Senior Business Analyst - Commercial Banking / Treasury Products

The Senior Business Analyst (SBA) plays a critical role in delivering scalable, compliant, and client‑ready commercial banking and treasury solutions. This role partners closely with Product, Technology, Operations, Risk, and external vendors to translate product strategy into clear requirements, document end‑to‑end processes and data flows, and ensure launch readiness for complex cash management capabilities.

The ideal candidate has deep experience supporting digital or data‑driven financial products and thrives in cross‑functional environments where precision, governance, and execution matter.

• Elicit, analyze, and document functional, non‑functional, and data requirements that support commercial banking and treasury products.
• Translate product vision into clear, testable user stories and acceptance criteria for engineering and vendor teams.
• Define integration requirements across internal systems, APIs, vendors, and reporting platforms.

• Document current‑state and future‑state workflows, including client journeys from onboarding through ongoing support.
• Map end‑to‑end data lineage (source → transformation → storage → display), including exceptions and fallback scenarios.
• Ensure clarity around timing, cutoffs, controls, and dependencies across systems.

• Partner with Risk, Legal, Compliance, and Product teams to document:

• Data usage, storage, and transformation

• Automated vs. manual processes

• Control points and approvals

• Support governance reviews related to privacy, model risk, AI usage, third‑party risk, and audit readiness.

• Ensure solutions are defensible, well‑documented, and approved prior to launch.

• Define UAT strategies, scenarios, and acceptance criteria aligned to real client use cases.

• Validate test data, edge cases, and defect remediation.

• Support pilot programs, go‑live readiness, and post‑launch hypercare activities.

• Create and contribute to operating procedures, runbooks, FAQs, and support workflows.

• Partner with Sales and onboarding teams to clarify product readiness, entitlements, and limitations.

• Ensure operational teams are prepared to support the product at scale.

• Act as a central point of coordination across Product, Engineering, Operations, Vendors, Risk, and Support.

• Track dependencies, surface risks early, and ensure decisions are documented and traceable.

• Drive alignment and reduce late‑stage surprises during delivery and launch.

• Bachelor’s degree in Business, Information Systems, Finance, or a related field.

• 5+ years of experience as a Business Analyst supporting digital products, platforms, or data‑driven solutions .

• Experience working in financial services, commercial banking, treasury, or payments environments.

• Strong experience with:

• Requirements elicitation and documentation

• Process and data flow mapping

• UAT planning and execution

• Ability to communicate effectively with both technical and non‑technical stakeholders.

• Experience with cash management, forecasting, reporting, payments, or multibank solutions.

• Exposure to regulatory, risk, or governance processes (e.g., privacy, third‑party risk, audit).

• Familiarity with Agile / Scrum delivery models and tools (e.g., JIRA, Confluence).

• Experience supporting AI‑enabled or analytics‑driven products.

• Hours per Week: 40

• Work Schedule: M-F

The salary range for this position is $90,000 - $128,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States.

For an overview of our benefits, visit https://jobs.citizensbank.com/benefits .

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.