SUMMARY

• Overall 9+ years of experience as a Business Analyst with strong understanding of Business Requirements Gathering, Process Flow,Business Process modeling and Business Analysis.
• Strong knowledge of Core Banking System, Retail and Commercial bankingbusiness, products, policies and procedures.
• Sound understanding of Object Oriented Analysis and Design OOAD and proficient in documentation of As - is and To-bebusiness processes.
• Experience in creating online electronic payments hub for one of the leading credit card company.
• Experience in Pay Bill, Direct Debit, DirectDeposit, Automatic Bill Payment, Cross selling, Up selling, Product Bundling, Transfers (Internal and External), NACHA, AML, Manage your Bank Account, E-Commerce Payment system, Collection services, eStatements, Alerts and Messages, mobile banking, ACH etc.
• Experience in Consumer and Commercial Lending/Mortgage products (Multi-Channel, Multi-Product, Multiple Pricing Options, Flexible Hosting Option) advisory and analytics to mortgage.
• Hands on experience on Universal Banking Applications with various modules such as CIF, CASA, GL, Limits, Term Deposits (TD), Funds Transfer (FT), Payments and Collection, Consumer Lending,Interfaces.
• Experience in Credit Cards which includes Consumer and commercial credit cards, Cards Payable, Payments, Credit Card Acquisitions, Direct Debit, e-statement, Loyalty (reward points), Marketing, Personalization, Alerts and Messages, Customer Management Services and Fraud workflows.
• Comprehensive knowledge in writing documentations including Requirement Specifications, High Level Business Needs (HLBN), High LevelBusinessRequirements (HLBR), Detailed Business Requirements (DBR), Use Cases, FS documents and project charters.
• Expertise in SDLC (Software Development Life Cycle) models or methodologies such as "waterfall"; "Agile software development (Scrum - Sprint)"; "spiral"; "rapid prototyping"; "incremental".
• Able to generate effective and concise requirements artifacts to facilitate the transfer ofbusiness needs to application development team.
• Knowledge of the key drivers of the industry, keep abreast withbusinesstrends and strategic directions about industry in the area of Retail Banking/Lending and Core Banking Functions.
• Significant practical experience with UI design and usability experience (wireframe, style guides, etc.).
• Significant practical experience in developing E-banking and IT Strategy for a retail bank.
• Knowledge of SQL or PL/SQL, Scripting and relational database technology.
• Significant experience in the construction of use-case, sequence, state, activity & deployment diagrams.
• Expertise in managing end-to-end application development initiatives from project planning, requirement analysis, design and analysis, development, SIT / UAT and implementation within/on time and on budget.
• Vast exposure with creation and implementation of test strategy and UAT.
• Significant practical experience in implementing Lending/Mortgage Product.
• Comprehensive knowledge in doing GAP, Risk, SWOT, product and Cost benefit analysis.
• Strong ‘Process Modeling and Re-engineering’ and Object Oriented Analysis and Design Skills.
• Experience in content and release management.
• Detail oriented, quick learner, and a team player.
• Good Organizational, Leadership, Communication and Interpersonal skills.

PROFESSIONAL EXPERIENCE

Confidential - Boston, MA

Sr. Business Analyst

Responsibilities:

• Coordinated with different agencies in tracking the progress of the software development and resolving the issues and worked with the UI team to create the User Interface Mock-ups to be presented to the Business.
• Involved in the creating the User Interface Specification Document and User Training Manual as per project specification with the help of development team.
• Generated Mockup screens of Graphical user interface to capture the front end system.
• Worked with project manager and high level management team to identify Project Scope, develop work plans and schedules using RUP to assure high quality and on time project delivery.
• Maintained Data Requirement Artifact to identify the characteristic of data type that is entered into the GUI interface
• Gathered user and business requirements through surveys, prototyping and observing from portfolio managers and UI (User Interface)
• The project heads towards enhancing the existing onlinebankingapplication by improving its GUI, making it user-friendlier.
• Application was developed for OnlineBankingaccessing personal accounts, checking balances, payment of recurring bills, such as mortgages and loan payments,transferof funds between accounts of its customers.
• Worked on various OnlineBankingprojects like set up Check Payment, Browser variations, Keep the Change, OnlineBankingmail communication with live customers, Authentication flow, Alert mails to Customers etc.
• Documented the Current and Future State Accounting Work flow as part of Online Payments.
• Responsible for analyzing and modeling existingbusinessprocesses ofATMBack Office, andATM Front End.
• Involved in writing JSPs, Java Script, Servlets, Backbase to generate dynamic web pages and web content.
• Responsible before payment in validating, analyzing processing on banking cash wire transfers request from upper management.
• Involved in analysis, planning, implementation and evaluation of Dealer Finance/Commercial Loans to new IBM DB2 Web-based AFS system.
• Assessed risk associated with different systems that take part in ACH, wire transfers and documented them with authentication guidelines to enhance security and control over transactions, adhering to FFIEC AIBE rules.
• Performed Strengths, Weaknesses, Opportunities and Threats (SWOT) analysis and implemented it in thebusinessprocess. Conducted project planning according to the results.
• Provide budgeting support & decision support to executive management by analyzing financial statistics, trends & competitors.
• Provide SharePoint best practices and advice regarding sire set-up, site security, maintenance, and future needs. Preparing PowerPoint presentations and Excel spreadsheet for business meeting.
• Work with business to define business/product requirements. Agile Methodology was used during project.
• Participated in Business Requirement and Technical Design Sessions for converting Commercial Loan's legacy systems to AFS.
• Reviewed and modeled existing loan processing workflow; identified improved opportunities
• Collected reports requirements for loan monitoring processing and Inspection
• Assisted in GAP analysis and business process reengineering; identified and documented improving area to meet the end state requirements
• Helped manage commercial credit portfolio, identify risk-related issues and undertake appropriate risk-related measures to mitigate loan losses.
• Simulated customer growth scenarios using models based on selected pricing strategy to forecast revenue and company valuation.
• Worked with a team in developing set of Action classes using Backbase JSF for handling business logic and Hibernate API for data logic.
• Involved with a team and used Data modeling concept to define legacy applications and design interface plans with AFS
• Created Mock Up screens and Templates using MS Visio for better visualization and understanding of the software application.
• Developed BRDs and FSDs Designed and developed Use Cases using Microsoft Visio.
• Communicated requirements through visually modeled UML diagrams to both management and development teams to ensure uniform understanding of the business scope, and detailed business and functional requirements
• Interview end users of systems, collect requirements, develop use case provide them with the knowledge needed to run their business. Made use case to generate functional requirement/work with QA team.
• Created and maintained Business Requirements document and System Requirements document. In addition, was responsible for getting appropriate sign-offs and approvals.

Confidential, Sacramento, CA

Business Analyst

Responsibilities:

• Worked closely with the UI team to model the screens, which met User defined requirements and also company standards
• 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.
• Involved in using back base front end products to create and manage customer interactions.
• Recognized forBusinessanalystefforts for successfully delivering one the very crucial projects on the Mobile banking roadmap due to nature of the product as well as its revenue generating capability.
• Managed and coordinated the efforts of theBusinessanalystand User experience team as a Mobile businessanalystLead to ensure a timely delivery of artifacts for a successful release.
• Involved in implementing new Financial History Utilities to add information from current Automated Financial System (AFS) Commercial Loan System. Proficient in creating screen mock-ups, wire frames and User Interface Documents, including Screen for Mobile Application.
• Conducted JAD sessions, user interviews, and detailed research and requirement meetings to gather requirements and fetch details forBusinessRequirements document (BRD).
• Created precise High level Use Case (UC) to detailed UC documents to be used throughout the project.
• Preparedbusinessprocess models and created As-is To-be flows (Gap Analysis) to represent the current and future capabilities of the product.
• Organized and successfully managed a number of product design sessions - onsite as well as virtual with the offshore development teams.
• Involved in migrating the Commercial Lending Process from existing AFS Application to the new application platform Loan IQ, mainly focusing on the Commercial Lending Servicing process.
• Assured delivery of number of documents in a timely and efficient manner. (BRD, Wireframes, Style Guide, Copy document, Technical flow diagram etc.)
• Coordinated with the PMO team to create milestones and timelines for deliverables on a weekly basis and detect and report Risks and Issues. Managed release level relationship with the offshore development team and other third party vendors.
• Responsible to use Back Base to integrate content, data and functionality to integrate with the existing application by optimizing.
• Managed workflows and sign off via SharePoint for all required documentation throughout the release.
• Managed SharePoint repository to ensure availability and proper access for all required users to the up to date documentation.
• Worked with Compliance, Fraud, Risk and Security teams to ensure their concerns and requirements were covered.
• Authored project change request (PCR) documents, and drove PCR from analysis to development.
• Created Traceability Matrix to map all requirements and ensure minimal gaps.
• Worked with Information Architects (IA) and other representatives from the User Experience (UX) team to design wireframes, mock ups, mobile app prototypes and process flows.
• Assisted IA in designing wireframes and mobile screens based on userinterfacedesign knowledge and expertise.
• Worked with reporting teams to communicateBusinessline requirements around reporting and ensure proper reporting, tagging and data requirements were being met.
• Worked with the Release Management, PMO, Executive Management, along with managers/staff in Development, ETT, UAT, Core Business and other areas, to plan, deliver, and track testing progress.
• Worked with the BLAT team to ensureBusinessline needs were met and delivered the final product satisfied thebusinessexpectations.
• Worked directly with the Project Manager to manage project scope and handle scope changes, scope creep, process change etc. and create/update required documents for proper communication to all impacted teams.
• Managed change control logs and version control for the documents to provide the ease of understanding and finding the correct documents.
• Efficiently handled multiple projects and issues at a same time, proving great multi-tasking and time management abilities.
• Provided active testing support to the testing team. Actively participated in mobile application releases by running test cases, revivifying defects / bugs and properly communicating and highlighting them to the required representatives.
• Hands on experience of testing, troubleshooting and configuring various types of handsets and different operating systems such as RIM, Android, iOS, Windows.

Confidential, San Leandro, CA

Business Analyst

Responsibilities:

• Understanding the currentbusinessprocess, defining scope of the project along with vision statement.
• Actively participated in gathering requirements from various SMEs, Financial Analysts, Risk Analysts and Portfolio Management via JAD/JAR sessions.
• Participated in website development from inception through implementation and maintenance; edited and updated XML content files using Epic WYSWYG tool including Rich text, Images, PDF's, Videos etc. to improve content and user experience
• Worked with theBusinessteam to gatherbusinessrequirements for Portfolio Management, Mobile RemoteDepositCapture and Customer Information functionality to developBusinessRequirement Document (BRD), Use Case document and Software Requirements Specification (SRS)
• Involved in providing solutions for call center specific requirements of the client using the Finacle CRM solution which is a customer centric application.
• Analyze Content Decks and wireframes to evaluate specific content needs for projects and reviewed requirements with SMEs, Product, UX/UI and development teams for sign-offs
• Worked with the UX team to develop UX wireframes, navigation flows and interaction rules using UX design principles and best practices
• Analyze content decks and wireframes to evaluate specific content needed for projects and reviewed requirements with the SMEs, Product, UI/UX and development teams using SDL Tridion and Documentum WCM
• Extracted the Business Requirements from the end users keeping in mind their need for the application and preparedBusinessRequirement Documents (BRD) using Rational RequisitePro.
• Used SDLC (System Development Life Cycle) methodologies like the RUP and the waterfall.
• Utilized Visio in developing wireframes of web pages.
• Assisted the development team in designing and customizing the UI of Finacle screens as per the requirements of client.
• Designed the UI of the application, prototyping and wire framing in MS Visio for better illustration of the application.
• Responsibilities included source system analysis, data transformation, loading, validation for data marts, operational data store and data warehouse.
• Prepared Test plans which includes an introduction, various test strategies, test schedules, QA teams role, test deliverables, etc.
• Involved in creating a process document to depict the functionality of Loans and Deposits module in Finacle.
• Implemented data access, storage and validation routines on the database server using Procedural Language/Structured Query Language (PL/SQL)
• Exposed to Agile methodology.
• Designs and develops the logical and physical data models to support the Data Marts and the Data Warehouse
• Involved in mentoring specific projects in application of the new SDLC based on the Agile Unified Process, especially from the project management, requirements and architecture perspectives.
• Designed and developed complex Teradata graphs to load and integrate security and account reference data in high performance systems with Perl scripting, EME and BRE
• Developed multiple Functional Requirements definition (FRD) documents using the Microsoft standard structure and format (businesssections only)
• Used MS Visio for Process modeling andBusinessProcess flow diagrams.
• Participated in requirements meetings, writing requirements in Caliber RM, converting requirements from Caliber RM to HP Quality Center
• Assisted in process modeling; conducted and participated and facilitated in JAD/ JAR sessions with system users; helped with design walkthroughs with stakeholders for base lining architecture.

Confidential, Philadelphia, PA

Business Analyst

Responsibilities:

• Gatheredbusinessrequirements by driving user-group meetings and working with various global, cross-functional and virtual teams
• Involved depth understanding of Credit Risk management for the application
• Conducted User Interviews and Work Shops to gather accurateBusinessRequirements
• Served as a liaison between thebusinessteam and the technical team by identifying, understanding, and documenting their needs
• Responsible for tracking and resolution of all discrepancies identified during testing using Mist defect tracking database.
• Analyze requirements utilizing various methods. (E.g. sample data from SQL queries, Screen Shots, reports, prototype screens, sourcing information, and other data models.)
• Discussed with SMEs across different businesses units to gain solid knowledge of the existing Credit Risk Calculation System and assisted in preparing an advanced Risk Assessment and ROI Management.
• Responsible forbusinesssystem analysis of customizing the BPS Risk Management product with involvement through the whole SDLC
• Teamed up with both internal and external software development groups to provide functional requirements specifications in form of use cases,businessprocess flows, and prototypes and management reporting requirements
• Met with users and stakeholders to understand the problem domain, gathered customer requirements through surveys, interviews (group and one-on-one) along with JAD sessions.
• Designed and developed Use Cases, Activity Diagrams, Sequence Diagrams, OOD using UML
• Involved in all phases of software development life cycle in RUP framework.
• Used Rational Rose to model the process using UML to create behavioral and structural diagrams.
• Managed the transition to new development standards, procedures and processes including the introduction of UML, Rational Products including Rational Software Architect, ClearCase and ClearQuest as well as the Mercury Test Suite
• Provide ad-hoc reporting and analysis from data sources including PeopleSoft (SET) and Teradata
• Performed data analysis by using SQL queries using the DB Artisan tool
• Extensive experience in using collaborative tools like Mercury Quality Center to facilitate development across disparate teams
• Designed and developed Use Cases, Activity Diagrams, Sequence Diagrams, OOAD using UML andBusinessProcess Modeling.
• Developedbusinessprocess models in RUP to document existing and futurebusinessprocesses.

Confidential, Denver, CO

Business Analyst

Responsibilities:

• Gathering and analyzing requirements for the BankingDeposit(DDA and ST) and Treasury (Forex, Money Market) applications.
• Conducted walkthroughs with the end users and stakeholders to gather the modification requests from the user to upgrade or change thebusinessspecifications for the product.
• Intricately involved in Business Process Flow development,BusinessProcess Modeling, and ad hoc Analysis
• Performed detailed comparative analysis of response to RFPs of vendors and Graphically Represented the recommended solutions in PowerPoint to Senior Management
• Prepared Business Context Diagram, Use Case diagrams and corresponding Activity Diagrams using Rational Rose to depict the workflows to be incorporated into the development of Pega Business Process Management (BPM) tool.
• Involved in creation and execution of manual test cases in Mercury Test Director and automated Test Cases in QTP and analyzed the Test Results.
• Prepared the test data and executed SQL queries to verify and do the database testing.
• Prepared Test Cases based on base-lined Requirements Document, prepared Requirements Traceability Matrix and provided Performance Testing Requirements.
• Worked very closely with the Test team to Test all iterations during the Testing Phase and documented all the defects.