SUMMARY

• Business Analyst with around 8 years of experience in IT/Software Development Life Cycle (SDLC): business process modeling and business process mapping. Ability to understand the business process, and capture the business rules in models and documents.
• Experience working onsavings accountsandtransactional accounts,mortgages,personal loans,debit cards, andcredit cards.
• Experience in Business modeling for EMVChipandPin, Point SCA Solution implementation using FIS Applications.
• Deep knowledge of lending industry (commercial, consumer and mortgage lending) helps to create options for new products clients offer their customers, then follow through with proper testing for performance of portfolios.
• Expert communicator (written, verbal and presentation) involved in high level interaction and influence with variety of audiences (Senior Executives, Clients PMs, Product Owner (PO)s, developers, SME) as well as PMO.
• Expertise in Data Reporting,CampaignMarketingStrategy, Predictive Modeling, Quantitative Analysis, Data Manipulation, Member Segmentation, and Team/Project Management.
• Experience analyzing and documenting project scope documents and SOWs, project plan, project/requirement change request forms, BRD, FRD, SDD, requirement traceability matrix, use cases/sequence diagrams, UML, wireframes/mockups, end user documentation and BPM notations.
• Worked extensively with teams for development of Business Rule Engines to support SOA architecture and web services.
• Expert in writing Themes, Epics, User Stories and Personas
• Document system activity flow charts to create flow diagrams.
• In depth knowledge of the Software Development Life Cycle (SDLC) using Agile and other methodologies such as Rational Unified Process (RUP) and Waterfall.
• Proficient in creating and managing Requirement Traceability Matrix (RTM) for tracking and managing changes based on project's evolving needs.
• Facilitated Joint Application Design (JAD) and Rapid Application Development (RAD) teams with all IT group members for communicating & managing expectations and to discuss various means for integrations with current system using an adoption through execution strategy.
• Working knowledge in writing SQL query for identifying databases involved in the application development.
• Created defect tracking using HP QC and JIRA and reviewed them in subsequent iterations of the application development process.
• Strong understanding of financial valuation concepts and various capital market instruments and processes including Equities, Fixed Income, Foreign Exchange, Derivative (OTC) & Back - Office operations.
• Knowledge of Mortgage Loan Origination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income and Title functionalities.
• Understanding of different mortgage instruments like Mortgage Backed Securities (MBS), Collateralized Mortgage Obligations (CMO), Asset Backed Securities (ABS), including the tranche structuring and credit enhancement processes to manage prepayment and credit risk.
• Performed GAP and cost-benefit analysis as required.
• Worked extensively with application programmers to develop proposed solution prototypes.
• Wrote use cases and Developed Test Plans and created Test Cases.
• Obtained expertise in performing System, Acceptance, Regression, Integration and Functionality Testing.
• Exceptional understanding of the QA life cycle, from test plan, test scripts, issue resolution to User Acceptance (UAT), System Integration (SIT) and end-to-end testing.
• Performed financial analysis such as cost analysis, NPV, IRR, and ROI as well as risk analysis.
• Worked on Reports based on the requirements and Test driven development (TDD).
• Experience using DMAC and RASCI methodologies, root cause analysis etc.
• Proficient in Creating and Transforming Business Requirements into software requirement specification (SRS) using MS Word and Rational Requisite Pro.
• Extensive background in front, middle and back office operations, ISDA documentation, settlements, compliance, risk, regulations, and integration.
• Knowledgeable on interface specifications (CIS, Deposit and Lending) related to Data Processors and clients.
• Efficient in gathering, eliciting and managing Business requirements, Functional requirements and User Requirement specifications by using various BA Tools.

TECHNICAL SKILLS

• Mainframes
• Oracle DBMS
• COBOL
• JCL
• Db2
• HTML
• Oracle
• Rose
• WebLogic
• HP Quality Center
• Javascript
• Quality Center
• Six Sigma
• MS Word
• Firewall
• MS Excel
• MS Visio
• LoadRunner
• WinRunner
• REST API
• SOAP API

PROFESSIONAL EXPERIENCE

Confidential, Houston TX

Lead Business Analyst

Responsibilities:

• WorkedwithProduct Owner (PO)to define current business logic/rules to create user stories and requirements.
• Worked on different applications and Conducted Gap Analysis between "As is" and "To be" process for the applications.
• Created and prioritized feature set for new application.
• Direct, execute and coordinate project, analyses, and reporting requirements across a geographically dispersed team, under the direction of senior leadership
• WorkedwithProduct Owner (PO)forProductbacklog refinement and prioritization, for each iteration based on Business Goals for the MVP to make sure all stories were meeting the INVEST ( Independent Negotiable Valuable Estimable Sized Appropriately Testable) criteria.
• FacilitatedBrainstormingsessions with SME's and Coordinated Requirements gathering sessions with the LOB(Line of business) and documented them.
• Performed QA testing in staging and assembly. Acceptance testing, GUI Testing, Regression testing and RBT.
• Created Wire Frames for all fields in UCC 1 and UCC 3 form in the iLIen Application
• Created architecture for REST API that will communicate with Secretary of State DB
• Used TFS to document, trace and save PBIs.

Confidential, Wilmington DE

Business Analyst

Responsibilities:

• WorkedwithProduct Owner (PO)to define current business logic/rules to create user stories and requirements.
• Worked on different applications and Conducted Gap Analysis between "As is" and "To be" process for the applications.
• Created and prioritized feature set for new application.
• Frequently assisted various other departments on tough or difficult issues. Including Digital Support, Lending Services, and ConsumerCreditCards
• Accumulated system requirements fromMarketingdepartment through surveys and interviews
• Organized planning sessions,withAPO,Product Owner (PO), Sponsors and SME's to understand Business Applications, Business Process Flow and Technical implementation.
• Prioritize and analyze exceptions, findings, reports, processes, controls and technology for increase in profit and to reduce the risk.
• Direct, execute and coordinate project, analyses, and reporting requirements across a geographically dispersed team, under the direction of senior leadership
• Maintain appropriate documentation of reporting requirements, statuses, issues and milestones
• Monitor profitability and provide recommendations for growth and/or contraction to improve profitability
• Leadingcampaignexecution strategy, collateral development, ongoing KPI analysis/reporting, project management, testing, budget management, data segmentation, relationship management, and process improvement.
• WorkedwithProduct Owner (PO)forProductbacklog refinement and prioritization, for each iteration based on Business Goals for the MVP to make sure all stories were meeting the INVEST ( Independent Negotiable Valuable Estimable Sized Appropriately Testable) criteria.
• Documented Business process flows andworkedwithProduct Owner (PO)to get the sign-off.
• Analyze payment data to develop insights and make recommendations on areas for optimization
• Facilitated and performed SIT testing.
• Worked on POD assignments and T- Shirt sizing.
• Gathered data from program team to facilitate reporting
• Used Jira and Confluence to document User stories and technical stories.
• Created context diagrams using MS Visio to highlight user and system activity (PADS)
• Took part in daily stand (Scrum meeting)
• Interviewed multiple work streams and created multiple work flows for those work streams to gather dependencies.
• Participate in Story refinement sessions with PO.
• Utilized FIS PROFILE to issue debit and credit cards.
• Participated in RACI analysis with PO and SCM to better understand roles and responsibilities.
• Documented acceptance criteria in given when then format.
• Created Mock up for TSYS ACH payment work flow
• Created context diagram for payment gateway integration with exciting system using MS Visio.
• Review and configure TSYS API’s into exciting application to accept payments through multiple channels.
• Create and execute both load and functional tests for web services.
• Analyzed recorded and modified client-server traffic using an HTTP monitor
• Gather requirements for payment web APIs.
• Performed Market Analysis and Competitor Analysis to estimate and validate Strategic Vision of project.
• Examine and document REG Z concepts and rules to integrate in live environment.

Environment: Agile/Scrum, Rational Rose, Rational Requisite Pro, UNIX, MS Visio, MS Project, MS SharePoint, HTML, Windows, Oracle, SQL, Confidential soft, IBM Web sphere, Business Intelligence, Jira, Confluence. REST API, SOAP APIAcmeiTech

Confidential, San Antonio TX

Responsibilities:

• Wrote BRD (Business Requirements Document) and FRD (Functional Requirements Document) to make requirements and objectives clear.
• WorkedwithProduct Owner (PO)to define current business logic/rules to create user stories and requirements.
• Worked on different applications and Conducted Gap Analysis between "As is" and "To be" process for the applications.
• Partner closely with Plenti partners,marketingand technology to personalize the customer experience across multiple channels.
• Participated in RACI analysis with PO and SCM to better understand roles and responsibilities.
• Oversaw Internet Banking, BillPayment, Telephone Banking, Mobile Banking, ATM, ACH, Wire Transfer, Check 21 and miscellaneous electronic banking functions.
• Currently driving a project to replace our credit processor, install point-to-point encryptionandEMV (ChipandPin) processing for creditanddebit transaction process.
• Responsible for end-to-endmarketingcampaigns execution (Email, Direct mail, Catalina, Power Picks, MSNL, New Stores, Acquisition, Nurturing, New Stores, Sponsored).
• Frequently assisted various other departments on tough or difficult issues. Including Digital Support, Merchant Services, and ConsumerCreditCards
• Multitask a variety of system applications, and handled sensitive issues such as social security numbers, bank information, andcreditcards.
• Launchedmarketingcampaignto acquire new business and expand operations.
• Accumulated system requirements fromMarketingdepartment through surveys and interviews
• Organized planning sessions,withAPO,Product Owner (PO), Sponsors and SME's to understand Business Applications, Business Process Flow and Technical implementation.
• Worked on various Online Banking projects like set up Check Payment, Browser variations, Keep the Change, Online Banking mail communication with live customers, Authentication flow, Alert mails to Customers etc.
• Utilized FIS PROFILE to monitor debit / credit transactions to validate fraud.
• Used Jira and Confluence to document User stories and technical stories.
• Documented retail deposit-related know your customer (KYC) processes and procedures, identification/disposition of higher risk customers, and maintained within Actimize the list of the deposits of high risk customers.
• Weekly and monthly reporting ofmarketingcampaignperformance.
• Coordinate with Business Unit, Project Managers, Developers, Third party vendors, etc.
• Building experience on Retail Banking Applications (Deposits, Loans, CIS, etc.) within Hogan Mainframe and other ancillary systems.
• Providing support for account balances, payments, corporatecreditcardpolicies, and emergency travel assistance.
• Performed Market Analysis and Competitor Analysis to estimate and validate Strategic Vision of project.
• Generated sequential collaboration diagrams and alternate flow diagrams.
• Participated in Story refinement sessions with PO.
• Execution ofMarketingCampaigns: Selection, deployment, tracking and reporting.
• ManageMarketingCampaigns with tools like Nominator, Pace, MSTR.
• Strategic comparative analysis of company's product and program guidelines against competitor guidelines.
• Integrated authorize.net API into exciting platform as a OLTP System: Online Transaction Processing to process payments.
• Support mortgage lending operations to achieve it strategic objectives by providing project deliverables, data analysis and risk management information
• Document the trends and findings using statistics and perform profitability analysis.
• Analyze defects, issues by performing prioritization and impact assessment; provide appropriate solution for the identified complex problems.
• Prioritize and analyze exceptions, findings, reports, processes, controls and technology for increase in profit and to reduce the risk.
• Direct, execute and coordinate project, analyses, and reporting requirements across a geographically dispersed team, under the direction of senior leadership
• Maintain appropriate documentation of reporting requirements, statuses, issues and milestones
• Monitor profitability and provide recommendations for growth and/or contraction to improve profitability
• Leadingcampaignexecution strategy, collateral development, ongoing KPI analysis/reporting, project management, testing, budget management, data segmentation, relationship management, and process improvement.
• WorkedwithProduct Owner (PO)forProductbacklog refinement and prioritization, for each iteration based on Business Goals for the MVP.
• Conducted impact analysis and data analysis, and collaborated with the globally distributed SCRUM team to come up the solutions, prepared solution proposals and UI mockups.
• Reviewed Test Plan, designed and executed test cases, prepared test data, and assisted with defect identification and resolution.
• Liaised with local IT and business teams to configure and customize the core solution for local deployment and integrate it with local systems.
• Followed Agile methodology to drive the Show and Tell sessions, assisted Scrum Master in backlog prioritization, daily stand-ups, backlog grooming and sprint planning. Coordinated with various internal and external stakeholders to ensure the project meet the schedule.
• Prepare in-depth cause and effect analyses on complex financial, operational and credit issues
• Effectively summarize and present findings and project results to Mortgage leadership team
• Coordinate with SMEs, business partners, technology group and others to develop clear and accurate reporting and process maps
• Created acceptance criteria in given when then format.
• Aid as a key business partner supporting technology senior management and other internal stakeholders with financial insight, operational support and analysis
• Documented Business process flows andworkedwithProduct Owner (PO)to get the sign-off.
• Analyze mortgage data to develop insights and make recommendations on areas for optimization

Environment: Windows, MS Office (MS Word, MS Excel, MS PowerPoint, MS Visio), .NET, Crystal reports, RUP, UML, SQL, PHP, SWOT analysis, Java Script, Quality Center, Six Sigma, GAP Analysis, Win Runner, REST API, SOAP API

Confidential, Cleveland OH

Business Analyst

Responsibilities:

• FacilitatedBrainstormingsessions with SME's and Coordinated Requirements gathering sessions with the LOB(Line of business) and documented them.
• Performed Market Analysis and Competitor Analysis to estimate and validate Strategic Vision of project.
• Implemented foreign exchange/transactions using SWIFT payments for secure and reliable transactions.
• Projects for Rewards points, Offers, Balance Transfers, Epayandautobilling, Anti Money laundering controls, DisputesandChargebacks,Chip and PIN and Chipandsignature cards.
• Conducted and directed the analysis of highly complex business problems to be solved through retail banking solutions.
• Participated in RACI analysis with PO and SCM to better understand roles and responsibilities.
• Creditcardprogram administrator, performing duties in the Bank Payment Net module such as; ordering newcards, modifying spending limits, adjusting cardholder profiles and monitoring policy adherence.
• Supported the re-design of the Mortgage Asset Management System.
• Participated in Story refinement sessions with PO.
• Conducted interviews with key business users to collect requirement and business process information for the loan process including set-up Account Information, New Loan set-up, Escrow Analysis, the Appraisal, Credit, income and Title functionalities.
• FacilitateProduct Owner (PO)meetings, Scrum backlog, sprint planning, internal audits to ensure policy
• Examine and document REG Z concepts and rules to integrate in live environment.
• awareness through training and define retail process controls within the branches and loan services department.
• Used Jira and Confluence to document User stories and technical stories.
• Perform special projects, as assigned for the Branch & Private Banking network. Past examples include building business trend predictions to analyze the Branch profitability, competitor analysis and branch sizing reporting Sales/Services Productivity analyses.
• Utilized various FISERV applications to issue and monitor card transactions and issue statements.
• Developed business process models in RUP to document existing and future business processes.
• Performed extensive requirement analysis including data analysis and gap analysis.
• Designed and developed project document templates based on SDLC methodology.
• Developed business requirement specification documents as well as high-level project plan.
• Comprehensively worked with requirement gathering for Enterprise reporting system using RequisitePro
• Developed requirement reports for day-to-day retail banking needs for opening account, online banking using Rational SoDA
• Developed strategic partnerships with the business unit to develop a solid knowledge base of the business line, including the business plan, products, Process and revenue streams.
• Designedretailand businessbankingtransfer funds module for US compatibility which included the end to end ACH compatibility and settlement process.
• Worked extensively with marketing team and sales brokers in knowing what exactly bank's client wants
• Functioned as the primary liaison between the business line, operations, and the technical areas throughout the project cycle.
• Responsible for creating Request for Proposal (RFPs) that typically reflect the strategy and short/long-term Business objectives, providing detailed insight upon which suppliers will be able to offer a matching perspective.
• Managed a team of ten to implement the onlinebankingplatform merger for two regional banks during the time of platform development.
• Responsible for Retail Banking finance with approximately $350M annual budget with 3,000 headcount.
• Oversee development, improvement and maintenance of capacity models for the Branch & Private Banking in order to aid in forecasting staffing needs by functional role and area
• Oversee the creation and maintenance of financial models used for financial statement forecasts and strategic business decisions, including various departmental variance reports on a monthly basis
• Responsible for overall management of short-term forecast/budget process and may also provide long term strategic planning - budgets, forecasts, etc.
• Conduct and direct complex financial studies such as detailed financial plans, operating forecasts, peer group comparison, or integrated expense analyses, projections, reports, or presentations, with a particular focus on the Retail Banking.
• Created acceptance criteria in given when then format.
• Oversee the expense allocation methodology for the business area, which is a critical component in calculating overall profitability for the various Retail Banking products
• Act as liaison between department and systems personnel to develop or enhance systems and responsible for process improvement/automation pertaining to reporting
• Prepare various ad-hoc reports for Unit Costing / Metrics

Environment: Mainframes, Oracle DBMS, COBOL, JCL, Db2, HTML, Oracle, Rose, WebLogic, HP Quality Center, Javascript, Quality Center, Six Sigma, MS Word, Firewall, MS Excel, MS Visio, LoadRunner, WinRunner, REST API, SOAP API

Confidential, Bridgeport CT

Business Analyst

Responsibilities:

• Interviewed Business Users to gather Requirements and analyzed the feasibility of their needs by coordinating with the project manager and technical lead.
• Providing analytical value to the retail banking business.
• Worked on implementing Commercial AP, an electronicpaymentsolution that replaces check / ACH payments with a VISA credit card account, thus reducing cost and the risk of fraud.
• WorkedwithProduct Owner (PO)and Scrum Master to create and groomproductbacklog.
• Perform monthly financial reporting for a growing business/corporatecreditcardportfolio and business/corporatecreditcardrewards programs
• Designed and managecreditcarddivision and regional sales/revenue dashboard
• Business/corporatecreditcardMasterCard vendor relationship manager
• Submit general ledger entries and adjustments for business/corporatecreditcard
• Effectively convert portfolios (CIF, Consumer, Commercial and Mortgage Loans) using appropriate system tools and data mapping (EFT) dealing with multiple data processors including BISYS, FiServ, ITI, Metavante, Jack Henry, Alltel, Kirchman, DCI, Sparak, AFS, OSI DNA and others.
• Demonstrated success in training bank employees and management on CIS (Customer Information System), Consumer and Commercial loan systems.
• Validation of retail banking models (credit cards, mortgages, personal loans and cash line) for Basel III regulatory compliance through Advanced-Internal Ratings Based (A-IRB) approach.
• Estimation and validation of risk parameters - Probability of Default (PD), Exposure at Default (EAD) and Loss Given Default (LGD).
• Participated in Story refinement sessions with PO.
• Assist internal and external auditors with high-level research for operational corrections and legal cases
• Organizedbrainstormingand JAD sessions with stake holders, business users, technical teams, testing team to analyze and validate the business requirements, system life cycle and explained the key performance indicators and documented the specifications.
• Functioned as UAT lead, authored test scenarios and test cases, communicated daily testing status to PMO and parallel testing teams.
• Used Jira and Confluence to document User stories and technical stories.
• Experienced with gathering/writing requirements on Rally for the agile project.
• UtilizedDOORS, Rally and MS-Project to support upstream and downstream teams throughout SDLC.
• Reviewed test cases and maintained the Requirement Traceability Matrix (RTM).
• Interacted with Fixed Income business heads to finalize the Business Requirements for the application.
• Wrote SQL statements to extract data from the Tables.
• Wrote business requirements documents (BRD'S), which involved market risk analysis and risk management like continuous time finance & asset pricing and documentation.
• Identify business rules for data migration and Perform data administration through data models and metadata.
• Created acceptance criteria in given when then format.
• Conducted interviews with various business users to collect requirement and business process information using MS Visio, Requisite pro.
• Designed and developed project document templates based on SDLC methodology.
• Identified, researched, realized, investigated, analyzed, defined and documented business processes and Use Case Scenarios.
• Prepared detailed design documents to translate business process effectively for developers and product managers using MS Visio.

Environment: Windows, Oracle, SQL, MS Visio, REST API, SOAP API, HP Quality Center, HTML, PHP, MS Access, UML, Quality Center, WebLogic, Requisite pro, Rational ClearQuest.

Confidential, Akron OH

Business Analyst

Responsibilities:

• Interviewed Business Users to gather Requirements and analyzed the feasibility of their needs by coordinating with the project manager and technical lead.
• Input Loan Decision Status into the Loan Origination System (LOS) and Input Loan Pipeline Status into LOS.
• Business Analysis in implementing OnBase Workflow Solution throughout the Wealth team at FirstMerit consisting of 100+ users in order to improve efficiencies within the Wealth business segment.
• Facilitate process improvement meetings for the FirstMerit Retail and Lending teams to create consistent processes and procedures throughout the FirstMerit footprint.
• Architect and facilitate the implementation of corporate wide Coupa purchasing, invoicing, and expense system.
• Assisted in creating test plan, test cases, test scripts and test results summary in Quality Center.
• Created and managed requirement traceability matrix (RTM).
• Assisted the business users in the user acceptance testing (UAT) and worked with users to troubleshoot application issues.
• Lead corporate projects from start to finish including document tasks, develop project plan, create agendas and meeting minutes, and provide communication to the project team.
• Facilitate requirements gathering and design test scripts for Archibus Facilities Management system which combines four independent systems into a single system in order to improve efficiencies and communications.
• Performed Market Analysis and Competitor Analysis to estimate and validate Strategic Vision of project
• Examine and document REG TRID concepts and rules to integrate in live environment.
• Used Jira and Confluence to document User stories and technical stories.
• Coordinate resources for development and project installation.
• Provide point of contact for business unit after implementation.
• Design test scripts and test scenarios to perform Dev and UAT system testing,
• Created acceptance criteria in given when then format.

Environment: Agile/Scrum, Rational Rose, Rational Requisite Pro, UNIX, MS Visio, MS Project, MS SharePoint, HTML, Windows, Oracle, SQL, Confidential soft, IBM Web sphere, Business Intelligence