Sr. Business Systems Analyst (Credit Cards)

Work Location: Toronto, Ontario, Canada

Hours:

37.5

Line of Business:

Technology Solutions

Pay Details:

$81,600 - $115,200 CAD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

The Senior Business Systems Analyst will plan, manage, and lead system requirements from initial business need through design, development, testing, implementation, and validation. This role requires a strong mix of business analysis, technical understanding, delivery ownership, and stakeholder management. The successful candidate will work closely with Product Owners, Development, QE, business partners, and other technology teams to translate business needs into clear, actionable requirements and drive them through delivery.

CUSTOMER

• Own requirements end to end, from discovery and analysis through development, testing, implementation, and validation.
• Develop a strong understanding of the business, products, systems, and customer experience to ensure solutions deliver the intended business value.
• Elicit, analyze, document, and translate business needs into detailed functional and non-functional requirements.
• Author and manage user stories and acceptance criteria across a high volume of work, ranging from small enhancements to complex, multi-sprint features.
• Collaborate with business and technology stakeholders to define solutions and assess impacts to existing systems, processes, integrations, and customer experiences.
• Partner closely with Development and QE throughout delivery, including requirements clarification, solutioning, defect triage, testing support, and validation.
• Work directly with developers on technical requirements spanning front end, back end/BFF, APIs and integrations, databases, vendor applications, security, and migrations.
• Understand and document API requirements, including requests, responses, payloads, validations, data mappings, integrations, and error scenarios.
• Maintain traceability between requirements, user stories, acceptance criteria, testing, and delivered functionality.
• Support QE in translating requirements and use cases into test scenarios, expected results, and acceptance criteria.

SHAREHOLDER

• Manage scope and requirement changes by assessing impacts to delivery, dependencies, effort, testing, and timelines before committing to changes.
• Challenge unclear requirements, assumptions, scope, and timelines where appropriate, and level-set directly with business and technology stakeholders on expectations and trade-offs.
• Identify risks, gaps, dependencies, and impacts early and drive appropriate resolution or escalation.
• Own follow-ups and ensure open questions, decisions, dependencies, and action items are tracked through to closure.
• Maintain clear, accurate, and current documentation and Jira artifacts throughout the delivery lifecycle.
• Follow established requirements-management, technology-delivery, architecture, security, and change-management standards.
• Support implementation, operational readiness, and post-implementation activities.
• Continuously build knowledge of the supported business domain, applications, systems, and emerging technologies.
• Adhere to the TD Code of Conduct.

EMPLOYEE / TEAM

• Lead refinement and 3 Amigos sessions end to end, including agenda preparation, ensuring the appropriate participants are engaged, reviewing requirements and acceptance criteria, capturing decisions and action items, meeting Definition of Ready, and maintaining Jira hygiene.
• Co-lead PI Planning with the Product Owner and be capable of facilitating planning activities when the Product Owner is unavailable.
• Work independently and take ownership of requirements and delivery activities with limited oversight.
• Partner closely with Product Owners, developers, QE, Scrum Masters, business stakeholders, architecture, security, and other technology teams.
• Be comfortable stepping into Scrum Master or delivery-facilitation responsibilities when required.
• Communicate project status, requirements, risks, issues, dependencies, and decisions clearly and proactively.
• Build productive relationships with business and technology stakeholders and confidently facilitate discussions across different levels of the organization.
• Be process-driven and organized while adapting quickly to changing processes, priorities, and ways of working.
• Share knowledge, provide guidance, and contribute to continuous improvement across the team.

BREADTH & DEPTH

• Advanced knowledge of business and systems analysis practices and techniques.
• Strong understanding of system components, functionality, interfaces, integrations, data flows, and business rules.
• Strong technical understanding across front end, back end/BFF, APIs, databases, vendor applications, security, and migrations.
• Able to collaborate with developers during solutioning and understand API requests, responses, payloads, validations, mappings, and error handling.
• Demonstrated ability to break large or complex requirements into well-defined features and user stories that can be delivered across multiple sprints.
• Strong understanding of Agile technology delivery, including requirements, design, development, testing, defect management, and implementation.
• Able to lead requirements management for complex, high-risk, or strategic initiatives.
• Strong scope and change-management skills, including impact assessment, negotiation, prioritization, and stakeholder level-setting.
• Able to identify and drive resolution of complex requirements and delivery issues.
• Strong facilitation skills with the ability to independently lead requirements discussions, refinement, 3 Amigos, and planning sessions.
• Strong documentation, organization, Jira management, and follow-through.
• Works independently as a senior systems analyst and can provide guidance to other team members as required.

EXPERIENCE

Must-Haves

• Undergraduate degree, Technical Certificate, or equivalent relevant experience.
• 5+ years of relevant experience as a Business Systems Analyst, Systems Analyst, or similar technology-focused analyst role.
• Experience working on Agile delivery teams , preferably within a large enterprise or regulated environment.
• Demonstrated experience owning requirements end to end , from discovery through implementation and validation.
• Strong experience authoring Jira user stories and acceptance criteria , including both smaller changes and complex, multi-sprint features.
• Experience working across business and technical requirements , including front end, back end/BFF, APIs, databases, vendor applications, security, and/or migrations.
• Experience working directly with developers on technical solutioning , including API requests, responses, and payloads.
• Demonstrated experience partnering with Development and QE throughout delivery , including requirements clarification, defect triage, and validation.
• Experience independently leading refinement and 3 Amigos activities.
• Strong scope and change-management skills, with the ability to challenge requirements and timelines and negotiate effectively with stakeholders.
• Strong written and verbal communication, documentation, organization, and follow-through.
• Ability to work independently, take ownership, and drive open items through to closure.

Nice-to-Haves

• Previous PI Planning and/or SAFe experience.
• Banking or financial-services experience.
• Experience using Postman, Swagger/OpenAPI, and/or SQL .
• Familiarity with AppSec and vulnerability remediation management , including tracking vulnerabilities, coordinating remediation with technical teams, managing dependencies, and following remediation items through to closure.

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package

Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. [Learn more](#)

Additional Information:

We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact. We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding

We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process

We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you!

Language Requirement (Quebec only):

Sans Objet