Product Owner - Q2 + MANTL

About Us
Capital Bank N.A. is headquartered in Maryland, and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

The Product Owner - Digital Banking & Deposit Origination is responsible for serving as the primary business owner of the Bank's digital banking platform (Q2) and deposit account origination platform (MANTL). Acting as the central liaison between business stakeholders, technology teams, and vendors, this role ensures continuous improvement of the Bank's digital customer experience, deposit and treasury management service origination processes, operational efficiency, and regulatory compliance. This role ensures the organization is using all features of the systems to the best of its ability, providing optimal operational performance, customer satisfaction, internal associate experience, and ability to leverage business development opportunities.

This position defines product enhancements, prioritizes features, manages the product backlog, and drives successful delivery of digital capabilities that support the Bank's growth strategy and customer expectations.

Position Responsibilities

Product Ownership & Strategy

• Serve as the subject matter expert (SME) and business owner for the Bank's digital banking platform (Q2) and deposit origination (MANTL) applications.
• Define and communicate the digital product vision, strategy, and roadmap in alignment with overall business objectives.
• Continuously evaluate industry trends, regulatory changes, and customer needs to identify opportunities for product improvement and innovation.
• Champion customer-centric digital experiences.
• Leverage system capabilities to ensure all operational efficiency and business development opportunities the applications may provide are pursued.
• Partner with Project Management Office (PMO) and business leads on implementations and other projects related to the support applications.

Backlog & Requirement Management

• Gather, analyze, and document business requirements from stakeholders throughout the Bank.
• Develop, maintain, and prioritize the product backlog, balancing requirements for functionality, compliance, and operational efficiency.
• Write clear user stories and acceptance criteria to facilitate development, testing, and effective vendor delivery.
• Maintain documentation of system configurations.

Implementation & Delivery

• Collaborate with IT, vendors, and business users to ensure the timely and high-quality release of new features and enhancements.
• Lead user acceptance testing (UAT) to confirm that product changes satisfy requirements and support operational and customer needs.
• Oversee system configuration and parameter adjustments, ensuring that documentation remains current and accurate.

Stakeholder Engagement

• Act as the liaison between line-of-business leaders, operations teams, compliance, and technology groups.
• Facilitate product demonstrations, roadmap reviews, and provide regular updates to stakeholders.
• Train and support end users on new features, workflows, and system capabilities.

Risk, Compliance & Vendor Oversight

• Ensure that product changes comply with all regulatory and audit requirements.
• Monitor system performance, address issues, and oversee vendor service level agreements (SLAs).
• Coordinate issue resolutions with vendors.
• Act as primary contact for vendor and participate in contract negotiations.
• Work closely with risk and compliance teams to guarantee secure and compliant system usage.
• Support digital security, fraud prevention, and data protection.

Required Education and Experience

• Bachelor's degree in Business, Finance, Information Systems, or a related field.
• Minimum of 5 years in banking operations, digital banking, product management, or fintech.
• Familiarity with digital/online/mobile banking platforms and online account opening applications; hands-on experience with Q2 and/or MANTL is strongly preferred.
• High aptitude for problem solving.
• Ability to connect business challenges to technical solutions.
• Proven strong analytical and critical thinking skills, with extreme attention to detail.
• Experience with dashboard reporting applications.
• Advanced Excel skills and reporting experience.

Preferred Education and Experience

• Prior roles as a Product Owner, Business Analyst, or Digital Systems Manager within a financial institution are strongly preferred.
• Experience with digital integrations and onboarding journeys.
• Familiarity with Agile tools such as Jira or Azure DevOps is an asset.
• Experience with creating and leading presentations to internal stakeholders.

Qualifications and Skills

• Strong understanding of commercial banking products and operations.
• Proven ability to translate business needs into technical requirements.
• Excellent communication and stakeholder management skills.
• Strong organizational abilities with the capacity to manage competing priorities.
• Ability to effectively engage with stakeholders at all levels of the organization.
• Self-driven and detail-oriented approach.
• Ability to solve or escalate issues with sound judgment.
• Ability to work in cross-functional teams and build strong relationships.

Compensation

• Base Salary Range: $100,000 - $140,000 annually (Rockville, MD). Final determination of where you are at in the salary range is based on numerous factors such as geographic location, relevant experience, skill set, education, and ability to meet qualifications within the job description.
• We are hiring in: MD, DC, VA, PA, DE, NC, SC, FL, IN, IL. Candidates in other locations will receive the pay range tied to their specific area.
• Additional Compensation: This role will include a yearly annual target bonus based on individual performance.

Working Arrangements

• This is a hybrid role. (highly qualified candidates may be eligible for a 100% remote working arrangement)

Why Join Us?

• Join a growing company with a culture that fosters an entrepreneurial spirit
• Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more?
• Company Contributions to your 401k - Regardless of your contribution
• Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
• Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities

Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.

Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.