Sr. Business Systems Analyst

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 AIH 1 pod is part of Loyalty & Card Services within Global Technology & Solutions. The pod operates in a highly integrated technology environment, supporting APIs, distributed applications, and internal and external partner integrations. We are looking for a Senior Business Systems Analyst who can bridge business needs and technology solutions while bringing strong systems-analysis capability, technical curiosity, and end-to-end ownership. The successful candidate will work closely with Product Owners, Engineering, Quality Engineering, Solution Architecture, Operations, and partner/vendor teams to deliver complex initiatives across the Loyalty ecosystem. This aligns with the pod's current PI planning model, which focuses on objectives, sprint planning, risks, and cross-team dependencies. Job Description As a Senior Business Systems Analyst , you will play a key role in supporting and evolving the loyalty portfolio. You will lead requirements and systems analysis for initiatives involving REST APIs, distributed applications, system-to-system integrations, and external partner/vendor integrations . You will be expected to understand an initiative end-to-end, identify upstream and downstream impacts, translate business needs into detailed system requirements, and help drive delivery from early discovery through implementation and post-production validation. This is a senior BSA role requiring the ability to independently navigate complex technology ecosystems and lead requirements discussions involving multiple teams and stakeholders. Key Accountabilities Business & Systems Analysis • Lead requirements elicitation and systems analysis for complex initiatives involving APIs, integrations, and distributed applications. • Translate business needs into detailed business and system requirements, functional specifications, user stories, acceptance criteria, process flows, interface requirements, and integration scenarios . • Perform impact analysis across upstream and downstream systems when changes are introduced to APIs, interfaces, business rules, or partner flows. • Identify requirements gaps, assumptions, dependencies, constraints, and integration risks early in the delivery lifecycle. • Facilitate requirements and solution walkthroughs with Product, Engineering, QE, Architecture, Operations, and partner teams. API & Integration Analysis • Develop a strong functional and technical understanding of the Loyalty API and integration ecosystem. • Analyze REST API contracts, JSON/XML payloads, request and response structures, data mappings, business rules, error handling, and system dependencies . • Work with Engineering and Architecture to understand integration patterns and document end-to-end solution flows. • Assess upstream and downstream impacts across consuming applications. • Support API changes, modernization and migration initiatives, interface changes, and application decommissioning activities. Partner & Vendor Integration • Lead functional and systems analysis for partner/vendor-facing applications and integrations. • Document end-to-end workflows between TD systems and external partners, including interface specifications, data exchanges, authentication/SSO dependencies, exception scenarios, and operational processes. • Coordinate requirements and technical clarifications between internal teams and external stakeholders. • Develop and maintain consumer guides, system flows, interface documentation, support documentation, and operational knowledge . Agile Delivery & Leadership • Partner with Product Owners and Engineering leads during PI and sprint planning. • Break complex initiatives into well-defined features, stories, acceptance criteria, and integration scenarios. • Support backlog refinement, dependency identification, estimation, and prioritization. • Provide BSA leadership throughout design, development, testing, implementation, and post-production validation . • Partner with QE teams to ensure adequate coverage of business workflows, interfaces, negative scenarios, and end-to-end integration paths. • Support production-issue analysis by helping determine impacted workflows, interfaces, business rules, and upstream/downstream dependencies. What You Bring Must-Have Qualifications • 7+ years of Business Systems Analysis or comparable technology-delivery experience, preferably with experience operating at a Senior BSA level. • Strong experience working with REST APIs, distributed applications, and system-to-system integrations . • Ability to analyze API contracts, JSON/XML payloads, request/response structures, interface specifications, and data mappings. • Strong experience documenting end-to-end system flows and upstream/downstream dependencies. • Demonstrated ability to translate complex business requirements into detailed functional and system requirements. • Experience creating user stories, acceptance criteria, interface requirements, process/sequence flows, data mappings, business rules, exception scenarios, and operational documentation. • Experience working with external partners or vendor integra