New

Senior Business Analyst - Tokenized Deposits & Digital Payments

Spectraforce Technologies
United States, New York, New York
Nov 13, 2026
Title: Senior Business Analyst - Tokenized Deposits & Digital Payments Location: New York, NY; Mount Laurel, NJ; Charlotte, NC - Hybrid Duration: 12 months - Possibility of Extension or Conversion Role Overview The Senior Business Analyst will translate the tokenized deposits product vision into clear, testable and traceable business requirements, processes, controls and delivery outcomes. Working alongside the Product Owner, business stakeholders, control partners, operations, technology and delivery teams, the role will create the detailed analysis needed to move from strategic intent to a controlled and operationally viable capability. A Business Analyst connects business outcomes to executable change. The role investigates how work is performed today, defines how it should operate in the future, identifies gaps and risks, clarifies decisions, and documents the requirements, user stories, process flows, controls, data needs and acceptance criteria required for successful delivery. Role Mandate Own the day-to-day business analysis discipline across assigned tokenized deposit and digital money workstreams. The role will structure ambiguity, facilitate detailed discovery, map end-to-end processes, define and manage requirements, embed control-by-design, support solution design and testing, and maintain traceability through implementation and operational readiness. Key Accountabilities: Business Analysis and Structured Discovery Lead fact-based discovery with business, technology and control partners to translate product outcomes and regulatory, operational and technology needs into clear requirements and delivery increments. Use workshops, interviews, research, data and journey analysis to clarify current-state issues, target-state needs, scope, assumptions and dependencies; maintain analysis plans, decision logs and issue registers. Process Mapping and Operating Model Design Map current and target-state processes across issuance, redemption, transfers, payments, settlement, liquidity, reconciliation, exceptions, servicing, reporting and support using process flows, client journeys and responsibility matrices. Define ownership, hand-offs, decision rights, service levels, procedures and exception paths; identify process, policy, data, control, technology and resourcing gaps needed to deliver the target operating model. Requirements, User Stories and Traceability Define and validate business, functional, non-functional, operational, control, data, reporting and integration requirements; translate them into epics and user stories with testable acceptance criteria, business rules, edge cases and dependencies. Maintain traceability from business outcomes and client needs through design, controls, testing and implementation evidence; partner with the Product Owner on backlog priorities, delivery readiness, sprint planning and build-time clarification. Controls, Risk and Compliance Analysis Embed preventive, detective and corrective controls into process design, with clear objectives, ownership, frequency, data inputs, evidence, reporting and exception escalation. Facilitate assessments across financial crime, sanctions, privacy, operational, technology, cyber, third-party, resilience, financial reporting and regulatory risks; align requirements with policies, standards and approvals, escalating unresolved risks and decisions. Solution Design and Data Analysis Partner with Technology and Architecture on solution options, interfaces, integrations, data flows and non-functional needs; assess client outcomes, operational feasibility, controls, scalability, resilience and enterprise standards. Define data ownership, source-to-target mappings, validation, reconciliation, reporting and audit trails; document requirements through diagrams, use cases, sequence flows, business rules and decision tables. Testing, Implementation and Operational Readiness Translate requirements, user stories, processes and controls into test scenarios and expected outcomes; support system, integration, user acceptance, operational and control testing, including defect review, prioritization and closure evidence. Support procedures, training, cutover, data and reconciliation validation, control confirmation and operational acceptance; complete post-implementation validation, capture lessons learned and update the backlog for residual gaps. Stakeholder Facilitation and Delivery Support Facilitate working sessions that produce clear decisions, requirements, process designs, actions and owners; communicate complex business, operational, control and technology topics clearly to delivery teams, experts and senior leaders. Keep Product, program, project, design, technology, testing and change teams aligned; report analysis progress, requirement readiness, decisions, dependencies, risks and impacts on scope, timing and implementation. How much time is being spent in meetings : 20hrs a week Who are they interacting with (internal/external) : internal MUST-HAVE Hard Skills: Significant business analysis experience in financial services, preferably within complex enterprise transformation, product delivery or regulated change programs. Demonstrated ability to lead analysis across multiple workstreams and stakeholders, from discovery through implementation and operational readiness. Strong skills in requirements elicitation, process mapping, gap analysis, user-story development, acceptance criteria, business rules, traceability and workshop facilitation. Practical experience defining processes and controls, including risks, control objectives, ownership, evidence, exceptions and testing considerations. Strong knowledge of deposits, payments, treasury, liquidity, settlement, transaction banking, operations or related banking capabilities. Experience with domestic and cross-border payments, ISO 20022 messages, clearing and settlement, intraday liquidity, reconciliation, exception handling, sanctions screening and regulatory requirements. Understanding of blockchain, distributed ledger technology, tokenized deposits, stablecoins, digital money, smart contracts, wallets and digital asset infrastructure. Experience working in agile or hybrid delivery environments and using tools such as Jira, Confluence, Azure DevOps, Visio, Signavio, ARIS, Miro or equivalent. Soft skills: Excellent analytical thinking, documentation, facilitation, communication, negotiation and stakeholder-management skills. NICE-TO-HAVE Knowledge of capital-markets processes such as trade capture, matching, clearing, custody, collateral, asset servicing and delivery-versus-payment settlement is an asset.