Business Analyst - Mortgage, Finance and Insurance Industry

• Experienced, 6+ years, Sr. Business Systems Analyst, with quality experience in Mortgage, Finance and Insurance Industry with solid understanding of Business Process Flows, Case Tools, and Business Analysis.
• Extensive experience in gathering Business, System and Functional Requirements, developing Use Cases, conducting Gap Analysis and preparing Training manuals
• Experience in working with the QA Testing team, creating Test Plans and Test Cases.
• Insurance experience includes Commercial Automobile Products and Retail Automobile products and Property Casualty knowledge.
• Mortgage experience includes Consumer Mortgage Lending, Wholesale Mortgage Lending, Warehouse Mortgage Lending and Commercial Mortgage Lending.
• Experience in developing UML use case diagrams, Work Flow Diagrams using tools like Rational Rose and MS Visio
• Excellent Business writing skills in creating Business Requirements Document (BRD), Use Case Specifications, Functional Specifications, and Systems Requirements Specification (SRS).
• Expertise in Rational Unified Process (RUP) methodology, Use Cases, Software Development Life Cycle (SDLC) processes, Object Oriented Analysis (OOA/D), and Rational tools used during all four phases of RUP: Inception, Elaboration, Construction and Transition.
• Excellent knowledge in Component-based Development (CBD) and Commercial Off-the-shelf (COTS).
• Proficient in developing and executing Test Plans, have worked with SQL and PL/SQL queries, performing functional, usability testing and ensuring that the software meets the system requirements
• Expertise in co-coordinating between Top Management, Program Managers, Project Managers, Systems Developers and Business Sponsors for project implementation.
• Effective at conducting meetings and brainstorming sessions.
• Competent in Creating Unified Modeling Language (UML) diagrams such as Use Case Diagrams, Activity Diagrams, Class Diagrams, navigational flows, story boards, UI specifications and Sequence Diagrams.
• Proficient in soliciting client requirements through interviews, workshops, existing system documentation and organizing JAD sessions.
• Expertise in broad range of technologies, including business process tools such as Microsoft Project, CaliberRM, Clarity, MS Excel, MS Access, and MS Visio.
• Functional and working knowledge of SAP software and in particular accounting, SD, and LE modules

AREAS OF EXPERTISE
Methodologies: SDLC, Waterfall, RUP, RAD, UML, Agile

Requirements and Document Tools: Caliber RM, Clarity, MS Word, MS Excel

Business Modeling Tools: Microsoft Visio and working knowledge of Rational Rose, and Rational Requisite Pro

Project Management: Microsoft Project, Microsoft Office Suite, Microsoft PowerPoint, Clarity

Languages: C#,ASP.Net

Databases: SQL Server 2000, Microsoft Access

Operating Systems: Microsoft Windows 95/98/NT/2000, XP

Testing Tools Quality Center, WinRunner, LoadRunner, Quick Test Pro

Others COTS technology, SAP, Showcase

Summary of Experience

Confidential Detroit, MI – CURRENT
Business Systems Analyst III – (February 2011 to present)

As the financial arm of General Motors, GMAC was started in 1919 and was later changed to Ally financial in 2008 when it decided to become a Bank Holding Company. With the new role Ally instigated a whole host of new functions and banking practices which did not exist in the original organization. Thanks to its automotive history, Ally currently ranks among the largest automotive services company worldwide with more than 15 million consumers and dealers. I was fortunate enough to work on a whole host of projects at Ally relating to the Federal Regulatory Compliance, Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) space.

Chronological Summary of Projects:-

• European Commercial and Wholesale Auto Dealers –

The project implemented OFAC, PEP and other watch list screening for the large automotive wholesale and commercial dealers for Ally in Europe. The project scope covered 10 countries in Europe including; United Kingdom, France, Germany, Belgium, Netherlands, Luxembourg, Sweden, France, Italy and Switzerland.

• AML US Mortgage – Consumer, Commercial, Wholesale, Warehouse -

The US Mortgage project encompassed the entire space of Mortgage including various Mortgage LoBs including Commercial, Wholesale, Warehouse and Consumer Mortgage Lending and implemented Customer Risk Scoring, Transaction Monitoring and Case Management Tools for Ally’s North American Operations portfolio. The project brought Ally Financial’s Mortgage LoBs in compliance with various regulatory agencies and federal regulations stemming from Bank Secrecy Act (BSA) and the Patriot Act. Non-compliance would have resulted in fines from the federal government and potentially open Ally to litigation and damage to business reputation.

• AML European Retail –

The project implemented OFAC and other watch list screening for the Retail portfolio of customers for Ally in Europe. The project scope covered 10 countries in Europe including; United Kingdom, France, Germany, Belgium, Netherlands, Luxembourg, Sweden, France, Italy and Switzerland.

• AML US Watch list Screening -

The US Watch-List Consolidation project implemented OFAC, PEP, 314(a) and other watch lists screening for various lines to bring the North American Operations of Ally Financial in compliance with various regulatory agencies and federal regulations such as the Bank Secrecy Act (BSA) and the Patriot Act. Non-compliance would have resulted in federally mandated fines and potential damage to Ally’s business reputation. This project dealt with various lines of business such as Commercial Lending, Wholesale Lending, Warehouse Lending, Consumer Mortgage Lending, Capital Markets, Commercial Finance, and Insurance LoBs.
Responsibilities:

• Responsible for supporting the systems definition process in developing applications by ensuring that the requirements were accurately reflecting the business processes and understood during the design and development of the application.
• Provided expert knowledge of the system requirements definition (RD) processes and modeling methods and tools
• Created conceptual and logical models
• Altered normal procedures to eliminate lateral roadblocks to get a job done and/or meet a customer request.
• Interfaced with senior management to provide and obtain information and to build consensus regarding project direction.
• Gathered analyzed, documented business and technical requirements from both formal and informal sessions and validated the needs of the business stakeholders
• Worked with business representatives and applied business expertise to ensure quality and accuracy in articulating the business needs into technical application requirements
• Conducted user interviews and documented business and functional requirements.
• Performed Requirement Analysis and developed Use Cases, Activity Diagrams using MS Visio
• Performed Data mapping and created case diagrams
• Identified and documented improving areas to meet federal regulatory requirements
• Involved in creating business processes and modeling diagrams using APEX.
• Setup and customized COTS integrated business information systems for clients in various industries
• Organizing JAD sessions, personal interviews and surveys in the process of collecting requirements including that of Ally’s and other higher management
• Exposed to Agile methodology.
• Created use case scenarios and documented work flow and business process using MS Visio
• Involved in project management using MS Project and Clarity
• Worked on Requirement Change Management System in CaliberRM.
• Wrote test cases and test scripts for the User Acceptance Testing
• Created test data for testing
• Identified and documented data sources and transformation rules required for populating and maintaining data warehouse content.
• Used MS Word and CaliberRM for the Requirement Documents Preparation and Prepared Business Process Models that includes modeling of all the activities of the business from the conceptual to procedural level
• Responsible for creating test scenarios, scripting test cases using testing tool and defect management for Policy Management Systems, Payables/Receivables and Claims processing.
• Involved with all the phases of Software Development Life Cycle (SDLC) methodologies throughout the project life cycle.

Environment: Clarity, Caliber RM, SDLC, Agile, UML, Windows 2000, MS Project, MS Visio, MS Excel, MS PowerPoint, MS Access, Test Director, Windows XP, .NET, Business Objects.

Confidential Chicago, IL
Pricing (Business) Analyst (September 2010 to February 2011)

Responsibilities:

• Worked in close collaboration with the Project, Product, Category Managers and business users to gather, analyze and document the functional requirements for the various projects and products.
• Analyzed user problems, including automated and manual business processes and identified, researched, investigated, defined and documented business processes
• Effectively communicated with both technical and non-technical users and produced project documentation.
• Gathered requirements from business users, legacy use cases, and program specs.
• Responsible for defining the scope and implementing business rules of the project, gathering business requirements and documentation.
• Responsible for writing Functional Requirement Specifications (FRS) and User Requirement Specification (URS)
• Created workflows, generated and distributed various reports and created SQL queries for report summaries for management
• Analyzed Business Requirements and segregated them into high level and low level Use Cases, Activity Diagrams / State Chart Diagrams using Rational Rose according to UML methodology thus defining the Data Process Models.
• Included screenshots in the documents to help the discussion in meetings with users.
• Conducted JAD sessions, initiated scope and discovery meetings.
• Extensively working on use case development followed by correction cycle.
• Performed User Acceptance Testing (UAT) for various web based and database related applications.
• Interacting with the development and testing teams to improve overall quality of the software.
• Performed extensive requirement analysis including Data analysis and Gap analysis.
• Defined Functional Test Cases, documented, Executed test script in Facets system.
• Successfully conducted JAD sessions, which helped synchronize the different stakeholders on their objectives and helped the developers to have a clear-cut picture of the project.
• Conducted presentations of the Q/A test results with analysis to the stakeholders and users and documented modifications and requirements.
• Gathered reporting requirements and produced them using Crystal reports

Environment: MS Word, MS Excel, MS Visio, MS PowerPoint, UML, .NET, Rational Unified Process (RUP), SQL

Confidential Chicago, IL
Business Systems Analyst – (October 2007 to September 2010)

Responsibilities:

• Gathered analyzed, documented business and technical requirements from both formal and informal sessions and validate the needs of the business stakeholders.
• Performed Cost benefit, ROI and ROM studies
• Conducted user interviews and documented business and functional requirements.
• Performed Requirement Analysis and developed Use Cases, Activity Diagrams using Rational Rose
• Performed Data mapping, logical data modeling, created class diagrams and ER diagrams and used SQL queries to filter data
• Analyzed the existing claims process and specific business rule logic will be applied in the ACP model.
• Prepared for GAP Analysis; identified and documented improving areas to meet capital requirement regulations.
• Involved in creating business processes and modeling diagrams using Rational Unified Process (RUP).
• Setup and customized COTS integrated business information systems for clients in various industries
• Organizing JAD sessions, personal interviews and surveys in the process of collecting requirements including that of G.M.’s and other higher management
• Exposed to Agile methodology.
• Involved in Service Oriented Architecture (SOA) of the claims processing system
• Created use case scenarios and documented work flow and business process using Rational Rose
• Involved in project management using MS Project
• Worked on Requirement Change Management System in Rational Requisite Pro
• Documented requirements associated change requests with requirements and connected requirements with Use cases.
• Wrote test cases and test scripts for the User Acceptance Testing
• Incorporated Rational Unified Process (RUP) to create Requirement Document Specifications using Visible Analyst.
• Performed extensive data modeling to differentiate between the OLTP and Data Warehouse data models
• Identified/documented data sources and transformation rules required populating and maintaining data warehouse content.
• Maintained benchmark controls to policies, company standards and contracts, performed vendor sourcing, pricing and contract negotiation, performed procurement, ensured compliance with service/joint interest contracts.
• Used Requisite Pro for the Requirement Documents Preparation and Prepared Business Process Models that includes modeling of all the activities of the business from the conceptual to procedural level
• Used Rational Clear case for version control
• Responsible for creating test scenarios, scripting test cases using testing tool and defect management for Policy Management Systems, Payables/Receivables and Claims processing.
• Involved with all the phases of Software Development Life Cycle (SDLC) methodologies throughout the project life cycle.
• Served as conduit for managing system requirements between the business and the software development team.
• Queried database using SQL for backend testing
• Used Rational clear quest for defect management
• Used SAP to perform various business functional tasks
• Assess and evaluate potential COTS applications that meet the desired functionalities of an optimal Desktop AND Server Management system to meet the needs of remote software deployment

Environment: RUP, UML, Windows NT, Java Script, Rational Suite (Rational Test Manager, Rational Robot, Rational Clear Quest) MS Project, MS Visio, Visual Basic, Win Runner, Test Director, Windows XP, J2EE

Confidential Chicago, IL.
Pricing (Business) Analyst– (October 2006 to February 2007)

Responsibilities:

• Implemented and maintained pricing infrastructures.
• Gathered and analyzed user requirements, performed test planning, specified system interfaces and documented operational requirements
• Evaluated effectiveness of pricing strategies and modifies pricing structures as needed.
• Recommended and implemented monthly price increases and coordinates with Sales and Billing for implementation.
• Collected and analyzed complex financial, statistical, and strategic information in order to maintain pricing tools.

Used SAP to perform various reporting and accounting functional tasks
Used SAP software to generate ad hoc accounting reports for management

• Created and analyzed advanced reports for customer and route profitability.
• Audited billing and services to monitor customer changes and set ups.
• Provided reporting and documentation of pricing structures and serves as the point-of contact for pricing inquiries from internal sales department, but not customers.
• Provided support and direction to less experienced pricing and business analysts.
• Wrote Statements of Work, Business Specification Documents, Test Plans and Test Reports.
• Prepared requirements document for business, system and technical requirements
• Worked in close collaboration with the Project Manager and business users to gather, analyze and document the functional requirements for the various projects. Effectively communicated with both technical and non-technical users and produced project documentation.
• Worked with users to define business process and information systems for supporting those processes and initiated the requirements feasibility process to determine the viability technically, operationally, and economically.
• Defined and documented business and system processes and communicated with the development team and participated in Business Process Reengineering to improve the efficiency of the underlying process.
• Involved in Systems validation, inspecting or managing the test plans and activities. Created documents to govern the testing process including a test strategy and test plan.
• Prepared high level user documentation and facilitated UAT with the stakeholders and the business users.
• Recognized scope limitations and raised potential scope issues, while designing best systems approach.

Confidential Danaher Co. Bannockburn, IL
Accounts Receivables / Treasury Analyst – (August 2006 to October 2006)

Responsibilities:

• Performed and ensured all daily receivable billings, collections and reporting activity
• Coordinated month-end closings and account reconciliations
• Presented the findings and year/month end results to the management
• Monitored and maintained aging of A/R
• Researched and responded to customer inquiries relating customer accounts and payables
• Performed various account and credit analysis
• Assisted with and performed internal audit related issues
• Performed and oversaw A/R Sarbanes-Oxley (SOX) regulations

Advance Transformer, Philips. Co. Chicago, IL
Accounts Receivables, Credits Analyst – (April 2006)

Responsibilities:

• Verified Sales and Purchasing orders using SAP software
• Verified and reconciled receipts and credit claims using customer invoices and contract
• Reconciled monthly customer purchase statements in Excel
• Issued Credits/Reimbursements and Refunds to customers
• Maintained accurate credit records for customers In charge of maintaining