Matt Ribeiro
Fresno,CA
Summary
Results-driven Executive in Credit Card Product and Operations Management. Led cross-functional teams to optimize workflows and enhance performance metrics, driving revenue growth and fostering a culture of continuous improvement in fast-paced environments.
Overview
12
12
years of professional experience
Work History
Vice President, Credit Card Product & Operations Manager
Beneficial State Bank
Fresno, CA
08.2025 - Current
- Oversaw daily operations, including card issuance, transaction authorization, card payments, transfers, returns, maintenance, dispute resolution, fraud management, account closures, and cardholder support to ensure seamless customer experience.
- Lead, mentor, and develop a team within the Card Services department, fostering a high-performance culture and promoting professional growth.
- Established and monitored key performance metrics and dashboards to track departmental performance, identifying areas for continuous improvement and strategic decision-making.
- Assessed and implemented system and process improvements using data-driven insights, leading cross-functional teams to redesign workflows and enhance operational efficiency.
- Ensure the department complies with all federal regulations, industry standards, and internal policies, working with Compliance and Legal to maintain full adherence.
- Provide ongoing training and support to staff to maintain high levels of proficiency in product knowledge, compliance, and operational processes.
Assistant Vice President, Corporate Card Product Manager
West Coast Community Bank
Santa Cruz, CA
11.2022 - 08.2025
- Managed day-to-day operations and overall performance of the corporate credit card program, including onboarding, account maintenance, settlement, and client support.
- Managed product profitability and performance, analyzing revenue, portfolio activity, and key metrics to support growth and business objectives.
- Managed vendor and Mastercard relationships, resolving escalations and implementing product enhancements and operational improvements.
- Developed and maintained credit card policies, procedures, and processes to strengthen controls, improve efficiency, and enhance the client experience.
- Analyzed program reporting to identify portfolio trends, operational risks, and opportunities for improved performance and client engagement.
- Supported compliance, risk, and audit requirements while ensuring adherence to Mastercard rules and regulatory standards.
- Partnered cross-functionally with Marketing, Operations, Treasury Management, and Digital Transformation to drive product growth, process improvements, and service excellence.
Assistant Vice President, Branch Manager
West Coast Community Bank
Santa Cruz, CA
04.2014 - 11.2022
- Led daily branch operations, overseeing client service, sales, lending, compliance, and operational risk management.
- Managed and developed branch staff through coaching, performance management, and ongoing professional development.
- Built and strengthened client relationships by identifying financial needs and delivering tailored banking and lending solutions.
- Drove branch growth through business development, client acquisition, referrals, and community engagement.
- Partnered with commercial, consumer lending, and wealth management teams to expand client relationships and identify cross-selling opportunities.
- Maintained strong operational controls and compliance standards while ensuring an exceptional client experience.
- Analyzed branch performance, sales activity, and portfolio trends to identify opportunities and drive results.
- Cultivated relationships with local businesses and community organizations to increase the bank’s visibility and market presence.
Education
B.A. - Sociology
California State University Fresno
Fresno, CAA.A - General Education
College of Sequoias
Visalia, CASkills
● Team Leadership & Development
● Relationship Management
● Business Development
● Client Acquisition & Retention
● Sales & Revenue Growth
● Deposit & Portfolio Management
● Strategic Planning
● Business Development
● Product Management
● Performance Reporting
● Data Analysis
● Process Optimization
● Regulatory Compliance
● Operational Risk Management
● Project Coordination
● Conflict Resolution
● Mentoring & Coaching
● Problem Solving
Timeline
Vice President, Credit Card Product & Operations Manager
Beneficial State Bank
08.2025 - Current
Assistant Vice President, Corporate Card Product Manager
West Coast Community Bank
11.2022 - 08.2025
Assistant Vice President, Branch Manager
West Coast Community Bank
04.2014 - 11.2022
B.A. - Sociology
California State University Fresno
A.A - General Education
College of Sequoias