SUMMARY

• Senior Business Systems Analyst, Systems Analyst and Scrum Master with 8+years of diversified experience in successful implementations of software projects involving in - depth understanding of Business Rules, Business Process, Business and functional requirements, Business case preparation, Development and Testing.
• Good working knowledge on Regulatory, Commercial Lending, Wealth Management, Capital Market, Treasury services, global payments, Retail Banking, Equities, Credit Risk, Corporate Banking, Investment Banking, Asset Management, Portfolio management industries. Also having possessed good knowledge on Supply Chain Management, Product development, purchasing sand sales.
• ALLL methodology, and process control assessments
• ALLL methodology, and process control assessments to all aspects of Commercial Allowance for Loan and Lease Losses (ALLL) program
• Provide in-depth and sophisticated analysis with interpretive thinking to define problems and develop innovative solutions. Ability to Negotiate, influence and collaborate to build successful relationships.
• Business Analyst, Current Expected Credit Loss (CECL)
• Manage cross-divisional team responsible for delivering an enterprise wide initiative to comply with the Financial Accounting Standards Board's Current Expected Credit Loss (CECL) requirement.
• Performed IT system periodic activities and oversee the process for completion according to quality procedures.
• Proficient with capital market knowledge, experience in valuation of equities, management of IPO's, etc. and have complete knowledge on all phases of the Software Development Life Cycle (SDLC).
• Compiled costing analysis for senior management and pricing analysts on regional accounts through internal databases and SQL
• Design and create ad hoc mutual fund performance reporting for both fund administration and fund accounting.
• Worked in a variety of roles and having experience of SDLC methodologies, Databases, Collibra, AWS and SAP (HANA, BW and BO).
• Prepared monthly and quarterly senior management reports that contained insight to pricing, efficiency, profitability, cost
• Performed ad-hoc reporting and data analysis to evaluate KPIs of vendors and suppliers using SAP BO and SAP NetWeaver BW.
• Thorough knowledge of Waterfall, Agile, SCRUM and RAD methodologies.
• Proficiency in transforming business requirements into functional specifications focusing on workflow analysis and design, business process reengineering, user interface design, and process flow modeling.
• Elicit requirements from different cross-functional team and clients. Serve as liaison between business Users, policy team and developers to ensure detailed documentation of business requirements and technical specifications for waterfall projects, so that the developers/solution architect will understand the functional requirements for the application development.
• Excellent Business writing skills, including extensive writing of Business Requirements Document (BRD), Functional Requirements Document (FRD), Non-Functional Requirements Document (NFRD) and System Requirements Specification (SRS).
• As a certified SCRUM master worked in developing Agile Process development.
• Conducted daily stand up meetings to get live updates from the team, helping Project Manager actively update the project status, detect risks at early stage and take corrective / preventive actions.
• Compiled costing analysis for senior management and pricing analysts on regional accounts through internal databases and SQL
• Design and create ad hoc mutual fund performance reporting for both fund administration and fund accounting.
• Conducted successful Joint Application Design (JAD) sessions for requirements gathering.
• Extensive knowledge of Object Oriented Analysis and Design using UML, Rational Unified Process (RUP), Requisite Pro, Rational Clear Case and Visio.
• Experience working on JIRA/Confluence/Clarity or other job/resource tracking tools and Microsoft office skills.
• Created tables and schemas using SQL on MySQL Workbench to design a system and extensively used SQL queries for business analytics and analysis of data using data manipulation language.
• Skilled with Data Analysis concepts of Data Modeling, Data Dictionary and Normalization, Created Data Mapping Documents to transfer data from legacy to target system and to reduce data and duplication.
• Expert in GAP analysis, Impact analysis, SWOT analysis, Cause & effect analysis, Cost benefit analysis, Feasibility analysis, Risk analysis, Net Present Value (NPV), Return on Investment (ROI).
• Assisted product owner in backlog refinement and acted as Proxy to product owner in planning meetings.
• Acquainted in UML Modeling and Business process modeling and notations (BPMN) like Activity Diagrams, Sequence Diagrams, Use case Diagrams, Process work Flow Diagrams, created UI/UX wireframes, mockup screens, and prototypes in MS Visio and Mockup Screens.
• Able to interact at various levels and with various stakeholder types (business, technical, and managerial).
• Excellent Verbal and written communication skills.

TECHNICAL SKILLS

Project Management Tools/Methodology: Unified Modeling Language (UML), MS-Project, Rally, JIRA, Agile-Scrum, Waterfall-Scrum, Waterfall, Extreme Programming, Kanban, SAFe

Requirement Management: MS Office, JIRA, Confluence, Rally, HP ALM 11.5.

Reporting Tools: IBM Cognos, Tableau, MS office Suite, Mockingbird, Balsamiq

Database: MS-Access, SQL Server 2008, MDM

Office Tools: MS Word, MS Excel, MS PowerPoint, MS SharePoint, MS Project, MS Visio

Financial Tools: Bloomberg Terminal, Bloomberg B-Pipe, Thomson Reuters, Morningstar

Testing Tools: HP QC, HP ALM 11.5, SOAP UI, Cucumber, Selenium

ETL Tools: Informatica, SQL Server Data Tools-Business Intelligence

Languages: HTML, XML, SQL

Databases: MySQL version 2012, MS Access, Oracle 9i, DB2

Defect Tracking tools: JIRA, HP ALM, HP QC, Confluence

Operating Systems: Windows XP, 7, 8, 10, Linux, Mac OS

PROFESSIONAL EXPERIENCE

Confidential, New York, NY

Senior Business Systems Analyst/ Scrum Master

Responsibilities:

• Worked with vendors and business partners for requirements clarification, requirements gathering and using Business Process Modeling (BPM)
• Acquired experience in all aspects of retail business including sales tracking, financial reporting, staffing, training & development, staff relations, marketing and inventory control.
• Process monthly and quarterly senior management reports that contained insight to pricing, efficiency, profitability, costing.
• Business Analyst, Current Expected Credit Loss (CECL)
• Manage cross-divisional team responsible for delivering an enterprise wide initiative to comply with the Financial Accounting Standards Board's Current Expected Credit Loss (CECL) requirement.
• Audited and updated Bank Wealth Management Target Operating Model, BRDs, CECL Data Attributes, data flow architecture, run book and other documentation to ensure holistic workstream consistency. Partnered with finance, credit, costing and risk teams for UAT.
• Engaged stakeholders and senior management in dry run of CECL operating model prior to go-live.
• Hands on Dodd-Frank Volcker Rule, Front Office Trading Compliance, Intermediate Holding Company (IHC), Comprehensive Capital Analysis Review (CCAR) and Current Expected Credit Loss (CECL).
• Handle the business users and with different levels of management to identify requirements, use cases and to develop functional specifications. Have prepared Business Requirement Documents (BRD's) after the collection of Functional Requirements from System Users that provided appropriate scope of work for technical team to develop prototype and overall system.
• Compiled costing analysis for senior management and pricing analysts on regional accounts through internal databases and SQL
• ALLL methodology, and process control assessments to all aspects of Commercial Allowance for Loan and Lease Losses (ALLL) program
• Managed the ALLL team with key deliverables affecting balance sheet, profitability, costing, pricing, capital, and regulatory space
• Develop and implementation of bank-wide processes, policies and procedures. Pertinent topics include Account Relationships, Criticized Loan Monitoring, Stress Testing, Risk Rating, ALLL, Underwriting, Impaired Loans, and Commercial Credit Reporting
• Design and create ad hoc mutual fund performance reporting for both fund administration, costing and fund accounting.
• Facilitated the scrum meetings and helped to act as a buffer between development team and non-development distractions.
• Maintain pricing reporting system and developed banking application to provide true costing
• Worked with SQL Joins and SQL queries extensively to evaluate data process and end user satisfaction
• Performed Gap analysis and implemented updates for the Data Warehousing Application.
• Used Rational Rose to designed and develop Use Cases Scenarios, Use Cases Models, Activity Diagrams, Sequence Diagrams, State chart diagrams, OOAD using UML.
• Wrote Test Cases in MS Excel for user registration, access to training material, and activity log-in, reviewed the test cases and finalized. Prepared monthly and quarterly senior management reports that contained insight to pricing, efficiency, profitability, costing.
• Acted as a Principal Model Owner for business unit covering both the credit models (PD, LGD, and ALLL model) & Equity scorecard
• Facilitated Joint Requirement Planning (JRP) sessions with SME's in understanding the Requirements pertaining to Loan Origination to Loan Processing.
• Creating User Stories for Agile SCRUM based development methodology
• Created use-case scenarios and storyboards in MS Word and MS PowerPoint for better visualization of the application and managed them using Rational Requisite Pro.
• Coordinated activities with project manager and various other teams using MS Project.
• Supported User Acceptance testing (UAT) and collaborated with the QA team to develop test plans, test scenarios, test cases and test data to be used in testing, based on business requirements, technical specifications and/or product knowledge.

Environment: Agile-Scrum, Windows XP/2000, CECL, Pricing, PL/SQL, MS-Project, MS-Office Suite, MS Visio, Rational Requisite Pro, Clear Case, Costing, Clear Quest, MS Visual Source Safe, Test Director 7.6, Quick Test Pro (QTP)

Confidential, Wilmington, Delaware

Senior Business Analyst/ Scrum Master

Responsibilities:

• Developed and maintained Credit and analyzed data to give insights and optimize credit decision like accept, decline, Pricing and Credit line and build optimize existing customer management.
• Wrote and reviewed business and non-functional requirement specification in the form of user stories, use cases and UML in Agile methodology..
• Commercial Allowance for Loan and Lease Losses (ALLL) program acted as a Principal Model Owner for business unit covering both the credit models (PD, LGD, and ALLL model) & Equity scorecard
• ALLL methodology, and process control assessments to developed a modeling framework that will be compliant for both accounting and costing regulatory agencies to implement Current Expected Losses(CECL)
• Utilized “perfect foresight” to create an impact analysis for CECL and back-tested CECL with a few key assumptions
• Generated stress indices under adverse and severely adverse scenario and correlated them with CECL and CCAR results
• Experience in CECL, IFRS9, CCAR, Credit Risk, Operational Risk and Basel II, Regulatory Reporting
• Worked on the CECL Program, towards the requirements build for Collectively assessed and Individually assessed treatment of loans to account for Expected Credit Loss coordinated meetings across multiple stakeholders including but not limited to Finance, Risk Reporting, Risk Modeling Technology and Operations to obtain clarity on the nuance needed for the CECLdata build
• Worked closely with the IFRS9 Program to leverage best practices towards the CECL data mart design Assisted with strategy and planning for the Restructuring and reuse of the IFRS9 data mart to be piggy backed for CECL
• Performed GAP analysis between existing and the new application. Conducted Kick off meetings for multiple projects with the stakeholders.
• Compiled costing analysis for senior management and pricing analysts on regional accounts through internal databases and SQL
• Managed the ALLL team, with key deliverables affecting balance sheet, profitability, capital, and regulatory space
• Develop and implementation of bank-wide processes, policies and procedures. Pertinent topics include; Account Relationships, Criticized Loan Monitoring, Stress Testing, Risk Rating, ALLL, Underwriting, Impaired Loans, and Commercial Credit Reporting
• Design and create ad hoc mutual fund performance reporting for both fund administration and fund accounting.
• Ensuring the Data quality by checking the completeness, consistency and accuracy of risk data for regulations of BASEL III and Comprehensive capital analysis and review (CCAR).
• Prepared monthly and quarterly senior management reports that contained insight to pricing, efficiency, profitability, costing.
• Expert on all aspects of Commercial Allowance for Loan and Lease Losses (ALLL) program
• Built the foundation for the development effort by capturing the business context - problem, current state, desired future state, objectives, business needs and impacted user groups
• Assisted the Manager with implementing Scrum, played the role of a Scrum Master and hosted the daily Scrum meetings.
• Acted as a Principal Model Owner for business unit covering both the credit models (PD, LGD, and ALLL model) & Equity scorecard
• Used SQL*Loaders to load bulk data from various FlatFiles used SQL for DDL commands utilized SQL to create Risks signals and Extract large subsets of data.
• Established process for Business Analyst peer reviews and internal team reviews helped to prepare Change Control documentation for the Project Manager for changes in Project's scope, schedule and pricing,costing
• Extensively created wire frames using Mockingbird for page, layout, data entry forms and page widgets. Created Requirements Traceability Matrix to make sure all requirements were met and application was thoroughly tested.
• Process of Loan and Lease Losses (ALLL) program and managed the ALLL team, with key deliverables affecting balance sheet, profitability, capital, and regulatory space
• Supported the project manager role in identifying, documenting and tracking of issues and risks on projects. Ensure issues and risks are reported on and resolved/mitigated in a timely manner.
• Validated that all functions perform according to the relevant specifications. Plan and coordinate User Acceptance Testing (UAT). Helped testing team (QA) with the creation of test plans and test cases. Received recognitions for teamwork and overall project success.

Environment: AWS, Informatica,HTML5,CSS3, JavaScript, React, Pricing, Costing, ALLL, CECL, NodeJS, JQuery, XML/Json, SQL, Cumber, Gherkin, MS Visio,Mockup,MSofficesuite2013(Excel,word,PowerCenter,Draw.io)Waterfall methodology.

Confidential, Stamford, CT

Business Systems Analyst/ Systems Analyst

Responsibilities:

• Assisted in Designing BSA/AML documents that ensure compliance efforts are maintained in federal regulations and also documented the payment gateway platform business process.
• Prepared Business Requirement Document (BRD)and Functional Specification Document (FRD) from the elicited requirements and helped the product owner and developing Team in making user stories by using Three C’s and developing the acceptance criteria for them.
• Prepared monthly and quarterly senior management reports that contained insight to pricing, efficiency, profitability, cost
• Elicited requirements from business units and other stakeholder to gather functional and non-functional requirement using techniques like Document analysis, Joint application development.
• Compiled costing analysis for senior management and pricing analysts on regional accounts through internal databases and SQL
• Design and create ad hoc mutual fund performance reporting for both fund administration and fund accounting.
• Analyzed SWIFT and MQ Series data volumes to derive data mapping, Operating SWIFT messaging service for financial messages, such as letters of credits, payments, between member banks worldwide.
• Interviewed Business users, stakeholders and Subject matter expert to determine business needs, gathered and analyzed the requirement from clients.
• Conducted Cost benefit analyst identified and documented AS-IS and To-BE processes to meet capital requirement regulations for AML/BSA compliance.
• Created various Reports and Report folders to assist managers to better utilize Sales force as a sales tool and configured various Reports for different user profiles based on the needs.
• Created and maintained Requirement Traceability Matrix (RTM) to ensure all the requirements are fulfilled and ensure that the all the test cases are been executed according to the proposed plan.
• Developed several Use Case, Activity, Sequence and Swim lane Diagram using Visio according to the company’s template for better understanding and implementation for the developer and uploaded them into Confluence and linked the diagrams with the JIRA.
• Created use-case scenarios and storyboards in MS Word and MS PowerPoint for better visualization of the application, planned and defined system requirements to Use Case, Use Case scenario and Use Case narrative.
• Assisted in generated SQL creation for user defined functions, Complex stored procedures, Query itemization and SQL scripts and Building reports, Scorecard, and Dashboards.
• Assisted in Developing SQL queries to fetch complex data from different tables in remote database using Joints, database links and formatted the results into reports and kept logs.
• Assisted in creating the Data profiling stored procedure using dynamic SQL as well as generating complex scripts to schedule using SQL to test various reports and ETL load jobs in development and QA.
• Created SQL Scripts to install create and drop database object, including tables, views, primary key, indexes, constraints, packages, sequence, grants and created the changes in the database according new requirement.
• Instrumented Informatica Power center we Extracted, Transformation and loaded into data warehouse.
• Involved with the designer in creating Snow Flake, Star Schema following the Normalization rules for Data warehouse
• Assisted Test Engineers with Test scripts, Test cases and ensured that they met the requirements.
• Operated Automation Testing, White Box and Black Box Testing, Business functionality and created Automation Scripts using Selenium and Cucumber.
• Groovy scripting and Restful Web Services. Tested SOAP-based Web Services for enrolling customer’s information.
• Build Test plan and Test summary documents per SDLC standards and created Test Cases, Use cases and performed Unit &Integration testing.
• Collaborate with UI/UX, API and System teams to support development initiatives Knowledge of JSON involved.

Environment: AtlassianJIRA,HTML5/CSS3,JQuery,JavaScript,Angular4.0, XML, JSON, NODE.jsAjax, Draw.io, VISIO, Informatica,RationalRows,Tableauv9.0,MSofficesuite2013 (Excel,word,PowerCenter,Draw.io),Salesforce,Selenium,Cucumber,Water-

Confidential, Nashville, TN

Senior Business Analyst

Responsibilities:

• Participated in project management, design, requirements definition, specification, budgeting, control, and restructuring of organizations
• Prepared Use Case Models based on Business Requirement documentation (BRD) gathered through interaction with users. Studied existing business application and processes, collected end user requirements and suggested the improvised Business Process Model.
• Provide lines of business with support to understand FTP rates, the impact on profitability, and running FTP forecast
• Compiled costing analysis for senior management and pricing analysts on regional accounts through internal databases and SQL
• Design and create ad hoc mutual fund performance reporting for both fund administration and fund accounting.
• Worked with the account managers, managements, and report requestors to gather requirements, get report requests.
• Gap Analysis of client requirements generated Workflow Process, flow charts and relevant artifacts.
• Monitored Multiple Phases of the Activity Based Costing Approach to develop an End-to-End Cost View of Risk Function
• Designed Use Cases using UML and managed the entire Functional requirements life cycle using RUP. Utilized corporation developed Agile SDLC methodology.
• Served on project team that developed key financial metrics for interpreting bank profitability
• Consistently tracked the project status and reported it to all the stake holders involved.
• Evaluating and modeling BPMN process requirements and breaking down complex process maps into user stories and acceptance criteria.
• Escalate consumer reviews that contain potential safety claims for proper handling, including FDA reporting
• Created and maintained the product backlog in Rally and TFS (Team foundation server).
• Identified/documented data sources and transformation rules required to populate and maintain data warehouse content.
• Documented Business Requirements, Functional specifications, Requirements traceability matrix to ensure effective analysis for solution development (AGILE/SCRUM model).
• Established the Finance Department for company including the general ledger, financial statements, budgets, accounts receivable, accounts payable and purchasing on ACCPAC software.
• Manage daily variance tracking and reporting and investigate all discrepancies
• Served as initial contact for problem solving issues relating to variance, denial management and collections
• Designed Data Stage ETL jobs for extracting data from heterogeneous source systems, transform and finally load into the Data Marts.
• Performed Data mapping, logical data modeling, created class diagrams and ER diagrams and used SQL queries to filter data.
• Managed the development of a Business Intelligence (BI) data mart and reporting system within the corporate Oracle data warehouse.
• Worked with SQL queries using MS Access for data manipulations and also worked on exporting data using Teradata.

Environment: Microsoft Office Suite, TOAD,Crystal Reports, Microsoft Visio, OBIEE, Costing,Pricing.Documentum, Windows, Oracle, SQL, SQL Server, Sybase, EVPN, RUP, VBScript, Dreamweaver, SharePoint, EURC, Unix, Adobe Photoshop, Caliber RM MIS-IP, C#. NET, ASP.NET, Business Objects, TestDirector, LoadRunner