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Systems Analyst - Payments CanadaRequirement ID: GCC-TDSVCP-0058RoleBusiness Systems Analyst - PaymentsMinimum Experience8+ yearsDomainPayments Canada / Transaction BankingRole OverviewWe are seeking an experienced Business Systems Analyst with strong expertise in Canadian payment systems and end-to-end payment processing. The role will support Payments Canada initiatives, including Real-Time Rail (RTR), electronic funds transfer modernization, Lynx, and regulatory or scheme-driven change. The successful candidate will translate business and regulatory needs into clear, delivery-ready requirements while working across product, technology, operations, data, risk, compliance, and other stakeholders.Key Responsibilities• Lead requirements elicitation, analysis, validation, documentation, and traceability for Canadian payment-system initiatives.• Create and refine business requirements, functional requirements, epics, user stories, acceptance criteria, use cases, process flows, business rules, interface requirements, and data mappings.• Analyze end-to-end payment lifecycles covering initiation, validation, routing, clearing, settlement, posting, reconciliation, returns, exceptions, investigations, and reporting.• Map current-state and future-state processes, identifying system interactions, operational hand-offs, controls, dependencies, pain points, and improvement opportunities.• Apply domain knowledge across RTR, EFT, Interac, and Lynx to assess business, operational, data, integration, and control impacts.• Partner with Product, Technology, Architecture, Operations, Data, Risk, Compliance, Legal, Testing, and vendor teams to clarify scope and support solution decisions.• Perform data analysis to validate requirements, identify trends or exceptions, reconcile outputs, and support impact assessments and business decisions.• Support Agile product delivery through backlog refinement, sprint planning, requirement clarification, demonstrations, testing, UAT, defect triage, release readiness, and post-implementation validation.• Assess Payments Canada standards, scheme rules, and regulatory changes and translate applicable obligations into business and system requirements.• Support compliance, modernization, and migration initiatives by maintaining clear documentation, decision logs, requirement traceability, and stakeholder alignment.Must-Have Skills• 8+ years of relevant experience as a Business Analyst or Business Systems Analyst in payments, transaction banking, or financial services.• Strong expertise in the Canadian payments ecosystem, including RTR, EFT, Interac, and Lynx.• Practical understanding of the end-to-end payment lifecycle, clearing and settlement, payment messaging, exception handling, reconciliation, and operational controls.• Strong requirements elicitation and documentation skills, including epics, user stories, acceptance criteria, business and functional requirements, and traceability.• Advanced business process mapping and current-state/future-state analysis skills.• Robust data-analysis capability, including the ability to interpret payment data, investigate exceptions, validate impacts, and support evidence-based decisions.• Proven stakeholder-management skills across business, product, technology, operations, risk, compliance, and control functions.• Hands-on experience supporting Agile product delivery and working directly with cross-functional delivery teams.• Strong facilitation, analytical thinking, problem-solving, communication, and documentation skills.Nice-to-Have Skills• Knowledge of Payments Canada standards, bylaws, rules, procedures, and message specifications.• Knowledge of commercial banking and transaction banking products, including domestic payments, collections, account services, liquidity, and client payment channels.• Understanding of Canadian payment regulations, scheme obligations, operational risk, compliance, and control requirements.• Exposure to ISO 20022 messaging and payment-system modernization.• Experience with Jira, Confluence, Microsoft Visio, SQL, data-query tools, or payment-platform implementations.Core Capabilities / Projects Supported• Real-Time Rail initiatives, including requirements, participant readiness, integration, testing, controls, and operational processes.• EFT modernization and enhancement of retail or batch payment-processing capabilities.• Payments Canada compliance initiatives and adoption of applicable standards, rules, procedures, and message specifications.• Regulatory and scheme-driven changes across Canadian payment products and processing platforms.• Lynx and high-value Canadian-dollar payment initiatives.• Interac-related payment journeys and integration impacts within the broader Canadian payments ecosystem.Key Competencies• Payments-domain depth and end-to-end systems thinking• Structured requirements and process-analysis discipline• Data-led problem solving and attention to detail• Cross-functional collaboration and stakeholder influence• Ownership, proactive communication, and delivery focus• Ability to operate effectively in complex Agile transformation programs

📌 BSA - Payments& (Bengaluru)
🏢 People First Consultants
📍 Bengaluru