SUMMARY:

• Business analyst with 6+ years of experience in Finance and banking services with a prime focus on, regulatory reporting and other financial services applications; leading in the development, documentation, and delivery of business goals
• Have good understanding of Equity, Cash management, Capital market, SWIFT and Credit risk, Derivative Securities fundamentals with hands on experience
• Have Solid understanding of regulatory reporting, Market Risk Control, Basel II, Basel III and other regulatory reporting processes.
• Excellent knowledge of the Misys Loan IQ Batch Execution Framework and Expertise in development with Misys Loan IQ APIs
• Expertise in underlying Misys Loan IQ data model and components
• Knowledge of Capital Markets: Loans, including Operations, Deal Structure, Loan Types, and the various businesses that support Loans

PROFESSIONAL EXPERIENCE:

Confidential, McLean, VA

Sr. Business Analyst

Responsibilities:

• Worked as a Business Analyst, leveraging the knowledge gained for migrating the Commercial Lending Process from existing AFS Application to the new application platform Loan IQ, mainly focusing on the Commercial Lending Servicing process.
• Acted as a liaison between Business and SDLC partners to plan and execute automation of complex decisioning tool.
• Managing all phases of the Software Development Life Cycle (SDLC) including Analysis, Designing, Development, Testing, Deployment, Maintenance and Operational support while balancing resources, schedule, and budget
• Demonstrates excellent knowledge of AML and banking security regulations including the US Patriot Act and Bank Secrecy Act and is experienced in the execution of transaction audits and the delivery of training in banking environments.
• Worked on Credit Risk in which major component were Credit valuation adjustment (CVA and Stressed CVA) which was the bulk of the CCAR schedules. Main schedules were the FRY - 14A.5 and FRY-14Q - Schedule L - Counterparty.
• Worked with compliance like Basel II and III; Dodd-Frank Act, CCAR (FRY 14A, FRY 14M) for defining and validating capital requirements.
• Creating and maintaining the database using SQL and Excel.
• Conducted AML reviews and ensured adherence to existing financial regulations and Supervised money market sweeps and monitor exposure to risk.
• Carrying out data warehousing data analytics responsibilities making sure the model used for Credit Risk forecasting for various lines of businesses are functional.
• Conducting audit reviews of new Customer Information File (CIF)/KYC documentation for BSA Risk rating validation at customer onboarding and during periodic due diligence reviews.
• Analyzed several Data Net queries and developed Loan IQ SQL to support upgrade from Loan IQ v6 to v7.2. Analyzed and Developed User Metrics Report for Agency Services. Prepared Loan IQ Data Net and Model Training.
• Documented functional specifications to automate the loan approval process for home Mortgage (online application, workflow - for the credit department, upon approval the system routes the application to the underwriters for review)
• Drafted Requirements and Data mapping to deliver clean and confirmed trade transactions, cash flow and collateral data and capability to produce Federal reserve report 2052A.
• Conducted detailed business analysis and completed the process maps for Basel III Liquidity risk ratios.
• Identified & established links to other Regulatory Reports like FR Y-9C, 14Q for Sourcing of Actual data to be used for Projections.
• Supported company’s risk appetite by establishing counterparty limits and daily monitored risk exposure for Capital Market counterparties.
• Assisted in OFSAA for sourcing OFSAA tables, Data Migration, Data Mapping for financial data and provided Data Lineage documents to rectify the errors in source to target mapping.
• Liaison with various IT teams to coordinate report automation, aid in data validation and multiple other efforts for data clean-up.
• Collected the functional requirements from the business users and translate them into the Business Requirements Documents (BRD).

Confidential, NYC, NY

Business Analyst

Responsibilities:

• Worked with QA team on conducting user acceptance testing (UAT) and involved in preparing a detailed user manual for all the applications.
• Worked on several reporting tools like crystal reports, SQL server reports, report writer etc.
• Lead various process improvement projects within Capital Markets and ensure timely and accurate results of all project deliverables.
• Analyze and interpret the additions and changes in CCAR/DFAST reports like FRY-14A, FRY-14Q, and FRY-9C by FED to implement the correct solutions.
• Identified and measured sales, customer service, credit risk, and performance metrics via data and quantitative analysis and on-site meetings with management teams within the retail bank's Sales, Underwriting, and Collections departments
• Conducted detailed analyses to identify patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses/products and compiled suspicious activity reports for BSA/AML Management.
• Assist with customer data requirements, data acquisition and data validation for the AML and Fraud SaaS product line.
• Conducted weekly meetings to decide the Policies and Procedures to be followed while constructing new sites. Tested Loan IQ operations related to the commercial loan trading system.
• Actively identifying, reporting, and remediating AML and KYC related deficiencies to minimize potential loss to the bank
• Lead optimizations and management of regulatory data requirements for secured funding transactions(FR 2052a).
• Developed Market Risk and Credit Risk functional specification for Value at Risk VaR and Regulatory Capital functional specification for the calculation of the Risk Weighted Assets RWA exposures.
• Coordinated with Analysts, Managers, Developers and Testers for complex projects during the SDLC.
• Performing UAT testing, data validation and data migration. Interfacing with technical staff (i.e. Developers, Database and System administrators).
• Work with vendor technical support to identify ongoing issues and defects that need to be resolved for the Commercial Lending System. Utilized Commercial Lending banking application and was responsible for the design and process flow of the system.
• Responsible for defining and designing commercial lending loan approval process which resulted in data collection and analysis compliance. Introduced Agile and RUP methodologies to reflect liquid nature of front-office improving time-to-market.
• Review requirements and performed gap analysis against the OFSAA and FSDF framework and data model.
• Cooperated with CCAR team on delivering the Basel capital regulatory results to serve the CCAR various reporting forms.
• Identified Use cases from the requirements and wrote Use Case Specifications and Created business process workflow diagrams.
• Performed Data Mapping and Data profiling to map various source systems to the new Target source system.

Confidential, Dallas, TX

Business Analyst

Responsibilities:

• Performed Data Analysis and Data Validation by writing complex SQL Queries.
• Creating Business Requirement document (BRD) and Functional document (FSD) for all credit risk initiatives for retail and commercial TD business like Home Loan, Home Equity Line of Credit, Mortgage, Deposits, TD Cards, Auto, Credit Cards.
• Researched and confirmed the veracity of information provided by clients in order to meet the Know Your Customer (KYC) requirement.
• Worked on detailed FRD, and Solution Options Document per BRD and Basel regulatory requirements
• Developed skills in credit risk analysis via examiner training programs and on-the-job assignments.
• Conducted JAD/JAR Sessions to hash out problems with business team and development team and acted as Liaison between business team and development team throughout all phases on SDLC methodology.
• Worked with CCAR teams and assisted with their data needs and performed UAT tests on their new models.
• Understand business and regulatory requirements and ensure functions are being performed in those requirements.

Confidential, Santa Clara, CA

Business Analyst

Responsibilities:

• Worked extensively through agile development methodology by dividing the application into iterations.
• Involved in the meeting with Business process owners, SME (subject matter experts), Finance, Sales Audit and Marketing Team for Requirements gathering in Definition Stage.
• Developed and managed the formal SDLC implementation using the Agile/Scrum Methodology.
• Participated in GAP analysis around the identification of business rules and system process flows, user Administration, requirements, and assumptions.
• Conducted JAD sessions during the various stages of upgrading the matching system and discuss the current system preference.

TECHNICAL SKILLS

Banking: CCAR, FR-Y14A, FR-Y14M, FR-Y14M, FR-Y9C, OFSAA, MYSIS, Actimize, Axiom

Microsoft Office Tools: MS-Office, Visio, VBA Excel Macros.

Methodologies: Rational Unified Process (RUP) and Iterative waterfall, AGILE SCRUM, Waterfall

Modeling tools: UML Modeling using Rational Rose, MS Visio, MS Project.