CONTEXT

Empowering clients t seamlessly manage their daily finances with secure, convenient, and user-friendly digital banking services.

The redesign of BMO’s online banking platform, was to replace a complex and outdated legacy system with a more intuitive, accessible, and modern user experience. This initiative was part of a broader digital transformation strategy to meet evolving customer expectations, improve usability, and reduce friction across core banking tasks.

Working cross-functionally with product, tech, and research teams, we reimagined key user journeys—such as account management, money transfers, and bill payments—ensuring the platform was not only visually refreshed but also more functional, secure, and inclusive. The result was a streamlined digital experience designed to build trust and meet the day-to-day banking needs of millions of Canadians.

MY ROLE

I was responsible for redesigning the sections that we called, "What Users See" - bank accounts, credit cards, mortgages, lines of credit, and user profiles. To ensure consistency, I worked closely with the design system team, aligning the new interface with the latest components and keeping it in sync with five other product teams (pods).

I was responsible for redesigning the sections that we called, "What Users See" - bank accounts, credit cards, mortgages, lines of credit, and user profiles. To ensure consistency, I worked closely with the design system team, aligning the new interface with the latest components and keeping it in sync with five other product teams (pods).

I was responsible for redesigning the sections that we called, "What Users See" - bank accounts, credit cards, mortgages, lines of credit, and user profiles. To ensure consistency, I worked closely with the design system team, aligning the new interface with the latest components and keeping it in sync with five other product teams (pods).

OUTCOMES

Streamlined UI across key financial products, improving clarity and ease of navigation for millions of users

Increased design consistency through alignment with the design system, reducing interface discrepancies across five pods

Reduced time-on-task for common banking actions like checking balances and updating personal info (validated through usability testing)

Improved accessibility compliance, aligning with AODA standards to better serve all users

CHALLENGES

When I joined, the project was behind schedule, some designers had left, and design files were inconsistent, creating challenges in maintaining a cohesive experience.

APPROACH

Worked closely with the design system team to ensure all components followed BMO’s latest UI standards and accessibility guidelines and synced regularly with five product pods to ensure consistency across experiences, share insights, and align on handoff timelines


I Delivered updates in phases to validate with stakeholders and adjust based on feedback and designed micro interactions and layout improvements to increase user confidence and clarity across all key screens


This approach ensured that the redesign was not only visually refreshed, but also functional, inclusive, and consistent across the broader ecosystem.

GOAL

The primary objective of this redesign was to modernize BMO’s online banking experience by replacing a legacy system with a cleaner, more intuitive interface that better serves both new and existing customers.

Key goals included:

Improve usability and clarity across core financial products such as accounts, credit cards, mortgages, and profiles


Ensure consistency by aligning with the latest design system components and standards


Enhance accessibility to meet AODA compliance and ensure the platform works for all users


Streamline key tasks like account overviews, transactions, and information updates


Collaborate across teams to keep the experience cohesive across five product pods

The redesign aimed to build trust, reduce cognitive load, and empower users to confidently manage their finances online.

We redesigned the desktop credit card overview page with a strong focus on usability and clarity.

Using a combination of user research and usage data, we identified the key functionalities users needed most—such as current balance, recent transactions, payment due dates, and rewards.

To make the experience more intuitive, we: Improved transaction search and filtering, allowing users to quickly find specific charges. Streamlined the dispute process, making it easier to flag and resolve suspicious activity

Enhanced navigation, enabling quick access to key actions like payments, statements, and card settings—all from the main page.

This redesign helped reduce friction in day-to-day card management and gave users greater control and transparency over their spending.

Centralized personal information management—users can now view and update details like address, email, and digital forms in one place, with clear and simple steps

These enhancements created a more intuitive, trustworthy, and self-serve experience for everyday credit card management.

Impact

This project was a valuable learning experience, allowing me to contribute to a high-priority initiative that transformed from a struggling project into a successful and well-executed redesign for BMO online banking that serves 12 million customers —something my team and I are proud of.

This redesign helped reduce friction in day-to-day card management and gave users greater control and transparency over their spending.