SUMMARY

• Senior Business/Scrum Master with over 7+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 Modelling 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 Modelling, Data Profiling, Data Verification, Data Mapping, Data Loading, Data Warehousing/ETL testing and BI Reports Testing.
• Excellent knowledge in Corporate Finance, Investment Banking, Asset Management, Interest Rate Risk, Debt and Equity Financing, Wealth Management, Derivative products such as Options and Futures, Swaps and Swap Options involving Credit and Interest rate and other OTC derivatives, Fixed Income, Trade Life Cycle, OMS (Order Management Systems), FIX protocol, Mortgage, Bonds, Section 508, Sarbanes Oxley Act (SOX), GAAP.
• 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.
• Vast experience in working with Capital Markets, Money Markets, Trading Systems, Derivatives (Strong in Options), Equities, Fixed Income, US government Treasury Securities (T-Bills, T-Bonds and T-Notes), Municipal Bonds, Corporate bonds, junk bonds, convertible bonds, Commercial paper, Stocks Trading Cycle, Margin Requirement, Mark to Market, and Hedge Funds.
• 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.
• Experience with creating of UML diagrams such as Activity, Use Case, Flowcharts, using rational products and MS Visio.
• 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, WatirSoftware IT Tools - Rational Rose, Rational SoDA, Rational ClearCase, 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, LucidChart, Intellect BPM, KissFlow, Tableau

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

Business Intelligence and Reporting tools: Tableau Desktop, Tableau Server, Tableau Prep, SSRS, MS Power BI, IBM Cognos

Machine Learning and Statistical Analysis: Regression Analysis (Linear and Logistic), Predictive Analysis, Risk Analysis, LDA, Naïve Bayes, Clustering, KNN, Market Basket Analysis, Boosting, Classification, Principal Component Analysis, Random Forest, Decision Tree, A/B Testing, Multivariate Testing, Time Series, Visualization

PROFESSIONAL EXPERIENCE

Confidential, Warren, NJ

Sr. Business Analyst / Scrum Master

Responsibilities:

• Facilitated and managed meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
• 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
• Reported metrics to management via Excel PivotTable analysis on a daily basis on all action items, issues / risks and course enrolment for multiple projects
• 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 demos and creating executive dashboards, release notes and 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.
• Serve as liaison between Finance Team and OFSAA, DRM, Axiom SL configurators
• Provide detailed data mapping between Loan IQ and other core applications.
• Acted as liaison between business users and Axiom configuration team.
• 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.
• Assisted solution architects to develop technology solutions for the wealth management application and asset classes including Equities, Commodities and Fixed Income instruments
• Gatheird functional requirements, analyzed workflows and created narrative Use Cases to developnew process workflows for the Wealth Management application
• Profiled the data using Informatica Data Quality (IDQ).
• Worked with IDQ on setting Business Rules and Designed Workflows for Data Validation.
• Analyse 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%.
• Also supporting the AML & AXIOM projects carrying out mapping of CDS attributes to Oracle Mantas and EFRA Axiom applications.
• Interacted extensively with customers and UI designers to determine ways to improve the UI feel and the user experiences. Documented the gatheird 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.
• Strong understanding of data governance in the regulatory environment, specifically experience with financial crimes
• Defined, researched, and managed shareholder and dealer output mailing projects to adhere to compliance and regulatory requests utilizing waterfall project methodology.
• Coordinated with Finance & Regulatory Report Project (Dodd Frank and Call Reporting Process) designed to enhance production efficiencies while decreasing operational risk by using automated reporting application AXIOM SL.
• Was responsible as a part of project manager Add or Remove resources from the project and assigned resources to appropriate task in CA PPM.
• Compare current reports against new LOS functionality to identify reports that can be retired due to new system integrated workflow processes.
• Manage a portfolio of work associated with AML regulatory change implementation that impact multiple LOB globally
• Perform project management activities such as business impact analysis, forecasting, resource allocation through PPM tool
• 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, Stamford, CT

Business Analyst / Scrum Master

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 analyse 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.
• Gatheird 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.
• Analyzed the existing Wealth Management platform and provided recommendations to optimize the data flow
• Utilize ServiceNow RIDAC on PPM to manage risk, issues, decisions, actions and project change requests during ServiceNow implementation.
• Documented reconciling financial data submitted by Servicers and Trustees for a mortgage loan servicing application.
• Helped analysing 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.
• Analyses 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.
• Responsible for OCC (Office of the Controller and Currency) Consent Order EAP Framework regulatory reporting’s
• 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 criterion 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 has been developed into a solution and that it has been tested and tracked.
• Enabled development of a QLIK dashboard for status of Data Provider Templates into Axiom by ensuring that the data representation is congruent with the business requirements.
• 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.
• Report Development using AXIOM Controller View creation of Data Sources, Data Models, ShorTEMPthand, Portfolios, Aggregations, Free Form and Tabular Report and workflows using AXIOM Controller View tool
• 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 Modelling/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

Business Analyst

Responsibilities:

• Assisted with the creating, development, and testing of the Mortgage Technology Statement of WorkSharePoint 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.
• Gatheird 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, analysed, 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 has been met.
• Process routine transactions associated with ongoing account management. (Advances/payments, rollovers, Loan IQ data maintenance, etc.)
• Tested integration of Empower LOS with GSE Applications - AUS (DU, LP), UCDP, CU, ULDD, MERS, FHA and VA related - CAIVRS, including generation of agency specific Loan number and other Identifiers.
• Gatheird 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, analyse and define requirements. Executed Agile SDLC project using offshore and onshore managed service model.

Confidential

Business Analyst

Responsibilities:

• Achieved a 30% growth in annual revenue in 2015 by creating, implementing and leading a market expansion plan in South-East Asia.
• Responsible for creating multiple foreign market research reports, and included macro- and microeconomic trend analysis, industry analysis, competitive analysis, Porter’s Five Force analysis, exchange rate forecasts, market penetration strategies as well as sustainability and risk management recommendations. Presented these reports to senior executives and clients.
• Responsible for testing and implementing CRM systems, and provided cross functional support to ERP and supply chain managers.
• Supported database management, process automation, lead generation, sales analysis, sales, and marketing. Created dashboards to track performance of sales executives and marketing initiatives.
• Designed and developed visualizations and dashboards using Tableau to track KPI and build real-time live reports that will infer and draw logical conclusions of past and future behaviour.
• Utilized SQL queries, MS Excel and several business intelligences tools in order to complete business and marketing analysis.