Senior RTR Payment System Operations Analyst

Payments Canada is at the forefront of the Canadian payment ecosystem. Our purpose is to make payments easier, smarter and safer for all Canadians. Every day we are working diligently to ensure your payments are cleared and settled. In 2024 alone, our systems cleared approximately $107 trillion or $424 billion each business day! If you are passionate about payments and want to help ensure that these financial transactions in Canada are carried out safely and securely, working with us is for you!

| Who we are

We Are a Public Purpose, Non-profit Organization Situated At The Center Of Canada’s Payment Ecosystem. We Own And Operate Payment Systems That Process Hundreds Of Billions Of Dollars’ Worth Of Payment Transactions Every Business Day. We Convene Ecosystem Participants To Discuss Their Multiple And Diverse Interests And Ideas And To Navigate Industry-level Challenges. We Adhere To a Set Of Values That Are Our North Star

Inspire trust, build community and enable change .

Payments Canada — where our country connects: Payments Canada — Who we are

| Our culture

With our people in mind, we have created a culture that fosters authenticity, collaboration, innovation and development. We empower one another, make meaningful contributions that not only impact the organization, but our country! We develop and nurture meaningful connections that drive innovation in our ecosystem. We are Payments Canada!

Do you want to make payments easier, smarter and safer for Canada? Join us today!

You need to work here if

• You love working with passionate, ambitious and collaborative colleagues.
• You want to be challenged and lead unique initiatives.
• You want to grow, develop and become a subject matter expert in your field.
• You want your work to make an impact in your community and country.

Come and join us — where payments meet purpose!

| What we are looking for

Reporting to the Manager, RTR Payment System Operations, the Senior RTR Payment System Operations Analyst is responsible and accountable for leading and executing defined operational processes and procedures related to ongoing operations of the RTR system while exercising good judgement and managing risk to the enterprise risk tolerance. The Senior RTR System Operations Analyst is an important subject matter expert for RTR operations, Fraud operations and for providing analysis and recommendations based on their expertise and research, and acting as a mentor to develop expertise across the team.

| A day in the life

RTR Payments System Operations

• Assessing operational needs of the RTR from a continuous improvement perspective.
• Supporting the RTR Payment System Operations annual RTR Audit exercise.
• Ensuring annual Business Continuity Management and Disaster Recovery exercises are planned, staffed and executed on schedule, and supporting producing reports from those exercises.
• Supporting Fraud Operations as designated in the approved Fraud Operations Model RACI.
• Ensuring weekly activities related to the Financial Institution Number (FIN) Lookup Database are executed on time.
• Supporting the ongoing management and maintenance of the RTR Service Request catalogue.
• Supporting annual reviews and refresh activities of all RTR Business Processes.
• Participating in on-call schedule for Operational Support of all RTR operational incidents and events.
• Work closely with the RTR Payments System Operations (RPOC) team to ensure smooth service delivery. Perform in depth analysis and manipulation of data to uncover an underlying story or opportunity for improvement.
• Responsible for providing sound policy analysis, advice, and recommendations to RTR Payments System leadership.
• Provide a business and interface between RTR Operations, the RTR Technical Operator, the National Payments Fraud Services (NPFS) and the Clearing & Settlement and Exchange Layer-3 (L3) Support providers.
• Support internal teams by identifying issues impacting RTR Participants, analyzing business, operational, and policy implications, and developing resolutions.
• Contribute to the continual improvement of the RTR Operations team by proactively identifying and sharing process improvement opportunities.
• Execute RTR Business process operations, monitoring, and oversight activities.

Reporting

• Lead internal Payments Canada team responsible for delivery of the Quarterly Operational Health report and other related reports, including innovating and improving on the depth and quality of the team’s reporting for various internal and external audiences.
• Lead annual reporting responsibilities for RTR Audit and related Participant and Technical Operator attestations.
• Interface with and provide timely, accurate information to various corporate reporting teams (e.g., risk and security, compliance, research).
• Lead key reporting activities, including the annual tiered participation reporting.

Subject Matter Expert

• Maintain strong understanding of Payments Canada payment systems and payment functions including how the RTR interacts with BOC and Participant systems.
• Present and share subject matter expertise with various audiences both internally and externally by conducting seminars, training sessions and presentations as required.
• Mentor and share subject matter expertise internally with colleagues to help ensure adequate cross training for critical functions.

Relationship Management

• Establish a close working relationship with Payments Canada internal and external stakeholders in order to develop a comprehensive understanding of their day to day operations relating to RTR.
• Collaborate with others to generate, elaborate, and champion creative ideas to solve problems and seize opportunities.
• Ensuring strong working relationships with the RPOC, Lynx & ACSS Operations teams, and the Fraud Product team are fostered and maintained.
• Monitoring and coordinating responses to RTR inquiries from participants and other stakeholders as well as the general public, as required to support Participant Services.
• Acting as a subject matter expert on RTR business operations for internal planning, change management, rules, policy and product roadmap discussions.
• Ensuring healthy and productive operational relationships exist and are maintained with the RTR Technical Operator, the National Payments Fraud Services (NPFS) and the Clearing & Settlement and Exchange Layer-3 (L3) Support providers.
• Managing RTR Emergency Committee (EC) membership and functions, including agendas, development of meeting materials, scheduling and communication.
• Maintaining positive relationships with internal stakeholders while identifying opportunities to improve RTR processes and systems, new product features, issues and risks to the safety and soundness of the RTR system.

Professional Development

• Attend conferences, courses, and seminars (approximately 5-10 days annually) and pursue reading and research in order to maintain the skills required in the performance of the duties associated with this position.

Technical Competencies

• Strongly values learning and continuous development/improvement.
• Ability to lead or participate in recovery of normal RTR operations during system incidents and events, including establishing and leading the RTR EC if necessary.
• Detail-oriented focus with the ability to multitask under tight deadlines.
• Commitment to quality and attention to detail.
• Excellent collaborative and communication skills.
• Excellent organizational and time management skills.
• Excellent relationship management skills.
• The ability to work independently and as part of a team.

Personal Competencies

• Knowledge of payment operations methodologies and principles.
• Knowledge of effective usage of collaboration tools such as Google Suite, MS Office & Teams, Jira, Confluence and Business Process mapping software such as Lucid.
• Knowledge and understanding of the Canadian Payments Industry, in particular the Canadian Payments Clearing and Settlement systems.
• Critical reasoning and analytical thinking.
• Sound time management and organization skills.
• Track record of success working within change projects or programs.
• Demonstrated interpersonal, listening and influencing skills, with the ability to maintain strong relationships

| What you need to be successful

• A Bachelors of Business Administration, Mathematics, Computer Science, Engineering or related Business Degrees in Finance, Economics or experience in the financial industry of five (5)+ years working directly with payments systems.
• Must demonstrate experience in payment operations and operational support, report writing & presentation, process engineering and incident/problem management.
• Experience working with complex systems and processes.
• Strong organizational skills with a continuous improvement perspective.
• Experience in building strong effective relationships with internal and external stakeholders.
• Experience working in the financial industry including with payment processing systems is an asset.
• Occasional travel will be required between Toronto and Ottawa.
• Eligibility to obtain and maintain a Government of Canada Reliability Status Clearance and can successfully complete enhanced background checks that may be carried out by Payments Canada.

| Salary range

Our target starting rate for this role is $100,300 with flexibility based on your experience and qualifications. The full salary range and benefits package are detailed below.

Please submit your application by August 21, 2026.

| What's in it for you?

• Flexible, hybrid (remote/office) environment.
• Competitive compensation package, including annual variable bonus and defined contribution pension plan with employer matching percentage (if eligible).
• Comprehensive health and dental benefit coverage, including mental health coverage, life insurance and a health spending account for you and your dependents (Permanent and temporary employees with contracts 12 months and over).
• Paid time off: minimum four weeks paid vacation, sick and personal days, December holiday shutdown and cultural holiday observance days.
• 26 weeks of paid maternity and parental leave top-up (if eligible)
• Rewards and recognition program.
• Access to office gym facilities.
• Internal and external professional development opportunities.
• Fun team and organizational events.
• Monthly all staff forums led by our Executive Leadership Team.

| Our Commitment to Fair Hiring

At Payments Canada, we are dedicated to fair, transparent and inclusive hiring. We are an equal opportunity employer and value diversity at our company. Our recruitment process uses automated tools, but not generative AI, to objectively screen and evaluate applications and confirm that a candidate’s qualifications meet job requirements.

It is important to remember that these tools support, but do not replace, human decision-making. Our trained recruitment professionals and hiring managers always make the final hiring decisions.

| Our diversity, inclusion and equity commitment

At Payments Canada, we are committed to making everyone feel they can be themselves and thrive at work. We will continue to build on a foundation of respect and appreciation for diversity in all forms and collectively create an inclusive and equitable culture where our differences are valued.

We are committed to employment equity and actively encourage applications from women, Aboriginal people, persons with disabilities and visible minorities. If selected for an interview, please advise us if you require special accommodation by emailing View email address on ca.workus.org.

We thank all applicants for their interest in this opportunity. Preference will be given to Canadian citizens and permanent residents. Only selected candidates will be contacted for an interview.