Card Product Analyst

Remote; San Francisco (CA); Hybrid; USD 110,000 - 150,000; Full time

Benefits offered by this job

Health plan

Dental plan

Vision plan

401k match

Remote or hybrid

Job summary

Forbright is seeking a Card Product Analyst to grow and manage the debit card program, including future secured card offerings. You will collaborate across Product, Operations, Marketing, Finance, Fraud, Compliance, Risk, Technology, Customer Care, and partners to translate data and feedback into executable solutions.

You will maintain card program reporting, manage network incentives, and identify opportunities to improve engagement, efficiency, and controls.

Qualifications

• Bachelor's degree in business, finance, economics, information systems, marketing, data analytics, or related field required.
• 3+ years of product management, product operations, business analysis, payments, or related field experience required.
• Experience with debit cards, card programs, and digital wallets preferred.
• Experience with card processors, networks, and vendors preferred.
• Experience gathering requirements and translating into enhancements preferred.
• Experience managing backlogs and user stories preferred.
• Experience in a regulated financial services environment preferred.
• Familiarity with card network mandates, Regulation E, fraud operations, and tokenization preferred.
• MS Office proficiency (Outlook, Word, PowerPoint, Excel) required.
• Excellent verbal, written, and interpersonal communication skills.

Responsibilities

• Build and maintain card program dashboards, scorecards, and management reports.
• Monitor activation, usage, transaction volume, fraud, disputes, and digital wallet adoption.
• Identify trends, risks, and opportunities; present findings to leadership and cross-functional partners.
• Manage network incentive reimbursements and documentation; monitor status.
• Coordinate rebates, reconciliations, and reporting with Network teams.
• Support network mandates, certifications, and quarterly reporting deadlines.
• Maintain relationships with networks, processors, and digital wallet partners; resolve issues.
• Define and maintain card product roadmap; assist backlog grooming and releases.
• Gather business requirements, rules, user stories, acceptance criteria, and flows.
• Coordinate testing, production validation, and release readiness; monitor post-production.
• Prepare executive-ready program updates and recommendations.
• Collaborate with Compliance, Risk, Legal, Fraud, Tech, Operations, Finance, Marketing, and Customer Care.

Skills

Analytical mindset

Communication skills

Time management

Team collaboration

Data-driven decisions

Regulatory awareness

Detail-oriented

Education

Bachelor's Degree in Business Administration, Finance, Economics, Information Systems, Marketing, Data Analytics, or related field

Tools

Outlook

Word

Excel

PowerPoint

Job description

Defining the future of work & living globally

COMPANY DESCRIPTION: Forbright is a nationwide full-service bank and commercial lender focused on helping to build a brighter future for our clients and the communities we serve. Forbright is committed to exceptional client service by providing seamless, innovative personal banking services to depositors and creative financing solutions to visionary middle market businesses and investors in healthcare, technology, financial services, real estate, and other industries.COMPANY CULTURE: We are a dynamic, high energy, fun, and fast-paced organization that has an exciting growth trajectory, meaningful mission, and embedded responsible practices into our daily interactions. We offer our team members a culture of collaboration, inclusion, flexibility, recognition, and giving back. We look to hire individuals that are passionate about our mission, and who are motivated, customer and results-oriented, innovative, adaptable, and thoughtful.COMPANY MISSION: We are a mission-driven institution. We operate a sound dynamic institution that is well capitalized, liquid, profitable and uses best practices to manage risk and assure compliance with laws and regulations. We use Forbright’s capital, capabilities, innovation, and expertise to help our clients succeed and contribute broadly to building a brighter future.JOB SUMMARY: The Card Product Analyst supports the growth, performance, and ongoing management of Forbright Bank's debit card program and future secured card offerings. This role works across Product, Operations, Marketing, Finance, Fraud, Compliance, Risk, Technology, Customer Care, and external partners to translate program data, customer feedback, network requirements, and business needs into well-defined, executable solutions. The Card Product Analyst maintains card program reporting, coordinates network and incentive requirements, supports product delivery, and identifies opportunities to improve cardholder engagement, customer experience, operational efficiency, and program controls.

DUTIES AND RESPONSIBILITIES:

Build, maintain, and enhance card program performance dashboards, scorecards, and recurring management reporting

Monitor and analyze card activation, usage, transaction volume, purchase activity, fraud, ATM activity, disputes, chargebacks, digital wallet adoption, and other customer engagement and program performance metrics

Identify performance trends, risks, and opportunities, and prepare clear findings and recommendations for product leadership and cross-functional partners

Manage Network incentive reimbursement activities, including tracking eligible commitments, coordinating required documentation with Marketing, submitting support, and monitoring reimbursement status

Partner with Operations and Finance to ensure Network rebates and reimbursements are accurately recorded, reconciled, and reported

Manage Network mandates, certifications, reporting obligations, and implementation requirements; coordinate quarterly network reporting submissions for accuracy and timeliness

Support day-to-day relationships with card networks, processors, ATM networks, digital wallet partners, and other vendors; coordinate issue resolution, operational readiness, and follow-up actions

Partner with Product leadership to define, prioritize, and maintain the card product roadmap and backlog; support backlog grooming, release planning, and prioritization activities

Gather and document business requirements, business rules, user stories, acceptance criteria, process flows, and functional specifications for card product and operational enhancements

Coordinate user acceptance testing, defect validation, production validation, release readiness, implementation planning, and post-production monitoring

Track roadmap commitments, implementation milestones, dependencies, risks, decisions, open questions, and required stakeholder actions; elevate issues when necessary

Analyze customer complaints, servicing trends, contact drivers, disputes, transaction exceptions, and Voice of Customer feedback to identify recurring pain points and enhancement opportunities

Partner with Operations, Customer Care, Fraud, and Technology to identify and implement product enhancements that reduce operational workload, manual intervention, call volume, and customer friction

Support customer communications, disclosures, launch activities, and change-management efforts associated with card program enhancements and network requirements

Support audit, compliance, risk, and regulatory examinations related to the card program, including gathering evidence, responding to requests, and tracking remediation items

Maintain card program documentation, procedures, controls, decision logs, governance materials, and implementation artifacts

Collaborate with Compliance, Risk, Legal, Fraud, Technology, Operations, Finance, Marketing, and Customer Care to advance product objectives and resolve issues

Prepare executive-ready reports, presentations, recommendations, and program updates

Perform other duties as assigned

QUALIFICATIONS:

Bachelor's Degree in Business Administration, Finance, Economics, Information Systems, Marketing, Data Analytics, or a related field required

Minimum of 3 years of experience in product management, product operations, business analysis, payments, card programs, banking operations, digital banking, fintech, or a related field required

Experience supporting debit card, prepaid card, credit card, secured card, payments, money movement, or digital wallet products preferred

Experience working with card processors, payment networks, ATM networks, digital wallets, or card program vendors preferred

Experience gathering business requirements and translating business needs into product or process enhancements preferred

Experience managing backlogs, user stories, acceptance criteria, testing, and prioritization processes preferred.

Experience working in a regulated financial services environment preferred

Familiarity with card network mandates and rules, Regulation E, card disputes, fraud operations, digital wallets, tokenization, and card servicing processes preferred

Proficiency with Microsoft Office tools, including Outlook, Word, PowerPoint, and Excel

Excellent verbal, written, and interpersonal communication skills

Strong organizational skills and attention to detail

Outstanding analytical, problem-solving, and time-management skills

Ability to translate data, customer feedback, network requirements, and operational information into practical recommendations

Self-motivated, self-directed, and results-oriented

Adaptable and able to manage multiple priorities in a fast-paced environment

Can work independently and within a team; solution-oriented with a collaborative approach

PERKS/BENEFITS:

Comprehensive health, dental, and vision plans

401k + company match

Metro SmartTrip benefits ($50/mo)

Remote or hybrid (4 days per week in-office) work schedules for most positions

Incentives for purchasing solar panels, electric vehicles, biking to work, etc.

Paid subscriptions to Veterans Compost, Capital Bikeshare, Imperfect Foods reimbursement, and more!

The Washington Post Top Workplaces winner for four consecutive years (2023-2026)