System Analyst IS-96550

Role: System Analyst

Job Level: > 10 yearsof relevant experience (L4)

Location: Singapore

Key Responsibilities

● Lead the technical analysis, microservices integration design, and end-to-end delivery of BI-FAST Request for Payment (RFP), e Mandate, and Direct Debit capabilities for Indonesia. This role requires strong engineering expertise in API standards, microservices orchestration, event-driven patterns, and reuse of existing platform components from previous projects.

1. Technical Delivery & Systems Analysis

● Own BI-FAST RFP, e Mandate and Direct Debit delivery across requirements → solution design → integration → testing → rollout.

● Produce engineering-ready specifications:

○ API specs (REST/JSON), Open API/Swagger definitions

○ Microservices interface contracts, event schemas, callback payloads

○ Sequence diagrams, state machines, mapping specs, errormodels

● Define end-to-end orchestration flows for:

○ RFP initiation, acceptance, expiry, rejection

○ Mandate lifecycle events

○ Direct Debit presentment, validation, debit and return

● Specify robust pre-processing logic:

○ Customer/account validation

○ Entitlement and authorisation checks

○ Funds availability

○ Fraud/AML/sanctions gating

○ Limits, thresholds, duplicate suppression

○ Idempotency, retry and timeout handling

2. API & Microservices Architecture

● Define API and microservices designs using existing components from previous builds:

○ Payment initiation microservices

○ Validation & entitlement services

○ Fraud/AML adapters

○ Core banking and ledger integration patterns

● Reuse existing:

○ API standards (naming conventions, response structures, error formats)

○ Security models (OAuth2/JWT, mTLS, signature validation)

○ Eventing patterns (Kafka topics, event schemas, DLQ handling)

○ Common libraries for logging, telemetry, utility functions

● Ensure microservices follow the Bank’s engineering principles:

○ Loose coupling, clear domain boundaries

○ Async event-driven integration where applicable

○ High availability and horizontal scalability

○ Observability (structured logs, metrics, tracing)

3. User Journeys, Entitlements & Authorisation

● Define user journeys for:

○ RFP initiation (corporate/merchant)

○ RFP acceptance (retail/corporate)

○ Mandate creation and management

○ Direct Debit debit and return flows

● Align journeys with entitlements and auth rules:

○ Per-transaction and daily limits

○ Maker-checker workflows for corporates

○ Channel-specific access rights

● Coordinate with channel teams to maintain parity across Mobile, Internet Banking, H2H and API Banking.

4. Integration & Platform Engineering

● Design integration between:

○ Payment Hub / RFP Orchestrator

○ BI-FAST gateway

○ Mandate / Direct Debit engines

○ Core banking, ledger, AML, fraud

● Use existing microservices blueprints for:

○ Error propagation and code mapping

○ Schema validation and transformation

○ Event lifecycle management

○ Callback patterns and async updates

5. Scheme, Regulatory & Risk Alignment

● Translate BI-FAST RFP, e Mandate and Direct Debit scheme rules into:

○ Validation rules

○ Reason code mappings

○ Reversal/return workflows

● Embed mandatory controls:

○ AML/CFT & sanctions

○ Fraud monitoring

○ Non-repudiation and evidence capture

○ TRM, cybersecurity and audit trail requirements

6. Testing, Deployment & Operational Readiness

● Lead SIT/UAT/E2E test scenario design for:

○ RFP → acceptance → settlement flows

○ Mandate lifecycle

○ Direct Debit presentment/return/dispute cases

○ Timeouts, retries, negative tests

● Work with Engineering & Ops to ensure:

○ Monitoring dashboards and alerts

○ Reconciliation and exception queues

○ Runbooks for replay, retry and operational fixes

● Support scheme certification and phased deployment.

Success Measures

● High-quality BI-FAST RFP, e Mandate and Direct Debit delivery with minimal defects.

● Strong reuse of existing microservices, reducing build complexity and time-to-market.

● High STP rates, stable performance and consistent low-latency behavior.

● Clear, engineering-ready specifications enabling smooth developer adoption.

● Strong governance alignment across Product, Engineering, Operations and Risk.

Key Requirements

● 7–12 years in payment systems analysis with experience in RFP, e Mandate, Direct Debit, or similar.

● Strong engineering/technical skills:

○ API design (REST/JSON, OpenAPI/Swagger)

○ Microservices architecture

○ Event-driven patterns (Kafka or equivalent)

○ State machine and sequence diagram modelling

○ HA/DR and low-latency systems

● Experience integrating with AML, fraud, entitlements and ledger systems.

● Ability to reuse and extend existing platform components and code frameworks.

Technical Skills

● Open API, Microservices

● Java