Bus Sys Analysis Specialist (API / Insurance)

Work Location: Toronto, Ontario, Canada

Hours: 37.5

Line of Business: Technology Solutions

Pay Details: $96,900 - $136,800 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.

Role Overview

The Business Systems Analysis Specialist is a senior technology professional responsible for translating complex business needs into clear, actionable technical requirements and solution specifications. The role works closely with Product Owners, Software Engineers, Architects, Quality Engineers and business stakeholders throughout the full Software Development Life Cycle (SDLC). The successful candidate must be comfortable working with modern distributed applications involving APIs, batch processing, microservices and databases, and be able to understand how changes impact systems and data across an end-to-end solution. At the L10 level, the individual is expected to work independently on complex initiatives, provide subject-matter expertise, identify solution gaps and risks, and influence solution decisions. This aligns with the document's expectation for L10 professionals to have expert knowledge of the technology environment and act as SMEs across research, analysis, design and solution/support activities.

Key Responsibilities

• Business & Systems Analysis: Analyze complex business needs and translate them into functional and technical requirements, user stories, acceptance criteria and system specifications.
• Perform end-to-end impact analysis across applications, APIs, microservices, batches, databases and integration points.
• Understand existing system behaviour and data flows, identify gaps, dependencies and technology impacts, and work with engineering teams to define appropriate solutions.
• Partner with Architects and Engineers to ensure requirements align with solution architecture, security, performance and operational expectations.
• Review requirements and technical deliverables throughout the lifecycle to identify gaps or areas requiring redesign.

Technical Analysis

• REST APIs and service integrations, including endpoints, requests/responses, payloads, errors and dependencies.
• Batch processing, including inputs/outputs, schedules, dependencies, data transformations and failure scenarios.
• Microservices architectures and interactions between distributed services.
• Databases and data models, including tables, relationships, queries, data mapping and data flows.
• End-to-end system dependencies and the impact of changes across applications and releases.

The role is not primarily a software development position, but the candidate must be technically strong enough to work directly with engineering and architecture teams and challenge or clarify technical requirements when necessary.

Agile Delivery & SDLC

• Strong practical knowledge of Agile Scrum Kanban Software Development Life Cycle (SDLC).
• Comfortable working with Product Owners and engineering teams to refine backlog items, break business capabilities into implementable requirements, define acceptance criteria, identify dependencies and support delivery through development, testing, release and production readiness.

The source framework specifically emphasizes collaboration, requirements validation, user stories, acceptance criteria, definitions of ready/done, delivery standards and continuous improvement.

AI-Enabled SDLC

• Using AI-assisted development and analysis tools responsibly to accelerate requirements analysis, documentation and solution understanding.
• Creating requirements that are clear, structured and machine-readable where appropriate.
• Writing and maintaining Markdown (.md) documentation used by engineering teams and AI-assisted workflows.
• Structuring functional requirements, technical context, acceptance criteria, business rules and system behaviour so they can be effectively consumed by both engineering teams and AI-enabled tooling.
• Reviewing AI-generated outputs for accuracy, completeness and alignment with business and technology requirements.

Required Qualifications

• 7+ years of relevant technology / systems analysis experience, consistent with the L10 experience level defined in the source framework.
• Strong experience translating complex business requirements into technical and functional specifications.
• Strong understanding of APIs, batch processing, microservices and relational databases.
• Experience analyzing end-to-end integrations and data flows across multiple applications.
• Strong hands‑on knowledge of Agile, Scrum and Kanban delivery models.
• Strong understanding of the complete SDLC, from requirements and design through development, testing, deployment and production support.
• Ability to write clear technical documentation, including Markdown (.md) files.
• Experience or demonstrated ability to operate effectively within an AI-enabled SDLC.
• Strong analytical, troubleshooting and problem‑solving skills.
• Ability to work independently on complex initiatives while collaborating effectively with business and technology stakeholders.

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.

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.

Language Requirement (Quebec only)

Maîtrise d’une langue autre que le français pour offrir du soutien ou traiter avec des employés ou des collègues qui ont besoin de services et de soutien dans une langue autre que le français.

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Our Values

At TD we’re guided by our purpose to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.

Our Commitment to Diversity, Equity, and Inclusion

At TD, we’re committed to fostering an environment where all colleagues are encouraged to bring their authentic selves to work, experience equitable opportunities, and feel respected and supported. We’re dedicated to building an inclusive workforce that reflects the diversity of the customers and the communities in which we live and serve.

Helping to Make an Impact in Communities – TD Ready Commitment

TD has a long-standing commitment to help drive progress towards a more inclusive and sustainable future. That’s why we launched the TD Ready Commitment in 2018, now a multi-year North American initiative. Under the TD Ready Commitment, we are targeting a total of C$1 billion by 2030 in community giving across four key, interconnected drivers of change: Financial Security, Vibrant Planet, Connected Communities, and Better Health. It’s our goal to help support change, nurture progress, and contribute to making the world a better, more inclusive place for our customers, colleagues, and communities. Learn more: Canada | US | Europe & Asia Pacific