Sr. Business Systems Analyst

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.

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.

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.

• 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.

• 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.

• 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.

• 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.

• 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 integrations.
• Strong understanding of SDLC and Agile delivery, including PI/sprint planning, refinement, development, QE/UAT, and implementation.
• Strong analytical, problem-solving, communication, and stakeholder-management skills.
• Ability to independently lead requirements discussions involving multiple technology teams.

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.  

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Candidates should be comfortable working with several of the following technologies and concepts: RESTful APIs, API gateways, JSON / XML, Swagger / OpenAPI specifications, Postman or equivalent API-analysis tools, Distributed application architecture, Authentication and authorization, SSO, OAuth, and token-based authentication, Data and interface mapping, Integration and sequence diagrams, SQL for investigation and data validation, Jira / Confluence or equivalent Agile collaboration tools, Application monitoring and logging concepts.

• Experience within financial services, credit cards, rewards, or Loyalty platforms.
• Experience working with travel, rewards, redemption, e-commerce, or other partner/vendor integrations.
• Experience with API modernization, migrations, or application decommissioning.
• Experience performing production-impact or root-cause analysis across highly integrated systems.
• Ability to read architecture diagrams and work with Solution Architects to translate solution designs into functional and system requirements.
• Experience developing or improving consumer guides, application support guides, operational runbooks, and knowledge-transfer documentation.

You are a senior analyst who can operate beyond collecting requirements. You are comfortable asking the right questions, challenging assumptions, tracing a change across multiple systems, and bringing structure to technically complex problems.

You can communicate effectively with both business and deeply technical stakeholders and take ownership of analysis from initial discovery through production implementation.

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.