Business Analyst Manulife Bank
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Job Summary
The Business Analyst is a 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.
Collaboration with Business and 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 Qualification:
University degree or equivalent business experience.
More than 5 years as a 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.
Ability to work independently or as part of a team as the 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:
Well empower you to learn and grow the career you want.
Well recognize and support you in a flexible environment where well-being and inclusion are more than just words.
As part of our global team well support you in shaping the future you want to see.
The role being advertised is an existing vacancy.
About Manulife and John Hancock
Manulife Financial Corporation is a leading international financial services provider helping people make their decisions easier and lives better. To learn more about us visit is an Equal Opportunity Employer
At Manulife/John Hancock we embrace our diversity. We strive to attract develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment retention advancement and compensation and we administer all of our practices and programs without discrimination on the basis of race ancestry place of origin colour ethnic origin citizenship religion or religious beliefs creed sex (including pregnancy and pregnancy-related conditions) sexual orientation genetic characteristics veteran status gender identity gender expression age marital status family status disability or any other ground protected by applicable law.
It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process contact .
Referenced Salary Location
Toronto OntarioWorking Arrangement
Salary range is expected to be between
$62850.00 CAD - $104750.00 CADEmployees 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 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 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.
Required Experience:
IC
About Company
Manulife is a leading financial services group. We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions.
