Banking Bill Pay – Business Systems Analyst

Role Summary

The Information Technology Lead, Business Systems Analyst will lead end-to-end customer migration activities for a bank acquisition, with primary ownership of migrating customers, accounts, and product entitlements into the acquiring bank’s Bill Pay application. This role drives requirements, mapping strategy, data transformation rules, testing, cutover readiness, and post-migration stabilization—partnering across business, operations, technology, vendors, and data teams to deliver a compliant, accurate, and low-disruption conversion.

Key Responsibilities

Migration Leadership & Delivery

• Own the migration workstream for Bill Pay conversion, including scope, approach, timeline, dependencies, and risks/issues management.
• Lead cross-functional workshops to define target-state Bill Pay operating model and conversion requirements.
• Coordinate with program management, core banking, digital channels, data engineering, info security, and operations teams to ensure integrated cutover planning.

Customer, Account & Product Mapping (Core Focus)

• Define and manage mapping rules for:
• Customer/party mapping: CIF/party IDs, profiles, contact info, preferences, authentication references (as applicable).
• Account mapping: DDA/SAV/LOC/credit accounts, funding accounts, account status, ownership, joint accounts, business accounts.
• Product & entitlement mapping: Bill Pay enrollment status, user roles, permissions, payee access, limits, biller eligibility, and feature flags.
• Establish transformation logic for account-to-billpay relationships (e.g., which accounts are eligible funding accounts, default accounts, multi-account customers).
• Create and maintain mapping documentation, crosswalk tables, and business rules with clear traceability from source to target.

Requirements & Solution Definition

• Elicit and document functional/non-functional requirements, data requirements, and integration needs for Bill Pay migration and target-state operations.
• Translate business needs into system requirements and user stories with acceptance criteria (including negative scenarios and edge cases).
• Ensure alignment with compliance, risk, and audit requirements (e.g., retention, customer communications impacts, access controls).

Data Analysis, Validation & Reconciliation

• Partner with data teams to define extraction datasets, data quality checks, and transformation specifications.
• Establish reconciliation controls and success criteria:
• Customer counts, enrollment counts, account linkages, payee counts, payment histories (as in-scope), and exception thresholds.
• Define exception handling workflows (e.g., unmapped products, inactive/closed accounts, duplicate customers, missing identifiers).

Testing & Cutover Execution

• Build and execute testing strategy for conversion:
• Mapping validation, system/integration testing, UAT support, performance testing (as needed).
• Develop test cases and oversee defect triage with root-cause analysis and resolution tracking.
• Lead cutover readiness: mock conversions, go/no-go criteria, runbooks, rollback considerations, and hypercare plan.

Vendor & Platform Coordination

• Interface with Bill Pay platform/vendor teams to confirm target data model, APIs/file formats, and platform constraints.
• Manage vendor deliverables and clarify requirements around enrollment, payee migration, scheduled payments, and notification preferences.

Required Qualifications

• 7+ years in business systems analysis and/or IT delivery roles within banking/financial services.
• Hands-on experience leading or supporting bank conversion / acquisition migrations, preferably digital channel migrations.
• Strong experience with data mapping, transformation rules, and reconciliation for customer/account/product domains.
• Proven ability to write clear BRDs/FRDs, user stories, process flows, and detailed mapping specifications.
• Strong SQL/data analysis skills; comfort working with large datasets and conversion extracts.