Developing A Business Idea/Plan while Working

Im an incoming analyst and I have a business idea that I want to eventually take on full time but not until a few years down the road. I know if you invent something while working it can become the bank's invention not your own. If i just sketch down ideas, some research, and a business plan (not anything actionable like getting funding) could it come back to bite me in the future? Should I just wait until I'm ready to jump to it full time to really do anything.

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