SUMMARY:

• Senior Business/Data analyst with over 8 years of experience in the domain of Banking and financial services with solid understanding of Business Requirement elicitation techniques, Business Requirements Gathering, Business Process Flow and Business Process Modelling.
• Strong understanding of Mortgage banking, Credit Approval System, MBS, SOX and Basel accords and Investment banking (Stock exchange, Fixed income, Stocks/bonds, equities, options/futures, trading operations, mutual funds etc.).
• Experience conducting JAD (Joint Application Development) sessions with Stakeholders and Business Partners to resolve issues.
• Expertise in the field of Business Analysis, Risk Analysis, Software Validations in Banking projects, multi - tier, and web based application for various horizontal and vertical industries.
• Excellent skills in Business Analysis, Data Analysis, Rapid Application Development, Requirement Analysis, Business Process Modeling and Use Case Development as well as Activity Diagrams, Class Diagrams and Sequence Diagrams using UML methodology.
• Experience Working on Loan IQ (LIQ), SharePoint and Virtual Board Room systems/ applications.
• Strong experience in Data Centric (analysis, validation), Data Validation, Data Modeling, Data Profiling, Data Verification, Data Mapping, Data Loading, Data Warehousing/ETL testing and BI Reports Testing.
• Knowledge of Commercial Lending Systems like Loan IQ. Familiarity with Consumer Lending Processes.
• Strong understanding of all annuities (fixed, indexed, and variable)
• Strong Analysis knowledge of Derivatives Trading Operations, Products and Markets, Capital Management, Portfolio Analysis, Stock Valuation, Project Auditing and Financial Forecasting.
• Extensive experience in working with Risk Management, Mortgage Loan Servicing, and Commercial and Residential mortgage , CMBS, MBS, Mortgage Pre-payment risk, Risk Analytics for MBS , Loan Servicing, Loan Ordination, CMBS, Secondary Mortgage Market.
• Experienced with Mortgage Servicing, Loan Monitoring, LOS and Assets Management.
• In depth knowledge of Trade Settlements process between Loan IQ and IHSMarkit Trade Settlement platforms (ClearPar & Loan Settlement Manager) as well as the communication methods between these applications (Webservices & Message Director)
• Comprehensive knowledge of Anti Money Laundering (AML), Bank Secrecy Act (BSA), BASEL II and III, and Dodd-Frank Act.
• Extensive experience in developing and enhancing applications for financial processes including Hedge Funds Pricing, Trade and Settlements operations.
• Proficiency in performing Data Validation and Preparation of Test Data in UNIX environment using various UNIX commands and editors.
• Adept in data Extraction, Transforming and Loading (ETL) using various tools such as SQL Server Integration Services (SSIS), Data Transformation Services (DTS), Bulk Copy (BCP), creating Dynamic packages for Incremental Loads and Data Cleansing in Data Ware House.
• Extensive understanding of Software Development Life Cycle (SDLC) including Waterfall, Agile Scrum and Rational Unified Process (RUP).
• Experienced in conducting GAP Analysis, User Acceptance Testing (UAT), Operational Readiness Testing (ORT), SWOT analysis, Cost benefit analysis and ROI analysis.
• Extensive experience in gathering and documenting Business and Functional Requirements (BRD, FRD), User requirements, Use Cases, System Requirement Specs (SRS). Prototyping, Surveys, User Stories, Joint Application Requirement / Design (JAR / JAD) and Brainstorming.

TECHNICAL SKILLS:

Domain expertise: Mortgage loan servicing, Mortgage-Backed Securities (MBS), Stocks, Options, Commercial lending, Wealth Management, Capital markets, Fixed income, Equities, Risk management, FX, Asset management, Derivatives, Bonds, Hedge fund, Credit risk, Market risk, Loan orientation, Loan processing, SOX, ETL, Data warehouse, EMIR, BASEL

Defect Tracking Tools: Bugzilla, JIRA, Mantis, HP ALM/Quality Center, Rational ClearQuest

Testing Tools: - Selenium, QuickTestPro, Windmill, Watir

Software IT Tools: Rational Rose, Rational SoDA, Rational Clear Case, Requisite Pro

Methodologies: SDLC, Agile, Waterfall, Scrum, RUP, UML, Spiral, Six Sigma

Data Warehouse tools: Informatica, IBM - Websphere DataStage, AB Initio

Business tools: MS Visio, MS Project, MS Access, MS Office Suite, idashboard, SharePoint, Cognos, Lucid Chart, Intellect BPM, KissFlow, Tableau, Salesforce, NCino, Metacenter, Collibra

Databases: Oracle, IBM DB2, MS SQL Server, Teradata, MySQL

PROFESSIONAL EXPERIENCE:

Confidential, Irvine, CA

Business Data Analyst

Responsibilities:

• Facilitated and managed meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
• Gathered data requirements and prepared Confidential 's for 300+ systems including various mainframe systems and Web applications in as-is state.
• Scanned copybooks and metadata in Metacentre and Collibra.
• Prepare business glossary and metadata with Confidential for all deposit related CDE's.
• Read COBOL programs and copybooks for gathering the data requirements from the stakeholders.
• Prepared data quality questionnaire and user forms in excel for SME's using Visual Basic.
• Held meetings with SME's from different business area including fraud management, retail customer service, Commercial banking and operations to collect all the Data Quality issues.
• Reported metrics to management via Excel Pivot Table analysis on a daily basis on all action items, risks and concerns for multiple projects.
• Performed extensive Data mapping between systems in as is state (Racer, AFS, SIL, STP etc.) and target state.
• Lead the task to collect the data quality issues from different business areas including Fraud management, retail customer service, commercial bank and operations.
• Prepared a Data Quality assessment Catalog for all the issues reported by different business SME's and handed it over to the leadership.
• Used SQL Server and TOAD to perform Data Profiling on the customer data for data quality issues reported by different business units.
• Prepared a detailed report analyzing profiling results for different quality issues and presented it to the leadership.
• Identified and categorized issues reported by business SME’s in Data quality, operational and systems issues.
• Facilitated business workshops and functional requirements gathering sessions with stakeholders to develop the BRD.
• Used SQL and applied various business conditions in MS-access to match and merge numerous excel spreadsheets.
• Created reports, charts and presentations to support business leaders and illustrate business process flows.
• Worked with various business and functional leads, Service Integrator and vendors to provide inputs during JAD sessions.
• Used advanced Excel to work on large datasets by developing formulas, creating Pivot tables, V-lookup and H-lookup formula development, regression analysis.
• Performed GAP Analysis and impact analysis; identified and documented the changes that need to be done in Confidential ’s because of change in scope.
• Created UML diagrams such as Activity, Use Case, Flowcharts, using Rational Products and MS-Visio.
• Lead offshore team sessions to cross pollinate, maintain cadence and ensure round the clock work flow.
• Prepared Work Breakdown Structure (WBS) using MS-Project, input project activities, determined activity durations, and logic relationships.
• Presented and explained the objective of various documents including Data requirement document, Data quality assessment catalog etc.
• Performed User acceptance testing on large data sets for the issues that were resolved by the technical team.

Confidential, Warren, NJ

Sr. Business Analyst/ Data Analyst

Responsibilities:

• Used Toad for Writing and executing the SQL Queries to provide backend security and data consistency.
• Performed financial data analysis such as end-to-end data mapping on two major capital markets projects feeding data to a more robust financial data warehouse system that allowed for the automated calculation of liquidity premium charges for the Financial Controller’s Group on foreign loans & unfunded commitments
• Cost reduction and expense control by using Six Sigma.
• Assisted personnel in understanding Six Sigma methods and putting those methods to use in their daily activities.
• Providing training demos and creating executive dashboards, release notes and training manuals
• Strong understanding of Capital Budgeting and analysing which type of financing (debt or equity) is best.
• Collaborated with Infrastructure technical teams to resolve more complex IAM security related issues.
• Collaborated with internal stakeholders to build interfaces between applications and IAM tools.
• Perform QA/QC tests on loans with a high level of accuracy for Loan Administration, Property Preservation, Lien Release, and ARM as well as many others.
• Major contributor in application solutions for new product development i.e. Hedge Fund, Exchange Traded Funds, home loan portfolios; including administration, operations, compliance, client facing analysis and reporting.
• Defined logic to correct many funds in AIS Dashboard for Master-Feeder Fund Structure for the fixed income instruments like Hedge Funds.
• Helped development team build logic for applying factor for pay down fixed income securities such as Mortgage-Backed Security (MBS), and ABS (Asset Based Securities).
• Assessed commercial lending industry operations, service delivery, procedures and technology trends by evaluating origination processes, financial information, loan applications, data flow diagrams and IT capabilities.
• Provide detailed data mapping between Loan IQ and other core applications.
• Involved in requirements and functional solution for building of Segregated Collateral System to comply with Dodd-Frank and EMIR requirements of holding pledged collaterals in a segregated account.
• Performed White Box, Black Box, and Usability Testing.
• Profiled the data using Informatica Data Quality (IDQ).
• Worked with IDQ on setting Business Rules and Designed Workflows for Data Validation .
• Analyze different investment options for short term and long term like Commercial paper, Convertible Bonds, Mutual Funds, Stocks, and Bonds, futures, Options and suggested different ways to hedge the account holders' investment.
• Conducted meetings with traders, front-office support and front-office technology group to understand the trading of equity derivative products and capturing the impacts on the future state.
• Conducted benchmarking / competitor analysis to support Equities business managers in developing business plans (short and long term).
• Strong understanding of indexed funds like ETFs.
• Review and approve Business Requirement Documents for customization efforts of the new LOS to ensure all business functions are available in the future state.
• Defined and developed methodologies to manage market risk for the Mortgage desk, implemented significant methodology changes such as Specific Risk, Historical Simulation, reducing VaR by $40m and Economic capital by 30%.
• Interacted extensively with customers and UI designers to determine ways to improve the UI feel and the user experiences. Documented the gathered business requirements into detailed Business Requirement Documents (BRDs) for BASEL III and its Addendum.
• Identified areas for potential process improvements using business process management (BPM) to systematically define current activities, including timing and resources, creating project work schedules and operational objectives.
• Preparing various models to reduce interest rate risk.
• Conducted daily scrum meetings to coach and mentor the self-organized, cross-functional Agile Project team on key principles of Scaled Agile (SAFe) competencies & practices including team ownership, commitment, effective user stories, agile estimation, and transparency.
• Compare current reports against new LOS functionality to identify reports that can be retired due to new system integrated workflow processes.
• Conducted a comprehensive use case analysis to determine key abstractions such as loan underwriting, loan-closed, borrowers-info, mortgage-payments etc., and their mapping to the standard analysis mechanism to enable maximum reuse.

Confidential, Houston, Texas

Business Analyst / Data Analyst

Responsibilities:

• Communicated with multiple departments in order to ensure the mortgage process was followed: Underwriting, sales, closing, and subordinations.
• Acted as a liaison between portfolio management , traders, operation staff, and internal system developers to document detailed equity trading workflows for onshore investment trust accounts, pension/separate accounts, and offshore accounts.
• Developed and managed ETL processes that imported client files into vendor applications.
• Designed excel spreadsheets that allowed employees to analyze data such as month end sales.
• Involved in troubleshooting database issues such as slow performance and data corruption.
• Created user defined tables that improved performance and speed of queries.
• Gathered business requirements from team members to create custom reports.
• Implemented SSIS for data migration to an online database.
• Performed as the primary Intermediary between the Subject Matter Experts such as Credit Risk Managers, Market Risk Managers, Portfolio Managers and relationship managers to understand and identify the business needs, Business Rules, Business Processes & Interface Specifications.
• Worked on Risk analysis, Securities (Stocks and corporate bonds) and their valuation, Portfolio Management (risks and returns) and analysis, Asset Allocations Bond pricing, Financial Derivatives, Cash flows, financing structure, Capital Management, Stock Valuation, Amortization, etc.
• Provided relationship and portfolio management support for portfolio of loans in the Commercial Lending Division.
• Documented reconciling financial data submitted by Servicers and Trustees for a mortgage loan servicing application.
• Helped analyzing business processes and created Business Requirement Definitions for new Loan IQ functionality to accommodate specific regulatory and business requirements.
• Create visualizations of data in Tableau using SQL, Teradata and Excel to help managers pick up SWOT for their business units.
• Analyzes incoming work and IAM metrics/measures to drive improvements to the IAM program
• Documented loan disclosure procedures in accordance with regulatory and procedural requirements.
• Identified business process models for International Business in Asset Management, fixed income, and mutual funds.
• Created LOS Help desk and procedure for initial response to questions, issues and concerns, development of FAQ list and online guides.
• Worked in the environment involving Agile PLM (Product lifecycle management) Administration and configuration and customization, this includes the discussion and understanding the customer issues and defining the Agile Users/ Workflows/ Roles and Privileges.
• Served as a managing Business Analyst for a mortgage compliance initiative to alleviate potential litigation. Worked to identify compliance issues and reviewed all existing mortgage documents for project.
• Documented the UAT Plan for the project. Worked with the UAT Team to ensure every acceptance criteria for the requirements had been included in the UAT Task Plan.
• Maintained Traceability Matrix Table to uniquely trace the identified Business Requirements to general design to testing as proof that requirements requested have been developed into a solution and that it has been tested and tracked.
• Prepared for GAP Analysis ; identified and documented improved areas to meet capital requirement regulations for BASEL II Compliance.
• Create data mapping documents to define required elements on inbound SWIFT, XML or FpML messages, as well as to define the expected data format; specific to OTC derivatives, ETD's, Commodities and FX transactions.
• Worked in ARGO Sales & Service (SNS) & Loan Origination System (LOS) application for the defects and enhancements for the releases.
• Assisted Equity Derivatives IT in Risk Valuations, Scenarios, and Modeling/Analytics.
• Evaluated acceptability of loans to corporations that bought loans on secondary mortgage markets, where existing mortgages were bought and sold by investors.
• Followed Rational Unified Process (RUP) methodology and its guidelines for project planning, analysis, design, development, resource allocation, testing, and implementation.

Confidential, Minneapolis, MN

Business Analyst

Responsibilities:

• Assisted with the creating, development, and testing of the Mortgage Technology Statement of Work SharePoint site which was utilized for expense/forecasting purposes.
• Used agile methodology for logic implementation for Mortgage Banking attributes.
• Created the user requirement specifications and helped convert them to functional requirements and managed them in Rational Requisite Pro with proper traceability to the system requirement specifications (SRS) and also created the business vision document and glossary.
• Gathered Business Requirements and created Use Cases thus formed Use Case, Activity diagrams using MS VISIO.
• Performed Gap Analysis to identify the deficiencies of the current system and to identify the requirements for the proposed system.
• Used JIRA to track defects and issues.
• Interpreted metrics and participated in the development of appropriate actionable plans for the definition of a new and/or improvement of an existing ITIL process.
• Involved with team and stakeholders in FX hedging and FX Composite Rate and reporting.
• Identified, researched, realized, investigated, analyzed, defined and documented business processes and Use Case Scenarios.
• Worked with Portfolio management teams using Loan IQ to confirm AI products eligibility in client's portfolio objective and constraints.
• Interacted with Fixed Income business heads to finalize the Business Requirements for the application.
• Created functional & technical specifications for an in-house front office trading application whose main products were related to ABS (Asset Backed Securities), CDO (Collateralized debt obligations) and Whole Loan Mortgages.
• Analyzed business needs, created and developed new centralized back office system for specific area including mortgage and commercial lending system.
• Analyzed data from the retail mortgage lending channel, structure and presented change proposals to management.
• Involved in managing and clearing Fixed Income, Equities, Derivatives and futures trade exceptions resulting from deficiencies in static data.
• Developed internal reporting using MS SQL Server to track that individual milestones and workstream targets have been met.
• Process routine transactions associated with ongoing account management. (Advances/payments, rollovers, Loan IQ data maintenance, etc.)
• Gathered and interpreted data from various sources to build database for risk management research.
• Processed corporate actions for equity, fixed income, international, and domestic securities.
• Worked with the complete SDLC, elicit, analyze and define requirements. Executed Agile SDLC project using offshore and onshore managed service model.