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 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 versatile 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.
**Acerca de Manulife y John Hancock**
Manulife Financial Corporation es un importante proveedor internacional de servicios financieros que ayuda a las personas a tomar decisiones de una manera más fácil y a vivir mejor.

Para obtener más información acerca de nosotros, visite
http://www.manulife.com .
**Manulife es un empleador que ofrece igualdad de oportunidades**
En Manulife/John Hancock, valoramos nuestra diversidad.

Nos esforzamos por atraer, formar y retener una fuerza laboral tan diversa como los clientes a los que prestamos servicios, y para fomentar un entorno laboral inclusivo en el que se aprovechen las fortalezas de las culturas y las personas.

Estamos comprometidos con la equidad en las contrataciones, la retención de talento, el ascenso y la remuneración, y administramos todas nuestras prácticas y programas sin discriminación por motivos de raza, ascendencia, lugar de origen, color, origen étnico, ciudadanía, religión o creencias religiosas, credo,



sexo (incluyendo el embarazo y las afecciones relacionadas con este), orientación sexual, características genéticas, condición de veterano, identidad de género, expresión de género, edad, estado civil, estatus familiar, discapacidad, o cualquier otro aspecto protegido por la ley vigente.

Nuestra prioridad es eliminar las barreras para garantizar la igualdad de acceso al empleo.

Un representante de Recursos Humanos trabajará con los solicitantes que requieran una adaptación razonable durante el proceso de solicitud.

Toda la información que se haya compartido durante el proceso de solicitud de adaptación se almacenará y utilizará de manera congruente con las leyes y las políticas de Manulife/John Hancock correspondientes.

Para solicitar una adaptación razonable en el proceso de solicitud, envíenos un mensaje a
[email protected] .
**Referenced Salary Location**
Toronto, Ontario
**Modalidades de Trabajo**
Híbrido
**Salary range is expected to be between**
$73,725.00 CAD - $122,875.00 CAD
Los empleados también tienen la oportunidad de participar en programas de incentivos y recibir una compensación vinculada al rendimiento empresarial e individual.

El salario real variará según las condiciones del mercado local, la geografía y factores relacionados con el puesto como conocimientos, habilidades, requerimientos, experiencia y educación/formación.

Si solicitas este puesto fuera de tu ubicación principal, por favor escríbenos a
[email protected]
para conocer el rango salarial correspondiente a tu ubicación.

Manulife ofrece a los empleados aptos una amplia variedad de beneficios personalizables, entre ellos, beneficios de salud, odontológicos, de salud mental, oftalmológicos, por discapacidad a corto y a largo plazo, cobertura de seguro de vida y por muerte accidental y desmembramiento, adopción/subrogación y bienestar, y planes de asistencia al empleado/familiar.

También ofrecemos a los empleados admisibles varios planes de ahorro para la jubilación (incluidos planes de pensiones y un plan mundial de propiedad de acciones con contribuciones equivalentes del empleador) y recursos de asesoramiento y educación financiera.

Nuestro generoso programa de tiempo libre remunerado en Canadá incluye feriados, vacaciones, días personales y días por enfermedad, y ofrecemos la gama completa de ausencia laboral reglamentaria.

Si se está postulando para este puesto en los EE. UU., póngase en contacto con
[email protected]
para obtener más información sobre las disposiciones relativas al tiempo libre remunerado específicas de EE. UU.

We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process.

For more information, please refer to our personal information collection statement (https://careers.manulife.com/global/en/talentacquisitionprivacystatement) .

📌 Senior Business Analyst (Waterloo)
🏢 Manulife
📍 Waterloo