 18, 2025
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Remote or Hybrid
3 Locations
281K-352K Annually
Remote or Hybrid
3 Locations
281K-352K Annually

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Senior Distinguished Engineer - Payment Cryptography (Remote-Eligible)
As a Sr. Distinguished Engineer at Capital One, you will be a part of a community of technical experts working to define the future of banking in the cloud. You will work alongside our talented team of developers, machine learning experts, product managers and people leaders. Our Distinguished Engineers are leading experts in their domains, helping devise practical and reusable solutions to complex problems. You will drive innovation at multiple levels, helping optimize business outcomes while driving towards strong technology solutions.
You will operate as a trusted advisor for our key technologies, platforms and capability domains, creating clear and concise communications, code samples, blog posts and other material to share knowledge both inside and outside the organization. You will specialize in a particular subject area, but your input and impact will be sought and expected throughout the organization.
We are a forward-leaning, highly technical group dedicated to pioneering innovative cryptographic solutions that protect every transaction and consumer interaction. Your work will directly influence and innovate the security features embedded in our physical and digital products.
The Senior Distinguished Engineer in Payments Cryptography will operate at the intersection of advanced cryptography, payment industry standards, and physical hardware. You will play a key role designing and implementing the cryptographic foundations that make our physical cards secure, from the moment they are manufactured to every point-of-sale interaction. Passionately track payment cryptography trends and proactively identify opportunities to develop innovative solutions for next-generation payment instruments.
The ideal candidate will be focused on delivering critical and key enterprise data protection controls, building efficient supporting processes and comprehensive automation capabilities to protect and enable our Card business.
Key responsibilities:
  • Articulate and evangelize a bold technical vision for your domain
  • Decompose complex problems into practical and operational solutions
  • Ensure the quality of technical design and implementation
  • Serve as an authoritative expert on non-functional system characteristics, such as performance, scalability and operability
  • Continue learning and injecting advanced technical knowledge into our community
  • Handle several projects simultaneously, balancing your time to maximize impact
  • Act as a role model and mentor within the tech community, helping to coach and strengthen the technical expertise and know-how of our engineering and product community
  • Work with payment ecosystem partners, i.e. payment networks, Chip Card personalization vendors and cloud service providers on security solutions design and compliance

Basic Qualifications:
  • Bachelor's Degree
  • At least 9 years of experience in Enterprise architecture and design patterns
  • At least 9 years of experience in Security engineering and architecture
  • At least 9 years of experience in cloud computing (AWS, Microsoft Azure, Google Cloud)

Capital One is open to hiring a Remote Employee for this opportunity.
Preferred Qualifications:
  • Bachelor's or Master's Degree in Information Security , Computer Science or a related field
  • 10+ years of professional experience coding in commonly used languages like Java, Python, Go, JavaScript/TypeScript, Swift
  • 10+ years of professional experience in the full lifecycle of system development, from conception through architecture, implementation, testing, deployment and production support
  • 10+ years of experience in Cryptography and Hardware Security Modules (HSMs)
  • 10+ years of experience securing financial transactions
  • Strong understanding of Cloud Security, Cryptography, DevSecOps, Information Security, Key/Secrets Management, PKI (automation, controls, governance, lifecycle management, operations, process engineering, and security standards development)
  • CISSP (Certified Information Systems Security Professional ) certification
  • 7+ years of experience in EMV profile security
  • 7+ years of experience in Payment Hardware Security Module (Thales Payshiled 10k or similar industry standard payment HSMs)

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.
Remote (Regardless of Location): $280,600 - $320,200 for Sr Distinguished Engineer
Chicago, IL: $280,600 - $320,200 for Sr Distinguished Engineer
McLean, VA: $308,700 - $352,300 for Sr Distinguished Engineer
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 [email protected] . 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 [email protected]
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).

Capital One San Francisco, California, USA Office

Located in the South of Market district, our San Francisco office has everything you need for a flexible work environment. Associates in the office have easy access to public transportation, plenty of restaurants and spacious and comfortable work spaces.

What you need to know about the San Francisco Tech Scene

San Francisco and the surrounding Bay Area attracts more startup funding than any other region in the world. Home to Stanford University and UC Berkeley, leading VC firms and several of the world’s most valuable companies, the Bay Area is the place to go for anyone looking to make it big in the tech industry. That said, San Francisco has a lot to offer beyond technology thanks to a thriving art and music scene, excellent food and a short drive to several of the country’s most beautiful recreational areas.

Key Facts About San Francisco Tech

  • Number of Tech Workers: 365,500; 13.9% of overall workforce (2024 CompTIA survey)
  • Major Tech Employers: Google, Apple, Salesforce, Meta
  • Key Industries: Artificial intelligence, cloud computing, fintech, consumer technology, software
  • Funding Landscape: $50.5 billion in venture capital funding in 2024 (Pitchbook)
  • Notable Investors: Sequoia Capital, Andreessen Horowitz, Bessemer Venture Partners, Greylock Partners, Khosla Ventures, Kleiner Perkins
  • Research Centers and Universities: Stanford University; University of California, Berkeley; University of San Francisco; Santa Clara University; Ames Research Center; Center for AI Safety; California Institute for Regenerative Medicine

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