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
50% Process and system analysis

Clarify and translate business requirements into detailed system functionality with a focus on payments and money movement capabilities

Analyze 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 integrations

Review and analyze APIs supporting payment systems (endpoints, parameters, authentication, error handling)

Document API usage and recommend integration approaches for payment gateways and processing platforms

Develop process maps and workflows illustrating end-to-end payment journeys, including API interaction points

Create detailed data mapping documents for transaction data, settlement flows, and reconciliation processes

Use tools such as Bruno/Postman to test APIs, validate responses, and document payment-related error scenarios

Perform incident investigations using SQL to troubleshoot payment failures, delays, or reconciliation issues

Support operational teams by identifying and resolving payment and transaction-related inquiries

Develop documentation for new processes, system enhancements, and payment features





Build and maintain HTML email templates supporting digital onboarding and payment-related customer communications

20% Communication

Provide effective communication across: Technology, Product, Operations, Sales, Distribution, Marketing

Translate complex technical and payment system concepts into clear, business-friendly language

Partner with stakeholders to improve customer experience (UX/UI) in digital payment journeys

30% Collaborate with business & technical partners

Conduct discovery sessions with business and technical stakeholders to define payment system requirements

Support delivery of digital and mobile payment features, ensuring alignment with backend payment infrastructure

Assist with user acceptance testing (UAT) for payment flows and system enhancements

Work closely with engineering teams to validate integration with core payment systems and underlying platforms

Ensure solutions are aligned with business objectives, compliance, and scalability requirements

Contribute to initiatives involving modernization of legacy payment systems

Required Qualifications

University degree or equivalent business experience

More than 5 years as Business Analyst in a technology-driven or payments-focused environment

Ability to handle multiple demands and competing priorities

Knowledge and understanding of project management methodology and workflow design

Ability to convey information clearly and effectively through both verbal and written communication

Good organization, problem-solving skills and analytical ability





Work well in independent or team basis as situation dictates.

Proven experience as an IT Business Analyst or similar role in a technology-driven workplace.

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.

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マニュライフ・ファイナンシャル・コーポレーションは、あなたの未来に、わかりやすさを提供する、国際的な大手金融サービスプロバイダーです。当社について詳しくは、 https://www.manulife.co.jp/をご覧ください。

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📌 Senior Business Analyst (Ontario)
🏢 Manulife Financial
📍 Ontario