Job Summary
The Business Systems Analyst – Digital Banking serves as the bridge between UFCU’s digital banking product owners and the delivery teams that build UFCU’s online and mobile banking experiences. Working within an Agile framework and in support of the Product Owner, this position gathers and analyzes requirements; defines, writes, and refines features and user stories; and partners with developers, QA, and UX to implement and test them. The analyst applies strong knowledge of digital banking systems and integrations to help UFCU deliver secure, compliant, and member-centric digital experiences that support the credit union’s strategic objectives.
The Business Systems Analyst is an exempt position and reports to the Director of Digital Banking.
About UFCU
Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures.
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:
Purposefully Member-Obsessed
We are driven by a profound sense of empathy to deeply understand our Members’ needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members’ best interests, forever seeking to empower their financial success.
Possibilities Reimagined
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.
Performance Excellence Rooted in Unwavering Integrity
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.
Essential Functions
Requirements & Analysis
- Partner directly with digital banking product owners to elicit, analyze, and document business, member, and system requirements for online and mobile banking features.
- Facilitate discovery sessions, requirements workshops, and stakeholder interviews with business units, Member Experience, Compliance, IT, and vendors to understand needs, constraints, and success criteria.
- Analyze current-state and future-state processes, member journeys, and data flows; document process maps, use cases, business rules, and non-functional requirements.
- Identify dependencies, risks, and integration impacts across the digital banking platform and interfacing systems, including Symitar Episys, account opening, payments, fraud, and third-party vendor solutions.
- Research and recommend solutions, configurations, and enhancements that optimize the member and employee digital experience.
Backlog & User Story Management
- Define, write, and refine features and user stories with clear, testable acceptance criteria that meet the team’s Definition of Ready.
- Collaborate with product owners to decompose epics and features into right-sized user stories and support backlog prioritization in alignment with the digital banking roadmap.
- Maintain features, user stories, and requirements traceability in Azure DevOps (ADO), ensuring work items are accurate, current, and linked to test cases and releases.
- Actively participate in Agile ceremonies, including backlog refinement, sprint planning, daily stand-ups, sprint reviews, and retrospectives.
- Serve as the requirements subject matter expert for the delivery team, clarifying scope, answering questions, and resolving ambiguity throughout development.
Delivery, Testing & Implementation
- Work closely with developers, QA, and UX to ensure features and user stories are implemented as intended and meet acceptance criteria.
- Collaborate with UX to translate requirements into user flows, wireframes, and prototypes, and ensure designs meet usability and accessibility (WCAG) standards.
- Partner with QA to define test scenarios, review test cases, and support functional, regression, and system integration testing; coordinate user acceptance testing (UAT) with business stakeholders.
- Log, triage, and track defects through resolution, and validate fixes prior to release.
- Support release readiness activities, including release notes, stakeholder communication, procedure and training materials, and post-release validation.
Production Support & Continuous Improvement
- Analyze digital banking usage, adoption, and member feedback (e.g., analytics, app store reviews, member surveys) to identify enhancement opportunities.
- Track Service Level Agreements with UFCU IT and digital banking vendors, and support vendor release management.
- Partner with Compliance and Information Security to ensure digital banking solutions meet regulatory, compliance, privacy, and security requirements to protect the credit union and its members.
- Maintain knowledge of digital banking industry trends, emerging technologies, and member expectations.
- Work collaboratively with business units to assist in the development of projects to meet UFCU strategic objectives.
Other
- Adhere to all company policies, procedures and business ethics codes.
- Complete required regulatory Training as assigned.
- Maintain strict adherence and compliance to all laws, rules, regulations and internal controls specific to your role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.
Knowledge/Skills/Abilities
Knowledge
- Strong knowledge of business analysis practices, requirements elicitation techniques, and Agile/Scrum methodologies.
- Working knowledge of online and mobile banking platforms, features, and member journeys (e.g., login and authentication, account servicing, transfers, bill pay, P2P, card controls, and alerts).
- Understanding of system integrations, APIs, and data flows between digital banking platforms, the core (Symitar Episys), and third-party vendors.
- Familiarity with the software development lifecycle (SDLC), QA and testing practices, and UX design principles.
- Proficient with Azure DevOps (or similar tools such as Jira), Microsoft Office Suite, and diagramming tools (e.g., Visio, Lucidchart, or Miro).
Skills
- Strong verbal, written, interpersonal, active listening, and collaborative communication skills, including the ability to translate business needs into technical requirements.
- Excellent user story writing and documentation skills, with clear, concise, and testable acceptance criteria.
- Strong facilitation skills, with the ability to lead working sessions and build consensus among diverse stakeholders.
- Strong analytical, attention to detail, and organizational skills.
- Member-focused mindset with superior customer service skills.
Abilities
- Ability to break down complex problems into clear, manageable requirements and deliverables.
- Ability to thrive in a fast-paced, iterative Agile environment and adapt to changing priorities.
- Well-developed ability to manage multiple features, user stories, and deadlines simultaneously.
- Ability to work independently and collaboratively within cross-functional teams.
- Ability to properly safeguard confidential information.
- Strong research and problem solving capabilities, and the ability to consistently and effectively make evaluative judgments.
Experience
Minimum Requirements
- Bachelor’s degree in Business, Information Systems, Computer Science, or related field, or an equivalent combination of education and experience.
- Minimum of three (3) years of experience as a business analyst, business systems analyst, or in a similar role.
- Minimum of two (2) years of experience working in an Agile/Scrum environment, including writing features, user stories, and acceptance criteria.
- Must be bondable.
Preferred Requirements
- Experience supporting online and/or mobile banking platforms.
- Credit union or other financial institution experience.
- Business analysis or Agile certification (e.g., CBAP, CCBA, PMI-PBA, CSPO, or SAFe).
- Familiarity with API documentation, SQL/data analysis, and digital analytics tools.
- Familiarity with retail banking laws and regulations as they apply to digital channels (e.g., Reg E, ADA/WCAG accessibility, and privacy).
Physical Demands
The physical demands described are representative of those that must be met by an employee, with or without accommodation, in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Frequent
- While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.
- Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.
- The employee is frequently required to stand and walk.
- Employee will make extensive use of the telephone requiring the ability to effectively and accurately explain complex information.
Work Environment
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
- This position requires frequently working onsite at UFCU Plaza in Austin, Texas.
- This position may involve periodic stressful conditions.
- Occasional adjusted work schedule, overtime, and evening/weekend hours, including support for after-hours releases and production issues.
- May occasionally move from one work location/branch to another.
- Frequent collaboration with cross-functional teams, internal stakeholders, and vendors, both in person and virtually.
- Frequent computer use at a workstation up to two hours at a time.
- The noise level in the work environment is usually moderate.