Set Analysis won't help your problem... Instead, you should perform some data modeling and transform your two tables into associated tables that link each employee to the corresponding customers and products.
1. Table B needs to be "normalized" using the SubField() function, so that each row contains a single product.
2. In order to avoid a synthetic key, I'd recommend creating a combo key that contains Accounts and Products. This key will be the link between the two tables. It should, however, work fine even with the synthetic key.
3. Then, your chart could be configured like this:
Dimensions: Employee, Account
Pay-On: concat(Product, ',')
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