Job Description:
Role
The Card Services Analyst provides analytical and reporting support for the organization's card programs, including debit, credit and gift card portfolios. This role focuses on analyzing portfolio data, maintaining accuracy of customer and cardholder records, and delivering insights that support operational efficiency, compliance, and strategic growth initiatives. The Card Services Analyst must be able to support complex process analysis and quickly identify solutions or mitigations while also applying critical thinking and risk-based analysis skills.

Essential Duties & Responsibilities
• Develop and maintain recurring reports and dashboards to track card program performance (spend, activation, interchange income, portfolio usage, and account trends).
• Conduct research and data analysis to support product enhancements, operational improvements, and executive decision-making.
• Ensure accuracy and consistency of customer and cardholder data across all systems of record; work with IT and vendors to correct discrepancies.
• Monitor and reconcile data feeds from processors, networks, and internal systems to ensure alignment and data integrity.
• Maintain and document reporting processes to support consistency, audit readiness, and compliance.
• Benchmark portfolio performance against industry peers and offer meaningful insights.
• Prepare presentations, summaries, and recommendations for management based on analysis and research findings.
• Support data collection and presentation for quality analysis of department functions and portfolio performance.
• Identify business challenges and opportunities for improvement and solve for them using analysis to make strategic or tactical recommendations
• Support vendor and card network reporting requirements.

• Performs other duties as assigned.

• Participates in proactive team efforts to achieve departmental and company goals. Must comply with current applicable laws, regulations and bank policies and procedures. Comply with all safety policies, practices and procedures. Report all unsafe activities to supervisor and/or Human Resources.

Knowledge & Skills

Experience
A minimum of one year of relevant experience is preferred, which may include internships, academic projects, or other preparatory experiences.

Education
A high school degree or equivalent.

Skills
Ability to use databases, spreadsheet and word processing software to summarize data and maintain records with accuracy.
Advanced Excel familiarity. Strong mathematical, technical and analytical skills with keen attention to detail.
Effectively communicate with internal and external customers via verbal and written correspondence. Attention to detail and the ability to analyze customer issues, answer questions, suggest solutions, and provide counsel.
A significant level of credibility, trust and diplomacy is required to be effective in this position. Work regularly involves personal contact with customers, employees, outside vendors and is often of a personal, sensitive and/or highly confidential nature. Clear and concise written and verbal communication skills are imperative to success in this role.

Physical Requirement
Can bend, sit, and stand to perform mostly sedentary work, with minimal physical effort and occasional lifting up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers and calculators. Must be able to routinely perform work on a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever needed or requested by management.

Regular in-office attendance required.

Mental and/or Emotional Requirements
Must be able to perform job functions independently or with limited supervision and work effectively either on your own or as part of a team. Must be able to read and conduct various written instructions and follow oral instructions. Must be able to complete moderately complex mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively manage multiple, simultaneous, and changing priorities. Must be capable of exercising the highest level of discretion on both internal and external confidential matters.

CapFed® is an equal opportunity employer.