Functional Business Analyst

Experience: 6+ Years Role: Functional Business Analyst

Responsibilities:

1. Business Analysis & Requirements Management ·         Lead requirements elicitation workshops with Product Owners, Business Stakeholders, Operations, Compliance, Risk, and Technology teams. ·         Analyse, document, and validate business, functional, and non-functional requirements for Stablecoin and Digital Asset initiatives. ·         Produce BRDs, Functional Specifications, User Stories, Use Cases, Process Flows, and Acceptance Criteria. ·         Perform gap analysis between current-state ("As-Is") and future-state ("To-Be") processes. ·         Manage requirement traceability throughout the SDLC lifecycle. ·         Identify and manage requirement risks, dependencies, assumptions, and scope changes.
2. Stablecoin & Digital Asset Domain Analysis ·         Define and document end-to-end stablecoin journeys including: ·         Pay / Transfer ·         Receive / Collection ·         Fiat ↔ Stablecoin Conversion ·         Wallet Management ·         Wallet Payee Management ·         Onboarding / Offboarding ·         Reconciliation & Reporting ·         Analyse impacts to digital channels including internet banking, APIs, Host-to-Host (H2H), and mobile platforms. ·         Document business rules for wallet operations, transaction lifecycle, settlement, limits, fees, and exception handling. ·         Support future digital asset initiatives including tokenised deposits, CBDC, and programmable settlement capabilities.
3. Corporate Channel & Entitlement Framework ·         Define and maintain corporate channel entitlement models covering: ·         User Roles ·         RBAC Frameworks ·         Maker-Checker Approvals ·         Transaction Limits ·         Authorization Matrix ·         Wallet and Account Entitlements ·         Ensure stablecoin services are integrated into existing corporate banking security and approval frameworks. ·         Work closely with channel teams to define onboarding, subscription packages, and access controls.
4. Regulatory, Compliance & Risk Requirements ·         Collaborate with Compliance, AML, Fraud, and Risk teams to define controls for: ·         KYC/CDD ·         AML Monitoring ·         Sanctions Screening ·         Travel Rule Compliance ·         Wallet Screening ·         Transaction Monitoring ·         Audit and Reporting Requirements ·         Ensure regulatory obligations are embedded into requirements and solution design. ·         Support reviews related to MAS regulations and cross-border digital asset controls.
5. Stakeholder & Delivery Management ·         Serve as the bridge between Business, Product, Technology, Architecture, Operations, and Testing teams. ·         Facilitate requirement walkthroughs and solution discussions. ·         Support Agile ceremonies including grooming, sprint planning, backlog refinement, and UAT readiness. ·         Drive issue resolution and requirement clarifications throughout delivery.
6. Testing & Implementation Support ·         Translate business requirements into test scenarios and test cases. ·         Support SIT, UAT, and Production Validation testing. ·         Review defects and determine whether issues are defects, change requests, or enhancement opportunities. ·         Support implementation, rollout planning, and post-production stabilization Requirements: Key Requirements Experience ·         8–12 years of Functional Business Analysis experience in Banking or Financial Services. ·         Minimum 5 years in Transaction Banking, Payments, Cash Management, or Corporate Banking Channels. ·         Proven experience delivering large-scale digital transformation initiatives. Stablecoin / Digital Asset Knowledge Strong understanding of: ·         Stablecoins ·         Blockchain Fundamentals ·         Wallet Concepts ·         Digital Asset Custody ·         Tokenised Money ·         Tokenised Deposits ·         CBDC Ecosystem ·         Experience supporting Stablecoin, Blockchain, Digital Asset, or Distributed Ledger Technology (DLT) initiatives. ·         Understanding of wallet-to-wallet transfers, digital asset settlement, and on-ramp/off-ramp models. Corporate Banking Channels Strong knowledge of: ·         Corporate Internet Banking ·         Entitlements & RBAC ·         Authorization Matrix ·         User Administration ·         Bulk Payments ·         H2H Integrations ·         API Banking ·         Cash Management ·         Payment Domain Knowledge ·         Strong understanding of: ·         Cross-border Payments ·         RTGS ·         SWIFT ·         ISO 20022 ·         ACH ·         Reconciliation ·         Settlement Processes ·         Knowledge of digital settlement and programmable payment concepts. Business Analysis Skills Expert in: ·         BRD / FRD Preparation ·         User Stories ·         BPMN / Process Modelling ·         Requirement Traceability ·         Impact Assessment ·         Gap Analysis ·         Stakeholder Management ·         Experience with Agile delivery using JIRA and Confluence. Preferred / Good-To-Have Skills ·         Exposure to SWIFT Digital Ledger initiatives. ·         Experience with Stablecoin products such as USDC, tokenised deposits, or institutional digital asset platforms. ·         Knowledge of blockchain networks such as Ripple, Ethereum, Hyperledger, or Polygon. ·         Understanding of smart contracts and programmable settlement. ·         Familiarity with Travel Rule, wallet address validation, and blockchain analytics solutions. ·         Experience working with Compliance, Fraud, AML, and Risk teams on digital asset initiatives. Personal Qualities:

• Articulate well. Clarity in analysing and writing business requirements

• Not an order taker, able to push back complex build needs and offer alternate solutions

• A great team player. Collaborate and communicate well with the other BAs

• Strong analytical and problem-solving skills

• Strong presentation and meeting skills

• Proactive and has initiative to thrive in a fast-paced environment to deliver and meet deadlines

Highly resourceful and self-motivated Key Domain/ Technical Skills: (Indicate up to 3 areas) ·         Stablecoin / Digital Assets / Tokenised Money ·         Corporate Banking Channels & Payments ·         Entitlement Frameworks & Access Management