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, pr