Sr BSA; Credit Card

Location:

Toronto, ON (Hybrid- 4 days onsite)

Domain
- Banking

We are seeking a highly skilled and detail-oriented Business Systems Analyst (BSA) with over experience in the Banking or Financial Services industry, specializing in Credit Card systems
. The ideal candidate will have strong domain expertise across multiple areas of the credit card lifecycle and will play a key role in bridging business needs with technology solutions.

• Collaborate with business stakeholders to gather, analyze, and document requirements for credit card systems
  .
• Lead and support initiatives across one or more credit card domains:
  • Origination – application intake, underwriting, approval workflows.
  • Servicing – account maintenance, customer service processes.
  • Collections – delinquency management, recovery strategies.
  • Rewards – points accrual, redemption, loyalty programs.
  • Disputes – chargeback handling, fraud investigation.
• Translate business requirements into functional specifications and user stories.
• Work closely with development, QA, and product teams to ensure successful delivery of solutions.
• Participate in Agile ceremonies (scrum, sprint planning, retrospectives) and Waterfall project phases as needed.
• Create process flows, wireframes, and documentation using tools like Visio
  , Confluence
  , and MS Office Suite
  .
• Manage JIRA boards and ensure traceability of requirements through the development lifecycle.
• Communicate effectively with stakeholders at all levels, including business users, technical teams, and leadership.
• Support testing and validation efforts, including UAT coordination and defect triaging.

• Strong background in KYC, AML, and customer onboarding processes.

• Experience with payment rail operations (ACH, SWIFT, Fed Wire, RTP).
• Hands-on with payment account management, compliance, and collections.

• Experience in chargebacks, fraud control, compliance, and customer service escalations.

• Managed card activation, credit line adjustments, and customer contact updates.

• Exposure to cash advances, refunds, fee reviews, and financial reporting, cash flow management and settlements.