Location - Toronto, ON (Hybrid)

BA requirement with payment / core banking experience.

The resource will need to:

- Support account hosting and end-to-end accounting flows for Deposit business
- Maintain the system of record for:
- Customer accounts
- Ledger postings
- Balance management
- Data Provisioning for Downstream Systems
- Provide reliable and timely data feeds to downstream systems, including:
- Account information (e.g., account status, product, ownership)
- Transaction information (e.g., bookings, postings, history)
- Balance information (e.g., available, ledger, intraday balances)
- Ensure data accuracy, completeness, and auditability

- Perform end-to-end business validation on accounting workflows, including Accounts Payable (AP), Accounts Receivable (AR), reconciliations, and financial reporting.
- Validate vendor management processes, including onboarding, contract compliance, payment processing, and performance tracking.
- Review and analyze business requirements, functional specifications, and process flows to ensure completeness and accuracy.
- Identify, document, and track defects, discrepancies, and control gaps, ensuring timely resolution.
- Collaborate with business stakeholders, finance teams, and technology partners to ensure solutions meet business needs and regulatory requirements.
- Support UAT (User Acceptance Testing) cycles, including test planning, execution, and sign-off.
- Ensure adherence to internal controls, audit requirements, and compliance standards (e.g., SOX where applicable).

Required Skillset:





Business & Domain Expertise

- Solid understanding of accounting principles (GAAP/IFRS basics, reconciliations, journal entries, financial controls).
- Hands-on experience in vendor management lifecycle, including vendor onboarding, invoicing, payment processing, and contract adherence.
- Familiarity with financial systems (e.g., SAP, Oracle, Workday, or similar ERP platforms).

Quality Assurance & Analysis:

- Proven experience in BA roles with a focus on financial or operational processes.
- Strong data analysis skills, with experience validating large datasets and financial transactions.
- Experience with issue management tools (e.g., JIRA, Azure DevOps).

Technical & Tools:

- Proficiency in Excel (advanced) for reconciliation, data validation, and reporting.
- Experience with SQL or data querying tools (preferred).
- Knowledge of process mapping tools (e.g., Visio, Lucidchart).
- Support end-to-end system integration, including API, messaging, and data flows

Soft Skills:

- Strong attention to detail and problem-solving capabilities.
- Excellent communication skills, with the ability to translate between business and technical teams.
- Ability to manage multiple priorities in a fast-paced, vendor-driven environment.
- Proactive mindset with a focus on continuous improvement and process optimization.

Nice to Have:

- Experience in banking or financial services environments.
- Exposure to risk and compliance frameworks.
- Prior experience working with third-party vendors or managed service providers.

📌 Business Analyst – Core Banking & Payments (Toronto)
🏢 Spruce InfoTech
📍 Toronto