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 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

Communication - 20%

- 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

Collaborate with business & technical partners - 30%

- 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 flexible setting 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.

マニュライフとジョン・ハンコックについて

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」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、

マニュライフは機会均等を是とする雇用主です

マニュライフ/ジョン・ハンコックでは、多様性を受け入れます。私たちは、サービス提供先であるお客さまと同様に、多様な人材を引きつけ、育成し、定着させ、文化や個人の力を受け入れる包括的な職場環境を促進するよう努めています。当社は公正な採用、定着、昇進、報酬に努めています。当社のすべての慣行およびプログラムは、人種、祖先、出身地、肌の色、民族的出自、市民権、宗教または宗教的信念、信条、性別（妊娠および妊娠関連の状態を含む）、性的指向、遺伝的特徴、退役軍人としての地位、性自認、性に関する表明、年齢、婚姻状況、家族状況、障害、または適用法で保護されるその他の要因に対する一切の差別を行うことなく管理されます。

雇用への平等なアクセスを提供するために、障壁を取り除くことが当社の優先事項です。人事担当者は、応募者が応募プロセス中に合理的配慮を要求する場合に協力します。配慮要求のプロセス中に共有されるすべての情報は、適用される法律およびマニュライフ/ジョン・ハンコックのポリシーに準拠した方法で保存および使用されます。申請プロセスにおいて合理的配慮を要求するには、 View email address on apply.j-vers.com。

Referenced Salary Location

Toronto, Ontario

Working Arrangement

ハイブリッド勤務

Salary range is expected to be between

$73,725.00 CAD - $122,875.00 CAD

Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact View email address on apply.j-vers.com for the salary range for your location.

Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D; insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact View email address on apply.j-vers.com for more information about U.S.-specific paid time off provisions.

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.

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📌 Senior Business Analyst (Toronto)
🏢 Manulife
📍 Toronto