Sr. Business Systems Analyst (Credit Cards)

Work Location: Toronto, Ontario, Canada Hours: 37.5 Line of Business: Technology Solutions Pay Details: $81,600 - $115,200 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. Job Description: The Senior Business Systems Analyst will plan, manage, and lead system requirements from initial business need through design, development, testing, implementation, and validation. This role requires a strong mix of business analysis, technical understanding, delivery ownership, and stakeholder management. The successful candidate will work closely with Product Owners, Development, QE, business partners, and other technology teams to translate business needs into clear, actionable requirements and drive them through delivery. CUSTOMER • Own requirements end to end, from discovery and analysis through development, testing, implementation, and validation. • Develop a strong understanding of the business, products, systems, and customer experience to ensure solutions deliver the intended business value. • Elicit, analyze, document, and translate business needs into detailed functional and non-functional requirements. • Author and manage user stories and acceptance criteria across a high volume of work, ranging from small enhancements to complex, multi-sprint features. • Collaborate with business and technology stakeholders to define solutions and assess impacts to existing systems, processes, integrations, and customer experiences. • Partner closely with Development and QE throughout delivery, including requirements clarification, solutioning, defect triage, testing support, and validation. • Work directly with developers on technical requirements spanning front end, back end/BFF, APIs and integrations, databases, vendor applications, security, and migrations. • Understand and document API requirements, including requests, responses, payloads, validations, data mappings, integrations, and error scenarios. • Maintain traceability between requirements, user stories, acceptance criteria, testing, and delivered functionality. • Support QE in translating requirements and use cases into test scenarios, expected results, and acceptance criteria. SHAREHOLDER • Manage scope and requirement changes by assessing impacts to delivery, dependencies, effort, testing, and timelines before committing to changes. • Challenge unclear requirements, assumptions, scope, and timelines where appropriate, and level-set directly with business and technology stakeholders on expectations and trade-offs. • Identify risks, gaps, dependencies, and impacts early and drive appropriate resolution or escalation. • Own follow-ups and ensure open questions, decisions, dependencies, and action items are tracked through to closure. • Maintain clear, accurate, and current documentation and Jira artifacts throughout the delivery lifecycle. • Follow established requirements-management, technology-delivery, architecture, security, and change-management standards. • Support implementation, operational readiness, and post-implementation activities. • Continuously build knowledge of the supported business domain, applications, systems, and emerging technologies. • Adhere to the TD Code of Conduct. EMPLOYEE / TEAM • Lead refinement and 3 Amigos sessions end to end, including agenda preparation, ensuring the appropriate participants are engaged, reviewing requirements and acceptance criteria, capturing decisions and action items, meeting Definition of Ready, and maintaining Jira hygiene. • Co-lead PI Planning with the Product Owner and be capable of facilitating planning activities when the Product Owner is unavailable. • Work independently and take ownership of requirements and delivery activities with limited oversight. • Partner closely with Product Owners, developers, QE, Scrum Masters, business stakeholders, architecture, security, and other technology teams. • Be comfortable stepping into Scrum Master or delivery-facilitation responsibilities when required. • Communicate project status, requirements, risks, issues, dependencies, and decisions clearly and proactively. • Build productive relationships with business and technology stakeholders and confidently facilitate discussions across different levels of the organization. • Be process-driven and organized while adapting quickly to changing processes, priorities, and ways of working. • Share knowledge, provide guidance, and contribute to continuous improvement across the team. BREADTH & DEPTH • Advanced knowledge of business and systems analysis practices and techniques. • Strong understanding of system components, functionality, interfaces, integrations, data flows, and business rules. • Strong technical understanding across front end, back end/BFF, APIs, databases, vendor applications, security, and migrations. • Able to collaborate with developers during solutioning and understand API requests, responses, payloads, validations, mappings, and error handling. • Demonstrated ability to break large or complex requirements into well-defined features and user stories that can be delivered across multiple sprints. • Strong understanding of Agile technology delivery, including requirements, design, development, testing, defect management, and implementation. • Able to lead requirements management for complex, high-risk, or s