SUMMARY

• 10+ years of experience as a Techno Functional Consultant in Banking, Finance, and Payment domains.
• Extensive experience in different SDLC methodologies like Waterfall and Agile.
• Progressive product and project management experience and a certified Six Sigma professional.
• Proven track record of using business analysis and technology to address client issues and improve processes while successfully managing timelines, costs, resources, risks, and customer expectations.
• Strong understanding of end - to-end Mortgage Loan processing and payments gateways.
• Extensive work experience in working with Agile (SAFe, Scrum) and Waterfall methodologies.
• Good knowledge on different modules within Banking, Finance, and Payments domain.
• Proficient in conducting and facilitatingRequirements Gatheringusing diverse elicitation techniques such asRequirement Workshops, Focus Groups Discussion, Interviews, Survey/Questionnaire, Brainstorming, Prototyping and JAD Sessionswith the clientsBusiness Management Team, SMEs, and Technology team.
• Wrote Project Charters, Business Requirement Document (BRD), Functional Requirement Document (FRD), Non-Functional Requirement Document (NFRD), and uploaded in SharePoint. Proficient in taking Meeting Minutes, Requirement Traceability Matrix (RTM)and utilized Clear Quest for change requests and defect tracking.
• Extensively experienced in creatingPrototypes: Wire Frames and Mock-Upscreens to visualize Graphical User Interface(GUI); Business Process Model,Unified Modeling Language (UML) likeActivity Flow Diagrams, Sequence Diagrams, and Use Case Diagrams, Process Workflow Diagrams, Class Diagramsusing MS Visio, Balsamiq.
• Participated in scrum ceremonies actively, such as Backlog Refinement, Sprint Planning, Daily Stand-ups, Sprint Review and Sprint Retrospective.
• Used Project Management Tools extensively like JIRA, RALLY, Azure DevOps and other Atlassian tools like Confluence.
• Created and refined User Stories proficiently using the techniques like INVEST, SMART elaborating Acceptance Criteria for Sprint Backlog. Used SPIDR diligently to slicing and breaking down User Stories.
• Gained significant experience by extensiveclientinteractionsin highly cohesive and loosely coupledService Oriented Architecture(SOA)with strong and in-depth understanding ofXML, Web Services (WSDL, SOAP, REST)andStructured Query Language(SQL)across heterogeneous IT environments.
• Proficient in API architectures, authentication mechanisms:HTTP, XML, JSON, REST and Soap APIs. UsedSOAP UI, REST UIandPostmanfor API testing,Swagger toolfor API documentation for API integration.
• Extensive knowledge ofContinuous IntegrationandContinuous Deployment (CICD)usingJenkins.
• Strong SQL knowledge of querying the database and proficient in developing External tables, Joins, Indexes, Star/Snowflake Schema, Data Mapping, Data Modeling, Data Cleansing, Data Masking, ETL process from multiple data sources.
• Thorough understanding ofBusiness Intelligence (BI)and experienced in dashboard creation tool Power BI and analytics tool Tableau for business decision making.
• Skilled in working along with QA team to designTest plans, Test CasesandTest ScenariosforUser Acceptance Testing (UAT), Black-box Testing, Functional Testing, various System Testing, Integration Testing, Regression Testing, Load/Stress Testing, Performance Testingin both manual and automated testing framework like Java Selenium.
• Strong knowledge of the compliances including FHA, FHFA, FINRA, FINCEN, TILA, RESPA, TRID, FCRA, URLA, HMDA, PCI-DSS, and OFAC as guided by legal and compliance team.

TECHNICAL SKILLS

Project Methodology: Agile (SAFe, Scrum, KANBAN), Waterfall

Project Management Tools: JIRA, Rally, MS Project, Azure DevOps

Collaboration Tools: MS Teams, CISCO Webex, Atlassian Confluence

Prototyping and Analytics: MS Visio, MS Power BI, Tableau

Database: MS SQL Server, Oracle 12g, MS Access

Web Technologies: HTML, CSS, XML, Web Services, API, UDDI, WSDL, SOAP, RESTful

Testing Applications: Postman, SoapUI, Swagger

PROFESSIONAL EXPERIENCE

Confidential, Troy, MI

Sr. Business System Analyst

Responsibilities:

• Collaborated with stakeholders as the Point-of-Contact to understand the systems, and business needs.
• Elicited Business Requirements by conducting detailed Interviews and Focus Group Sessions with Business Users, Stakeholders, and Subject Matter Experts (SMEs) such as Underwriters, Credit Analysts to define the Financial Projections and Cost-Benefit Analysis.
• PreparedProject Charters, Business Requirement Document (BRD), Functional Requirement Document (FRD), Systems Requirement Specification (SRS), Work Breakdown Structures (WBS), Requirement Traceability Matrix (RTM)and utilized Clear Quest for Change Requests and defect tracking.
• Worked closely with the Product Owner for Product Backlog Grooming and assisted in writing Functional & Technical User Stories using INVEST and SMART criteria, vertical slicing them using SPIDR technique, prioritized them using MoSCoW or WSJF method, estimated them using Fibonacci series and Acceptance Criteria using GHERKINS format.
• Implemented the products according to Product Visions and Roadmaps towards the organizational growth and scalability.
• Participated Architectural Review sessions to present Technical User Stories and gather development team’s input on technical needs to deliver the product.
• Participated inScrum Ceremonies, extensively usedJira, collaborated Product Owner converting requirements to Features, User stories, Tasks, Sub-tasks and assigned to teams.
• Collaborated with development team to ensure that coding standard is maintained to keep the Technical Debt low, Code Refactoring, and Continuous Integration practices are ensured, to enhance systems logic and functionality, during code promotion from development environment to production environment.
• Collaborated with Systems Architect to implement Service Oriented Architecture (SOA), Client-side Validations, Server-Side Validations, Database Validations and Web Method definitions.
• Coordinated with Residential Underwriter, Mortgage Loan Servicer, Credit Analyst, and Compliance Professionals to determine the Business Rules concerning Fixed-rate Mortgage Loan, Adjustable-rate Mortgage Loan, FHA Insured Mortgages, Jumbo Mortgages, and Conventional Mortgages.
• Facilitated the JAD session where Requirement Modeling was done by drafting UML diagrams and BPMN Diagrams to identify the area which requires customization.
• Performed GAP Analysis for the elicited requirements to analyze if the Loan Origination System can fulfill the business requirements.
• Wrote Technical System Specifications for Operational, Legal and Compliance enhancements or changes in Empower Loan Origination System Software.
• Responsible for the quality of all changes to Empower, the Confidential loan origination system for the branches
• Wrote Client-Side Validation, Server-Side Validation and Database Validation for various functionalities of the Underwriting Module of Loan Origination System.
• Identified Web Services using Universal Description Discovery and Integration (UDDI), WSDL and API’s using SharePoint and Internal Repository that can be effectively used for various project functionalities.
• Excellent backend skills in creating SQL objects such as Tables, Stored Procedures, Functions, Views, Indexes, Rules and SQL Performance Tuning to facilitate efficient data Manipulation and Consistency.
• Created Data Mapping documents and worked to write Transformational Rules for successful ETL process to generate different reports for mortgage loan.
• Hands-on experience in Schemas, Dimensional modeling and Reporting tools, Operations Data Store concepts, Data Marts and OLAP technologies in RDBMS including developing optimized SQL queries, Stored Procedures, User-defined Functions, and Transactions
• Performed Functional testing and Smoke testing on a regular basis to make sure that the basic functionalities of the system are working.
• Facilitated Triage calls to identify defects by performing Root Cause Analysis and mitigated it along with development and testing team.
• Developed User Manuals & Support Team Manuals and train the users of the systems.
• Involved in Post-production Support (PPS) by executing leading IT Service Management (ITSM) practices using ServiceNow with the help of the support team to address Tickets raised by the client.
• Ensured that the functionalities and system complied with various compliances including FHA, FHFA, FINRA, FINCEN, TILA, RESPA, TRID, FCRA, URLA, and HMDA as guided by legal and compliance team.

Environment: Scaled Agile (SAFe Framework), JIRA/Confluence, SharePoint, MS Visio, UML, Oracle 10g, MS SQL Server 2016, HTML/CSS, Tableau, Web Services, API, Microservices, AJAX, RESTful Services, SharePoint, TDD.

Confidential, New York, NY

Senior Business Systems Analyst

Responsibilities:

• Identified the scope of the project and facilitated one-on-one Stakeholder Interview and performed Job Shadowing to elicit high level requirements.
• Analyzed the legacy system using Document Analysis and Gap Analysis and provided efficient solutions using Impact Analysis and Cost Benefit Analysis.
• Highly experienced in gathering and documenting both functional and non-functional requirements.
• Created and maintained different Artifacts including Product Backlog, Sprint Backlog, Burndown Chart, Burnup Chart, Cumulative Flow Diagram (CFD), Minimum Viable Products (MVP), Retrospective Logs, Requirement Traceability Matrix (RTM), Release Backlog to monitor the development progress.
• Participated inScrum Ceremonies, extensively usedJira, assisted Product Owner converting requirements to Features, User stories, Tasks, Sub-tasks and assigned them to teams. Assisted the Product Owner in writing Functional User Stories and wroteTechnical User Stories, Acceptance criteriaand framedDefinition of Done (DoD)criteria for the Potentially Shippable Product Increment (PSPI).
• Assisted the Product Owner in User Story writing following INVEST, SMART criteria, prioritizing using MoSCoW and WSJF, vertical slicing using SPIDR, estimating and story pointing using Fibonacci sequence.
• Collaborated with development team to ensure that coding standard is maintained to keep the Technical Debt low, Code Refactoring, Unit Testing and Continuous Integration practices are ensured, to enhance systems logic and functionality, during code promotion from development environment to production environment.
• Coordinate with QA Testing team to develop Test Plans, Test Cases and Test Scenarios for Functional Testing based on testing requirements.
• Collaborated with ETL developer for data mapping and identified business rules for ETL to transfer and extract data from source files and load the data into the target database. Actively engaged for data transformation, from OLTP to OLAP using the transformation rules, and SQL querying.
• Identified Web Services using Universal Description Discovery and Integration (UDDI) and API’s using Internal Repository that can be effectively used for various project functionalities.
• Worked closely with Systems Architect to implement Service Oriented Architecture (SOA), Client-side Validations, Server-Side Validations, Web Method definitions.
• Performed initial testing of REST API’s using Postman to verify to API response message and codes.
• Developed User Manuals & Support team manuals and train the users of the systems.
• Involved in Post-production Support (PPS) by executing leading IT Service Management (ITSM) practices using ServiceNow with the help of the support team to address Tickets raised by the client.
• Strong exposure in Store and Process Credit Card / Debit Card accounts and Process Transactions ( Confidential, Private Label Transactions). Have strong knowledge in following phases of Credit Cards life cycle.
• Worked with one of the top payment systems organizations in the world for providing banking solutions like electronic Payments, Transaction Warehousing, Collections Systems.
• Strong system knowledge of automated ACH processing application Paperless Entry Processing PEP developed by Merchant Services, PCI Compliance, ACH Compliance and risk exposure limits.
• Familiar with IBM Mainframes technologies such as COBOL, JCL, VSAM CICS and DB2.
• Ensured that the functionalities and system compliance with regular communication with the legal and compliance team and dealt with various compliances including PCI-DSS, ACH, OFAC, TILA, MTSa and others.

Environment: Waterfall, Tableau, Oracle, MS SQL Server 2016, MS Office Suite, JIRA, XML, HTML, JSON, AJAX, SharePoint 2013, MS Visio, UML, Informatica Power Center, Tableau Desktop 8.2, SOAP UI, RESTful Services, Postman.

Confidential, Tempe, AZ

Business Systems Analyst

Responsibilities:

• Gathered Requirements through different elicitation techniques such as Document Analysis, Brainstorming, Interviewing, and conducting JAD sessions with technical teams, and SMEs
• Responsible for managing business decisions concerning Business Policies, Procedures, Methods for Implementation, Confidential Pre-payment Risk, Loan Origination, Commercial Mortgage Loans
• Documented requirements in Business Requirements Document (BRD), Functional Requirements Document (FRD), Non-functional Requirements Document (NFRD) and System Requirements Document (SRD)
• Responsible for the quality of all changes to Empower, the Confidential loan origination system for the Retail branches
• Conducted Gap Analysis of the current state of the system and future state of the system, SWOT analysis to identify the areas of improvement and feasibility analysis of the proposed enhancements.
• Created QTP VBscripts to automate testing. Tested Empower LOS functionality.
• Performed Business Rules Analysis by gathering and documenting business rules and made sure all the processes are in place and updated according to external and internal changes.
• Created and maintained Narrative Use Cases (Business and System Use Cases) and modeled Use Case, Activity Flow, and Data Flow Diagrams using Microsoft Visio.
• Used SQL to compare the database and the periodic reports generated by the application at various levels.
• Designed prototype of Orchestration Processes in MS Visio by invoking respective Web Services and APIs to scrub the errors in initial loan origination validation process.
• Used HP Systinet for SOA governance, lifecycle management and API management.
• Involved with the team to build-up the velocity and performance using Velocity chart and Burn-down chart
• Performed Requirement Analysis by gathering both functional and nonfunctional requirements based on interactions with the process owners & stakeholders and document analysis, represented them in Requirements Traceability Matrix (RTM).
• Prepared test cases and test scenarios identified and established Positive and Negative test cases and coordinated other QA’s in executing the test plans.
• Conducted User Acceptance Testing (UAT), beta testing, and involved in code review sessions to ensure that the functionality of the system aligned with the business requirements specified in the BRD

Environment: Agile-Scrum, MS SQL Server, MS Office Suite, Rally, MS Visio, SharePoint, UML diagrams, Kanban, Java, SOAP UI, MS Office Suite, MS Project, Mock-up Screens, SharePoint 2013, SQL Server Services, HP ALM, Crystal Reports, Informatica, Rally.

Confidential, Fort Mill, SC

Business Systems Analyst

Responsibilities:

• Understood the strategic goals of the program, organizational structure of a line of business to identify and engage senior management, SMEs, technical experts, project teams and end user as partners in SDLC.
• Defined the phase deliverables, tracked deliveries, and incurred expenses versus planned expenses, engaged resources, evaluated risks, and recommended contingency plans.
• Cultivated and lead cross-functional delivery teams to ensure high quality, on-time, on-budget delivery, worked on Business Rule Management, Demand and Capacity Management. Escalation and Risk Management.
• Implemented communication plan, led project working group meetings (requirement gathering), and project status meeting (reporting), and create project status reports.
• Effectively assigned resources and tasks, resolution of issues, status reviews and reporting, development of standards, change control and compliance with all policies and procedures.

Environment: Hybrid - Waterfall and Agile (Scrum), MS SQL Server, MS Office Suite, Rally, MS Visio, SharePoint, UML diagrams, Kanban, Java, SOAP UI, MS Office Suite, MS Project, Mock-up Screens, SharePoint 2013, SQL Server Services, HP ALM, Crystal Reports, Informatica.

Confidential

Business Analyst

Responsibilities:

• Used Elicitation techniques for requirement gathering and analyzed them using Gap analysis, Cost Benefit Analysis, Document Analysis, Prototyping and documented them in Business Requirement Document (BRD).
• Performed SQL queries using joins and nested queries to fetch data from MS SQL Server.
• Aided the back-end team in Data Mapping, Data Mining, Data Modelling, Data Validation and Data Integration.
• Experienced of payments processors such as Credit Card processor First Data, Originator Financial Institutions (ODFI), different Card Networks viz. VISA, MASTERCARD, AMEX and DISCOVER.
• Familiar with European Payment processing formats, Santander Partenon Architecture (IBM Mainframe Architecture & IBM DB2 Database Technology).
• Familiar with Visa/Master Card/Amex /Discover network, Debit networks INTERLINK, STAR, CIRRUS,MTS, PULSE FED, ACH operator network regulations and operating rules.

Environment: Waterfall, KANBAN, MS Visio, SQL Server, HP ALM, Silver Lake Core Banking Software.

Confidential 

Business Analyst

Responsibilities:

• Through understanding of Investment/Loan Module to build and maintain its Middleware and User Interface for Mortgage Home Finance Loan Origination System.
• Used different Elicitation techniques and Analyzed requirements using Gap analysis, Cost Benefit Analysis, Document Analysis, Prototyping and documented them in Business Requirement Document (BRD), Systems Requirement Specifications (SRS) and prepared Work Breakdown Structure (WBS).
• Created Uses Case Diagrams and different other UML diagrams viz. Activity Flow Diagram, Data Flow Diagram, Entity Relationship Diagrams, Sequence Diagram, Class diagrams.
• Performed SQL queries using joins and nested queries to fetch data from MS SQL Server.
• Aided the back-end team in Data Mapping, Data Mining, Data Modelling, Data Validation and Data Integration.

Environment: Waterfall, KANBAN, MS Visio, SQL Server, HP ALM, Silver Lake Core Banking Software.