SUMMARY

• As a Business Analyst having 8+ years of experience in teh field of Information Technology with emphasis on Business Analysis. Focused on banking Domain.
• Strong knowledge of SDLC methodology and project life cycle, including Analysis, Design and Review of Business and Software Requirement Specifications.
• Adept in consumer and commercial loan analysis, mortgage, credit analysis, profit and loss, balance sheet analysis, cash flow analysis, loan origination, repayment track, eligibility analysis, margin calculation, collateral verification.
• Excellent requirement elicitation skills in creating Business Specifications, Functional Specifications.
• Extensive experience in managing project requirements, which includes requirement gathering, requirement rating/analysis and requirement priority assignment.
• Extensive knowledge SDLC Processes like Waterfall, Agile, Scrum, RUP (Rapid Unified Process).
• Extensive experience in gathering User and Business Requirements and creating Business Requirement documents (BRD), Functional Requirements (FRD), Technical Requirement (TRD), Logical Design, Change Request Process, Use Cases, Scope document, Contingency Plan.
• Thorough understanding of Rational Suite including Rational Rose, Requisite Pro, Rational Clear Case, Rational Clear Quest and Object - Oriented Analysis.
• Extensive knowledge on commercial lending life cycle, lending origination, under writing, loan delivery and loan servicing.
• Performed Backend testing using Data Verification and Data Validation techniques via SQL.
• Solid data analysis skills and ability to provide analysis results specialized in credit risk, market risk, liquidity risk and Regulatory Reports.
• Strong working experience and familiarity of emerging regulatory standards including Basel, Dodd-Frank Act Stress testing, CCAR, Liquidity Risk Reporting (FR 2052a), KYC and AML.
• Good financial product working experience (including pricing, risk management and related reporting/compliance knowledge) Commercial Lending/Credit product, Fixed Income (Rates, Repo, FX, Commodities).
• Proficient in Microsoft Windows, Word, Excel, PowerPoint, MS Visio, Enterprise Architect, Requisite Pro
• Experience working with Electronic Claims clearing houses like Automated Clearing Houses (ACH) for electronic payment, remittance data processing and services.
• Extensive experience with Unified Modeling Language (UML) and proficient in creating Use Case diagrams, Sequence Diagrams, Activity Diagrams.
• Experience working in various complex IT projects dealing with Loan Origination systems, Trading, Mortgage & Credit Card related Web/Client-Server applications, ERP applications, and Investment Banking operations.
• Strong subject matter expertise in Credit Card Industry, Retail/Investment Banking, Stocks, Bonds, Derivatives, Risk Analysis, Mortgage Loan Origination, Processing and Loan Servicing.
• Strong understanding of Loan Origination Systems (LOS), Home Mortgages, Credit Loans, Auto Loans, Commercial Loans, Home Loans, Investment banking.
• Responsible for conducting root cause analysis in teh System of Record (SOR) and federally mandated reporting.
• Tasked with providing tactical and strategic solutions for teh loan origination, servicing, CCAR reporting groups.
• Strong understanding of various types of risk such as Market Risk, Credit risk, Liquidity Risk, interest rate risk, basis risk, currency risk and various risk metrics such as Value-at-Risk (VaR).
• Good understanding on International & Domestic Payments Networks covering High, Low value & Real Time payments, SWIFT & ISO message formats.
• Experience in Conducting Joint Application Development (JAD) sessions, Elicitation sessions, workshops, and interviews sessions with Subject Matter Experts (SMEs)/End Users/Development Groups/Clients, asking detailed functionality aspects of business process and carefully updating teh information to teh requirements in an easily understandable format.
• Experience in performing GAP analysis, dashboards, statistical analysis and detail presentation for teh top-level management. Worked in Microsoft Virtualization technology in Clustering environment.
• Experience in Unified Modeling Language (UML) modeling, including Use Cases, Activity diagramming with swim lanes, and Context diagrams using tools such as MS Visio.
• Experience in designing Test Strategies & plans and hands on experience in creation of teh test scenarios and execution using Quality Center. Has successfully executed System Performance, User Acceptance Testing.

PROFESSIONAL EXPERIENCE

Sr. Business System Analyst

Confidential, Richmond, VA

Responsibilities:

• Worked on analyzing and documenting Business Requirement Document (BRD), Functional Specification Documentation, and System Requirement Documentation, using UML methodologies.
• Worked on gathering requirements and reviewed Business Requirement Documentations (BRD) for several enhancements within Fin Arch, a Basel IIIReportingtool.
• Involved in providing Gap Analysis, Cost/benefit analysis and understanding teh business perspectives on many financial and operational issues.
• Created comprehensive business requirements document, including requirements for conversion of customized reports, proprietary product codes, mortgage pool protection processing and data feeds.
• Worked on all phases of testing for assigned components ensuring UAT test plans and test cases are completed and met business requirements.
• Worked on Testing Methodologies like Waterfall and Agile.
• Worked on managing requirements and developed Test Scripts and Test Cases using HP Quality Center
• Interacted with teh business users to gather requirements based on teh CCAR Regulation for Financial Statements, Interest Rate, Credit Ratings, FRY9C and Investment Securities.
• Worked with consultants and IT staff in building a Regulatory Audit Profile database in SQL Server to support new regulatory compliance validation process.
• Involved in analyzing requirements for loan request, loan process, loan origination, member services, processing and portfolio management.
• Worked on complete loan origination system (LOS) requirements and developed Use Cases with narratives.
• Worked with end clients regarding teh brokerage structure and commissions charged.
• Worked on analyzing teh newregulatoryrequirements of Dodd Frank and Basel Accord III for Pillar 1, 2 and 3 phases on Market Risk calculation, monitoring andreporting, and new implementation of Comprehensive Stress Testing.
• Liaison with project management team, mortgage-backed security trading desk, fixed income division management, development staff and vendor teams for facilitation of project.
• Involved in performing manual testing on Admin, Authorization, Closing and Funding modules of teh Loan Origination System.
• Formulated a Test Plan and Test Cases that comprehensively tested these critical aspects of teh loan origination system and teh loan lifecycle.
• Worked on data migration and document mapping to Consumer Loan Origination System (CLOS), requirement and process flows for next set of projects.
• Worked on getting teh requirements for documents for Home Equity and Auto Loans.
• Studied and analyzed teh business process information from teh business users in all teh functional areas and prepare teh Business process Document. Also gathered teh information for teh areas of improvements to be incorporated into SAP. Worked actively in SAP FICO module.
• Worked with teh procedures ofBanking&RegulatoryCompliances - Anti-Money Laundering (AML), Customer Identification Program (KYC/CIP), CCARRegulatoryReporting, Dodd-Frank Act.
• Worked with teh CCAR team on delivering teh calculation methodology of market risk RWAs and credit risk RWAs to serve teh RWA projections in scenario analysis.
• Worked on teh data model and reporting requirements with Reporting team for reports with teh Data warehouse.
• Involved with teh team developing SQL, data wrangling, migrate disparate source data into a centralized data mart structure and processed advanced features for data mapping, data conversion.
• Involved with teh team developing programs for extraction, transformation and loading of data into teh global repository.
• Worked with teh team delivering artifacts (i.e. BRD, FRD, and PID) to satisfy severalregulatoryreportingrules, like Basel III, FRB Resolution Plan-Living Wills, CCAR /DFAST, and Volcker Rules.
• Worked on Methodologies & Governance frameworks for CCAR, ALLL/CECL, Stress Testing, Capital Planning &RegulatoryReportingfor Consumer & Commercial Credit portfolios with Fixed Income trading desks.
• Involved with teh team coordinating Finance &RegulatoryReport Automation Project (Dodd Frank and CallReportingProcess) designed to enhance production efficiencies while decreasing operational risk.
• Worked on Capital and Leverage Planning/ Forecasting as part of teh Medium-Term Plan and CCAR processes.
• Involved with teh team working on Data analysis with SQL queries with credit risk data warehouse.
• Worked on analyzing data warehouse requirements and supported data ETL plan, data staging, and data quality plan.
• Worked with teh team supporting data load into Enterprise Data warehouse on a regular basis.
• Worked with teh team preparing Investment Schedules andRegulatoryReports for month-end, quarter-end and year-end financial statements for legal entities.
• Worked with teh team creating SQL reports, data extraction and data loading scripts for different databases also preparing a handbook of documented standards.
• Worked with teh CapitalReportingteam within Credit Risk, was responsible for providing commentary and analysis for counterparty Risk Weighted Assets (RWA) movements for teh Bank's trading book exposure.
• Involved with teh team performing regression testing teh information or data using SQL skills, data governance and carrying data stewardship skills creating data dictionaries.
• Performed Business process Mapping and performed AS IS and TO BE Analysis.
• Involved in developing and managing project plans and schedules. Managed resolution of Project issues and conflicts.
• Worked with QA testing team to design test methods to verify teh application's functions of consumer loan, home equity, refinance, commercial loan activities.
• Completely responsible for teh Unit and Integration testing of FICO sub modules.
• Involved with teh QA team to conceptualize, determine and develop test approaches and methods for unit testing, integration and functional testing, load and usability testing according to teh application complexity and test requirements.
• Worked as a Liaison between QA team and Business Units involved in teh application development for better understanding of teh business and IT processes.
• Coordinated UAT of teh product with Business Users, QA and developers.

Business System Analyst

Confidential, Falmouth, ME

Responsibilities:

• Conducted highly interactive JAD sessions with project stakeholders to identify and resolve issues. Ensured consensus between Line of Business and IT Teams.
• Involved with teh team writing specifications for various reports and generating canned reports using Business Objects.
• Worked with teh core team to design business requirement collection approach based on teh project scope and SDLC Methodology.
• Involved in business analysis and project management, coordinating between teh team members according to teh business requirements.
• Worked with teh team designing teh business process flow for teh new platform in conjunction with SMEs.
• Conducted JAD sessions with SMEs and technological experts to gather data requirements such as securities pricing, corporate actions and custodial data.
• Involved with teh team implementing Agile - Scrum methodology throughout teh process life cycle.
• Gathered and refined business requirements for a new auto loan origination implementation project.
• Prepared FICO project timeline and teh resources required to teh steering committee.
• Worked on Agile methodology attending daily standup calls with a sprint timeline which were tracked with JIRA.
• Worked on identifying various data sources from where teh data had to be extracted for teh new platform.
• Involved in designing and developing Use Cases, Use Case Diagram, Activity Diagrams and Data Flow Diagrams.
• Worked closely with teh architect, database administrator and technical team during Data Mapping and Data Integration.
• Involved with teh team performing feasibility study and risk analysis to identify teh critical requirements from teh user's perspective.
• Facilitated and managed meeting sessions from business areas including Loan Origination, Loan Processing.
• Worked on designing and developing Business Flow Diagrams, Activity Diagrams, Sequence Diagrams, and Object-Oriented Models using MS Visio.
• Worked with teh team focusing on Comprehensive Capital Analysis and Review (CCAR)Reporting, Governance, Risk & Compliance (GRC) and Dodd-FrankRegulatoryReporting, including FRY 9C, FRY 14Q.
• Reviewed mortgages of informed borrowers/related parties for loans, marketing conditions, documents needed to close loans.
• Worked with development team designing various practicalDataVisualizations, Charts, Dashboards, Prototypes and Demo, published it in various workbooks for Analytical Projects andDataVisualization teams.
• Worked with teh team serving as a primary point of contact and support for users interacting with Data Warehouse.
• Involved with teh team prioritizing requests for new data and Data Warehouse modifications with teh Data Architects and Data Warehouse Steering Committee.
• Worked with teh team acting as a primary point of contact and support for users interacting with Data Warehouse.
• Responsible for teh quality of all changes to Empower, teh loan origination system for teh Retail branches.
• Involved in teh management of all risk, issues, defects, impacts and change through weekly Change Control Board (meetings) to assess, prioritize and mitigate resolutions in a timely manner.
• Involved in conducting weekly status meeting to advise all essential stakeholders on progression of teh project and budgeted reports.
• Worked on delivering teh releases in Agile- Sprint fashion.
• Communicated and collaborated with all essential divisions to ensure cohesion on all associated resource and data needs.
• Gathered requirements, developed Process Model and detailed Business Policies.
• Followed teh RUP methodology for teh entire SDLC.
• Worked with teh clients on teh final signing process in teh User Acceptance stages.
• Worked on developing recommendations and designed solutions for process improvements and Tested in all modules of FICO with teh new functionalities and resolved teh issues during integration testing.
• Involved in organizing all phases of teh software testing process, including planning tests, writing test cases, executing tests and tracking defects using Quality Center.
• Worked extensively with teh QA team for designing Test Plan and Test Cases for teh User Acceptance testing (UAT) and validation.

Business System Analyst

Confidential - NYC, NY

Responsibilities:

• Involved in conducting extensive meetings to understand teh business model and processes, documented and gathered teh business requirements, and carried out implementation of new derivative products.
• Worked with teh team on credit monitoring, credit edge and risk calculation to check teh quantitative credit analysis solutions for investors.
• Worked extensively with SME's including heads in areas of fixed income derivatives, options, foreign exchange (FX), futures and risk managers in understanding, extracting, refining and documenting teh User and Business Requirement Specifications in teh BRDs.
• Worked through Software Development Life Cycle (SDLC) from Requirements, Analysis, Design, and Implementation through Testing.
• Involved with teh team consolidating and reconciling Trade Date from across multiple settlement platforms likes equity, bond market, derivatives and commodity market.
• Involved in facilitating and documenting QA test plans and specifications, UAT, and post-production roll out.
• Worked on conducting UAT and documentation of test cases.
• Worked on creating Use Case Scenarios and maintaining teh Use Cases (Business Use Cases, System Use Cases) and modeled Use Case Diagrams, Activity Diagrams, Business Flow Diagrams, revised functional specifications and other core materials throughout teh System Life Cycle making all necessary revisions for defect correction and requirement clarification and refinement.
• Worked with teh team responsible for teh documenting Lineage of Corporate Risk Metrics cross functional areas including Liquidity Risk, Compliance Risk, Operational Risk, Credit Risk, Capital Risk and Market Risk.
• Involved with teh team working on Finance, Risk, and Investment Accounting teams to create Data Governance glossary, Data Governance framework and Process flow diagrams.
• Involved in performing Gap Analysis for teh modules in production, conducted feasibility study and performed impact analysis for proposed enhancements.
• Worked on conducting scenario analysis to document business rules that govern teh pass/fail criteria, set timelines to process teh files, created backup for failed imports, etc.
• Worked on Test cases and test scripts per Functional Specifications of teh application. Documented test/cases, test results, test procedure and reported to client.
• Involved with teh Quality Assurance group to implement Test Cases in Mercury Test Director for stress testing and UAT (User Acceptance Testing).

Business System Analyst

Confidential - NYC, NY

Responsibilities:

• Participated with teh team assisted by teh project manager to develop both high-level and detailed application architecture to meet user requests and business needs. Also, assisted in co-ordination on project expectations and in evaluating teh impact of changes on teh project plans accordingly and conducted project related presentations and in performing Risk Assessment, Management and Mitigation.
• Has been assisted in illustrating teh model driven development by capturing teh business requirements for process and data modeling in terms of Business Process Model and Notation (BPMN).
• Worked with teh team performing teh AS-IS and TO-BE business process and developed teh GAP Analysis to know where we stand.
• Worked on teh development of business process models in RUP to document existing and future business processes.
• Conducted user interviews, gathered and analyzed requirements and coped changes using Rational Suite.
• Interacted with teh Subject Matter Experts, business user and technical SMEs to identify teh business needs, Business Rules, Business Processes, and Interface Specifications for teh improvement of teh account management system upgrade and tan documented them in Vision and Business Requirement Documents (BRDs), Functional Requirement Documents (FRDs).
• Involved with teh team using spring annotations along with hibernate as well as xml configuration for dependency injection for developing teh application.
• Participated in co-ordination with teh team developing and creating Data warehouses.
• Understood teh design and development of Use Cases, Activity Diagrams, Sequence Diagrams, using UML.
• Worked with teh team designing and maintaining a data repository with reporting capability that enabled analysis and in sight of user behaviors and interactions for Equity, Index, Options, and Bonds.
• Has been assisted in writing, testing and implementation of teh SQL triggers, stored procedures, functions. Lead User Acceptance Testing (UAT) along with teh QA team.

Business Analyst

Confidential - Pittsburgh, PA

Responsibilities:

• Analyzed Business Requirements and prepared Test Plans and Test Cases
• Helped in conducting release backlog, attended scrum meetings, conducted sprints and UAT in Agile methodology.
• Involved in understanding teh Requirements of teh end Users/Business Analysts and Developed Strategies for ETL processes.
• Has been assisted by teh seniors to gather additional requirements from teh users in order to describe teh business needs in terms of teh system being created.
• Responsible for completing weekly project status reports.
• Participated in conducting interviews with key business users to collect requirements and business process information.
• Gained knowledge in documenting requirements associated change requests with requirements and connected requirements with Use cases in Requisite Pro and created different traceability views.
• Performed and evaluated teh benefits of teh new system and generated workflows.
• Has been assisted on designing and developing teh Test plan and Test case documents.
• Worked with teh team developing documentation templates, specifications and schedules for technical writing deliverables.
• Involved with teh team extensively using pivot tables and v lookup for reporting.
• Has analyzed and interpreted teh technical information in order to compose User Manuals.
• Participated in writing several test cases for UAT and regression testing.
• Has been assisted in facilitating Joint Application Development (JAD) sessions and White Board Sessions with business users from various departments in Sentry Insurance, Data Architects and developers.
• Interacted with all teh levels in PMO for reviewing, regular modifications, change management and Traceability Matrix.
• Acquired knowledge in performing Gap analysis of teh reports by identifying existing technologies, documenting teh enhancements to meet teh end state requirements.
• Involved in defining testing objectives and verify requirements are testable.
• Worked with teh leads planning and let UAT process by setting up weekly status and planning meetings with users, handling UAT scrums, UAT touch point meetings.
• Worked with users to document teh test scripts correctly and ensured that all data is tested.