Senior Business Analyst

Key team member who will work on business and technology initiatives to identify, document, and analyze business and technical requirements, and provide solutions related to payments processing, real-time money movement, and digital customer experiences.This role supports initiatives including real-time payments (RTR/Real-Time Rails), Interac, debit/credit networks, exchange networks, and modern money movement platforms, as well as the implementation of new technologies and product enhancements across mobile and digital channels.The Business Analyst will work under the guidance of the Product Owner and collaborate closely with engineering, product, and business teams to deliver scalable, customer-centric payment solutions.Position Responsibilities
Process and system analysis - 50%Clarify and translate business requirements into detailed system functionality with a focus on payments and money movement capabilitiesAnalyze and document end-to-end payment flows, including: Real-Time Rails (RTR), Interac and domestic payment networks, Credit/debit transaction flows, Cross-border/exchange network integrationsReview and analyze APIs supporting payment systems (endpoints, parameters, authentication, error handling)Document API usage and recommend integration approaches for payment gateways and processing platformsDevelop process maps and workflows illustrating end-to-end payment journeys, including API interaction pointsCreate detailed data mapping documents for transaction data, settlement flows, and reconciliation processesUse tools such as Bruno/Postman to test APIs, validate responses, and document payment-related error scenariosPerform incident investigations using SQL to troubleshoot payment failures, delays, or reconciliation issuesSupport operational teams by identifying and resolving payment and transaction-related inquiriesDevelop documentation for new processes, system enhancements, and payment featuresBuild and maintain HTML email templates supporting digital onboarding and payment-related customer communicationsCommunication - 20%
Provide effective communication across: Technology, Product, Operations, Sales, Distribution, MarketingTranslate complex technical and payment system concepts into clear, business-friendly languagePartner with stakeholders to improve customer experience (UX/UI) in digital payment journeysCollaborate with business & technical partners - 30%
Conduct discovery sessions with business and technical stakeholders to define payment system requirementsSupport delivery of digital and mobile payment features, ensuring alignment with backend payment infrastructureAssist with user acceptance testing (UAT) for payment flows and system enhancementsWork closely with engineering teams to validate integration with core payment systems and underlying platformsEnsure solutions are aligned with business objectives, compliance, and scalability requirementsContribute to initiatives involving modernization of legacy payment systemsRequired Qualifications
University degree or equivalent business experienceMore than 5 years as Business Analyst in a technology-driven or payments-focused environmentAbility to handle multiple demands and competing prioritiesKnowledge and understanding of project management methodology and workflow designAbility to convey information clearly and effectively through both verbal and written communicationGood organization, problem-solving skills and analytical abilityWork well in independent or team basis as situation dictates.Proven experience as an IT Business Analyst or similar role in a technology-driven environment.Strong skills in requirements gathering, scope definition, and translating business needs into technical specifications.Experience analyzing APIs, including understanding endpoints, parameters, and error handling.Ability to create process maps, workflows, and detailed data mapping documents.Familiarity with API testing tools such as Bruno, Postman, or similar.Proficiency in SQL for production investigation and root cause analysis.Strong written and verbal communication skills to explain technical details to non-technical audiences.Basic knowledge of HTML and ability to build or edit email templates.When you join our team
We'll empower you to learn and grow the career you want.We'll recognize and support you in a flexible environment where well-being and inclusion are more than just words.As part of our global team, we'll support you in shaping the future you want to see.The role being advertised is an existing vacancy
About Manulife and John HancockManulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit .Manulife is an Equal Opportunity EmployerAt Manulife/John Hancock, we embrace our diversity. We strive to attract, devel
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