{"id":4296485,"url":"https://alion.io/job/scotiabank-business-systems-analyst","title":"Business Systems Analyst","company":{"id":1754303,"name":"Scotiabank","domain":"scotiabank.com","url":"https://alion.io/company/scotiabank-com","size_band":"5000+","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"SuccessFactors","truth_index":{"grade":"A","score":100,"open_postings":48,"ghost_share":0,"stale_share":0.042,"repost_share":0.042,"time_to_fill_p50_days":17,"computed_at":"2026-11-12T10:38:37Z"}},"role":"Analytics","role_family":"Analytics","seniority":null,"employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Toronto, Canada"],"countries":["CA"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Scrum","optional":false},{"name":"SQL","optional":true}],"status":"live","first_seen_at":"2026-11-14T01:28:04Z","employer_posted_date":"2026-11-13","last_verified_at":"2026-11-14T01:28:04Z","board_verified":true,"closed_at":null,"days_open":0,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":0},"description":"Requisition ID: 279332\nJoin a purpose driven winning team, committed to results, in an inclusive and high-performing culture.\nScotiabank continues to be an industry leader for Payments technology and innovation. We have a history of safely leveraging new tools to enable new experiences for our customers, focusing on ensuring we protect their interests and goals. The result of this leads to modernization programs which aim to offer enriched information and transparencies to support the rapidly evolving payments community.\nThe Role\nWe are looking for an enthusiastic individual who understands the end-to-end lifecycle of international payments and can collaborate effectively with banks, fintech partners, and internal technology teams also to innovate and collaborate on the value-driven goals in delivering customer value. You will engage in a fast-paced and challenging environment, with opportunities to build new relationships and learn how you can make an impact in the competitive, trillion-dollar, Payments industry. You will be exposed to a wide range of businesses both internally and externally, then leveraging Scotiabank’s strong technology base, build and develop on strategic, forward-looking infrastructure.\nWhat You’ll Do:\nDevelop business and system requirements, including user stories, acceptance criteria, business rules, process flows, story maps, and supporting functional documentation.\nDocument end-to-end payment journeys covering initiation, validation, routing, processing, clearing and settlement, reconciliation, rejects, returns, and exceptions.\nProduce impact analyses identifying affected payment flows, integration points, data requirements, dependencies, operational impacts, and gaps.\nSupport Scrum Masters, Product Owners, and Engineering Leaders with initiative planning and scoping, providing impact assessments, dependencies, risks, and analysis needed to define and sequence the work.\nDevelop risk analyses that identify delivery, implementation, operational, and payment-processing risks, with appropriate controls and mitigations.\nDevelop test strategies and plans defining scope, scenarios, environments, test data, dependencies, entry and exit criteria, and expected coverage.\nCreate and execute functional, integration, end-to-end, regression, negative, exception, recovery, reconciliation, and certification test scenarios and cases.\nValidate ISO 20022 messages, business rules, transaction outcomes, settlement and reconciliation, including reject, return, and exception flows.\nCoordinate certification and interoperability testing with payment networks, financial institutions, and external partners, including test planning, execution, defect management, and evidence.\nMaintain traceability across requirements, acceptance criteria, test coverage, defects, and release readiness.\nProduce defect and root-cause analyses for complex test and production issues and work with delivery teams through resolution and validation.\nDevelop implementation and production validation plans covering deployment checks, critical payment flows, reconciliation, operational verification, and success criteria.\nFacilitate working sessions with business, technology, and operations teams to develop standard operating procedures, runbooks, change-management plans, and support documentation required to operationalize new or changed capabilities.\nProduce release-readiness assessments covering test results, defects, risks, dependencies, operational readiness, and outstanding items to support go/no-go decisions.\nContribute reusable standards, templates, and knowledge that improve requirements, testing, and production-readiness practices across the team.\nWhat You'll Bring:\nStrong understanding of the end-to-end payment lifecycle, including processing, clearing and settlement, reconciliation, rejects, returns, and exception handling.\nExperience with Low Value, domestic account-to-account, or real-time payment systems.\nExperience with ISO 20022 and XML payment messages.\nStrong business and systems analysis experience, with demonstrated ability to produce requirements, user stories, acceptance criteria, process flows, story maps, and impact analyses.\nHands-on experience developing test strategies and executing functional, integration, end-to-end, regression, and certification testing.\nExperience designing test coverage for positive, negative, reject, return, exception, recovery, and reconciliation scenarios.\nExperience producing risk assessments, implementation plans, production validation plans, operating procedures, or similar delivery artifacts.\nExperience investigating complex defects and production issues across integrated systems.\nAbility to understand complex system interactions and identify downstream impacts, dependencies, and gaps.\nAbility to communicate clearly and work effectively across business, technology, operations, payment networks, financial institutions, and external partners.\nNice to have:\nExperience with batch payments such as EFTs, ACH, or Real-Time Rail (RTR).\nKnowledge of payment clearing and settlement processes.\nExperience with ISO 20022 payment and payment-status messages.\nExperience with industry certification, interoperability, or bilateral testing with financial institutions.\nWorking knowledge of SQL for transaction analysis, reconciliation, and test validation.\nExperience testing APIs and working with XML or JSON payloads.\nExperience with event-driven or message-based integrations.\nExperience with test automation.\nExperience supporting highly available or real-time transaction-processing platforms.\nExperience delivering large-scale payment modernization initiatives.\nWhat's in it for you?\nDiversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employee to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.\nAccessibility and Workplace Accommodations - We value the unique skills and experiences each individual brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone. Scotiabank continues to locate, remove, and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.\nUpskilling through online courses, cross-functional development opportunities, and tuition assistance.\nCompetitive Rewards program including bonus, flexible vacation, personal, sick days, and benefits will start on day one.\nCommunity Engagement - no matter where you choose to work from; we offer opportunities for community engagement & belonging with our various programs.\nLocation(s): Canada : Ontario : Toronto\nScotiabank is a leading bank in the Americas. Guided by our purpose: \"for every future\", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.\nAt Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. 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