SUMMARY

• Over 8+ years of diverse experience as a Business Analyst in domains like Banking, Mortgage with the aptitude to work independently and in teams to meet business deliverables with a result oriented approach..
• Extensive experience in role as Senior Business Analyst with excellent knowledge to the full Software Development Life Cycle (SDLC) methodologies, frame works and processes. Experienced in managing requirements from project inception through release.
• Experience gathering requirements through Joint Application Developments sessions (JAD) and Joint Requirement Planning sessions (JRP), Walkthroughs, Interviews, Questionnaires and Brainstorming with end - users, clients, stakeholders and the IT group.
• Expertise in using Rational tools for creating use cases, version control, and defect tracking and monitoring and used the Rational Unified Process (RUP) methodology in all areas of the software development life cycle (SDLC)
• Experienced in financial instruments within investment banking and brokerage environments (Derivatives, Fixed Income, Hedge Funds, Capital Markets, Energy trading, FX, Futures, Options, Commodities, Debt, Equity and Structured Products, Mutual Funds, Swaps, Asset Backed Securities) and wealth management.
• 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.).
• Excellent experience in performing RTM Test Matrix, GAP analysis and SWOT analysis to check the compatibility of the existing system infrastructure with new business requirements.
• Understanding of differentmortgage instrumentslikeMortgage Backed Securities MBS, Collateralized Mortgage Obligations CMO, Asset Backed Securities ABS, including the tranche structuring and credit enhancement processes to manageprepaymentandcredit risk.
• Good knowledge of different Financial services include commercial banking, middle-market lending, asset-based lending, leasing, cash management and trade finance.
• Strong experience in processing knowledge of EFT payments processing through Automatic Clearing House ACH, Credit Cards, Check Processing, Third party payments and European payments knowledge.
• Knowledge of Commercial Lending Systems like Loan IQ. Familiarity with Consumer Lending Processes.
• Experienced on Banking & financial domain projects (SecuritiesFinance,Securitieslendingwith collateral, dividends, trade life cycle (front/middle/back office), custody settlements, ECN to Exchange conversions, Swift Alliance, Globe tax services, corporate actions, fixed income and derivatives).
• Manage the tax calendar to insure proper and timely payments to government entities.
• Knowledge in Cards Payment processing and Retail Banking operations like Customer Relationship Management (CRM) and Enterprise Teller (ET).
• Experience in implementation and integration by leveraging Agile Methodology.
• Experience working with Electronic Claims clearing houses like Automated Clearing Houses (ACH) for electronic payment, remittance data processing and services.
• Experience working in projects including Credit cards/Gift cards test, Enterprise Payment Foundation, IWM (Integrated Workforce Management).
• 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.
• Solid understanding and knowledge of Equities, Derivatives (Futures, Options, Forwards, Swaps), and Regulatory Reporting (FRY9C, CCAR, FR2420, FFIEC Report) FFIEC, RWA, Risk Analysis.
• Expertise in diverse retail banking sectors including lending, deposits, payments, cards, trade finance, treasury, KYC, AML, payment system.
• Knowledge with investment banking regulatory reporting regulations like Basel II Accord.
• Good understanding the knowledge of 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.
• Experience in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• Experience working on AML tools such as Actimize, Mantas and related topics knowledge and understanding of fixed-income trading, asset management and portfolio management applications and how they are impacted by the Bank Secrecy Act, USA PATRIOT Act, Dodd Frank Act, Anti-Money Laundering, OFAC and Customer Identification Program, (KYC/CIP), Basel II compliance using industry standards and regulatory guidance, etc.
• Strong knowledge in products like savings account, checking account, money market, Time deposits, Certificate of deposit(CDs), KYC, AML,ATM, loans, credit, mortgage, asset & liability products, cash management, ForeignExchange Internet baking, wire transfers(EFT, ACH, payments) and SWIFT.
• Experience in ACH process on large volumes of credit and debit transactions in batches and ACH credit transfers including direct deposit, payroll and vendor payments.
• Knowledge ofMortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and functionalities.
• Extensive experience in conducting Market Research, Feasibility Studies, Data Analyses, Data Mapping Gap Analyses, Risk Identification, Risk Assessment, Risks Analyses, and Risk management.
• Strong knowledge of Dodd Frank, Charles River Investment Management System (CRIMS) and CALYPSO OTC.
• Experience in regulatory and compliance for IFRS (InternationalFinancialReporting Standards), US GAAP (Generally Accepted Accounting Principals) and SOX Compliance.
• Extensive knowledge in Automated Clearing House (ACH), Bank Clearing System, Electronic Funds Transfer (EFL), and SWIFT. General understanding of Accounting process including general ledger and account reconciliation.
• Experience in working in SWIFT message standards. MT103, MT202, MT300, MT320, MT540, MT541, MT542, MT700, MT710, MT940, MT950 etc.
• Expertise in UML (class diagrams, object diagrams, GAP Analysis, use case diagrams, state diagrams, sequence diagrams, activity diagrams, and collaboration diagrams) as a data analysis methodology for application functionality designs using IBM's Rational Rose.
• Created various kinds of reports using Power BI and Tableau based on the client's needs.
• Experienced in troubleshooting and performance tuning of reports and resolving issues within Power BI and Tableau Reports.
• Experience in Reference Data Management (RDM) concepts, Methodologies and ability to apply this knowledge in building enterprise reference data warehouse using Informatica RDM/MDM accelerator and IDD tools.
• Advanced proficiency in Microsoft, particularly Word, Excel, PowerPoint, and MS Project and expertise in Analyzing and Summarization of data usingExcel.
• Experience in working with My SQL database using TOAD for data validation testing
• Experienced in SQL Server Reporting Service (SSRS), Executing Queries and Running Stored Procedures.
• Experience in extracting UI based information by querying the Oracle database using SQL queries.
• Strong experience with Test Case Management using Mercury Quality Center, Black-box testing, device testing, integration testing, regression testing, User Approval Testing (UAT).
• Experienced in software Analysis, Requirements Management, and Quality Assurance and maintain Traceability.
• Experience in working with QA testing teams, while interacting with business users and gathering user's requirements to develop necessary Test plans, Test Cases and Test script

PROFESSIONAL EXPERIENCE

Confidential - Robinson Humphrey, NY

Business Analyst

Responsibilities:

• Facilitated and managed meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
• Performed analysis and assessment of business needs and cross system impacts and developed procedures for Mortgage servicing processes.
• Used Toad for Writing and executing the SQL Queries to provide backend security and data consistency.
• Primarily involved in the Mutual Fund trading activities of Domestic and International Equity, Fixed Income, Money Market, and Cash Investment.
• 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.
• 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.
• Analyze different investment options like 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.
• Gathered Business requirements pertaining to Trading, equities and Fixed Incomes like bonds, converted the same into functional requirements by implementing the RUP methodology and authored the same in Business Requirement Document (BRD).
• Conducted benchmarking / competitor analysis to support Equities business managers in developing business plans (short and long term).
• Review and approve Business Requirement Documents for customization efforts of the new LOS to ensure all business functions are available in the future state.
• Extensively involved in Agile-Scrum projects, part of running scrum-boards, maintaining backlogs, grooming user stories (BDD based), and organizing sprints.
• Responsible for ensuring accuracy, efficiency and timely flow of trade data between Loan IQ and Trade Settlement platforms as per LSTA guidelines.
• 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%.
• Interacted extensively with customers and UI designers to determine ways to improve the UI feel and the user experiences. Documented the gathered business requirements into detailed Business Requirement Documents (BRDs) for BASEL II and its Addendum.
• Provide detailed data mapping between Loan IQ and other core applications.
• 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.
• Worked on custom reports and deployed them on server using SQL Server Reporting Services (SSRS).
• Compare current reports against new LOS functionality to identify reports that can be retired due to new system integrated workflow processes.
• Generated Use Case diagrams, Sequence diagrams, Business Objects, Domain Object Model, and Visio to depict process flows and PowerPoint presentations.
• Performed complex SQL queries for retrieving data from the database, generating ad-hoc reports, and conducting data validation testing.
• Responsible for requesting and recording fee and cost data from various attorneys as it relates to Loan Modifications, Foreclosure Payoffs, Debt Calculations, and Reinstatements.
• Evaluated credit decisions for accuracy based upon established risk parameters and in accordance with policy, program and product guidelines.
• Worked Closely with Agile team and had a good experience in tracking user stories through Agile accelerator.
• Involved in building data lineage in IBM Infosphere IGC for data comparison across source system, MDM, Enterprise data platform, Reference Data Store, Data Lake and AML engine.
• Extensive use of Rally, ALM, TFS and MSVisio and MSExcel for creating user stories and solution design documents document. Participating in Daily Scrum and Sprint Planning.
• Facilitating straight through processing of trades between Loan IQ & ClearPar/LSM
• Modelled fair value of equity derivatives including index futures, index futures, synthetic futures, interest rate futures, in markets such as EFP and electronic program trading markets.
• 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 - Des Moines, IA

Business Analyst

Responsibilities:

• Served as a Senior Analyst in the successful transition from Brokerage DDA to AWM DDA origination platform.
• Worked on Confluence, Demand Deposit Account (DDA), RLS, ARR and FAP applications; this included coordination across multiple in-house teams, vendor team, and the department for application analysis and design documentation and review.
• Worked on conversion of word documents into Confluence product involved in import and manual rewrite of the documents to be submitted into Confluence.
• Reviewed secured documents on SharePoint and verified documents, folders and PowerPoint presentations for customer personal identification (CPI).
• Analysed business workflow and system needs for conversions and migrations; assisted in data mapping.
• Defined and developed test plan documentation to support system validation and/or user acceptance testing.
• Carried out database validation by running SQL statements to validate data in the source and destination databases.
• Discussed and Defined Scope of the Usability changes of the current Deposit Application with the Line of Business as part of Change Management.
• Prepared Process Flows for AS-IS and TO-BE processes of the Online Credit Card application, as well as started creating BRD and writing all the requirements into the BRD as and when they were locked.
• Created Mapping documents of all in-scope Credit Card products and their respective product Features and Options, as well as a mapping document with various entry points of both Credit Card and Deposit Account and their respective fields on the online application.
• Involved in conducting Functional, Performance, Regression and UAT Tests.
• Prepared a list of Action Items and assigned owners to each Action Item, along with a deadline in which each owner had to come-up with a reply. In addition, followed-up with the respective owner through email about particular open questions.
• Worked with the application developers to create test strategy to implement various phases of testing like Performance, Integration, Unit and User acceptance testing.
• Coordination and delivery of communications across internal and external audiences and create BA artefacts like use cases, activity diagram, sequence diagrams, data models and ER diagrams.
• Worked on reviewing Business Requirements for accuracy and attended User Group meetings to address any problem areas.
• Developed, maintained and distributed files and reports used in the forecasting process: Rate, Deposit and Balance Trend Reports, Savings and DDA Migration reports, Internet Account Activity Statistical reports, FDIC Balance reports and Pricing files
• Involved in preparing the user documentation and helping the users in UAT.
• Understanding of daily transactions including deposit account (DA), loan process and FAP applications; this includes coordination across multiple in-house teams, and the department for application analysis and design documentation and review.
• Worked in software engineering methodologies or SDLC like Agile and Waterfall methodologies.
• Used JIRA for planning and tracking the portfolios, stories, roadmaps, themes, ideas, defects, tasks, tests and issues.
• Performed Data mapping, logical data modeling, created class diagrams and ER diagrams and used SQL queries to filter data.
• Extensively Worked on CIF, DDA/CASA and TD accounts.
• Worked with the Product Management team in order to ensure effective scope management and resource planning.
• Used Agile methodology and utilized Software Development Life Cycle (SDLC) to configure and develop process, standards procedures.
• Designed and reviewed various documents including the Software Requirement Specifications (SRS), Business requirements document (BRD), Use Case Specifications, Functional Specifications (FSD), Systems Design Specification (SDS), Requirement Traceability Matrix (RTM) and testing documents.
• Involved in conducting release planning in Agile environment & coordinated releases with development team & software quality assurance team for timely delivery.
• Coordinating efforts across internal organizational units and primary vendors to integrate overall business process workflows to gain operational efficiencies and provide highest level customer service possible.
• Reviewed, analysed, and evaluated business processes and associated IT application requirements for SharePoint and develop and execute test strategies, plans, scenarios, and tracks resolution to identified defects.

Confidential - Tempe, AZ

Business Analyst

Responsibilities:

• Worked as a Business Analyst in requirements gathering and development, in Financial Operations and Technology, Treasury, Front-office trading, clearing, product control, with emphasis on financial services, risk, capital markets, investment management and asset management domain.
• Worked on large scale change initiatives across multiple functional areas.
• Shared best practices to leverage experiences for strengthening processes across sites.
• Act as a liaison on BI initiatives between business and technology partners and the MIS reporting team.
• Involved in developing and maintaining Business Objects universes to ease the task of developing reports for the MIS reporting team.
• Involved in design and operating effectiveness of controls for business and Information Technology purposes.
• Ensured security features were designed for SWIFT transfers and online payments transfer.
• Involved in loan life cycle, loan origination, loan data, customer data, loan servicing.
• Worked along the test lead and subject matter expert for all Image related projects and changes involving check transformation to ACH electronic payments.
• Performing diagnostic assessments and evaluation of financial processes for clients in the insurance, banking and diversified financial service, Cash management, Wealth Management, and retirement processes.
• Supported Reconciliations, Investigations, Loans, Money Market, Foreign Exchange, Letters of Credit, Cash Concentration, Foreign Currency and Money Transfer (FEDWIRE, CHIPS, SWIFT, CHAPS, SEPA) Departments as liaise between business sponsors, departments, IT and vendors.
• Generated Reports and System Interface requirements to identify the reports and extractions that are generated by the businesses daily EOD and STP's to downstream systems.
• Worked on the implementation of first instance ISO 20022 PAIN 001.001.02 Credit Transfer Transaction standards
• Worked closely with project manager to market risk, credit risk and liquidity risk analysis.
• Analysed and documented existing process flows to capture essential elements of securities trading.
• Ensured security features were designed for SWIFT transfers and online payments transfer.
• Involved in weekly execution summary progress reports for the VP/Execs summarizing all the projects in execution.
• Contacted SWIFT customers to guide them through the set-up of online profiles.
• Provided industry best standards for pricing, start-up and transition cost, and service-level agreement.
• Worked with the developers to fix / approve the Bugs initiated by Quality Assurance team in Bug Life Cycle.
• Involved in research to determine current market pricing in various product categories.
• Worked on the development of pricing templates and pricing models specific to Financial Agent Selection Process.
• Involved in creating customized dashboards for teams in Jira.
• Coordinating and tracking all projects for releases using Project Management System JIRA.
• Worked on multiple aspects of account management, including answering client inquiries, examining portfolios, making recommendations, and acting as primary contact.
• Worked extensively in Global finance and banking application in the areas of compliance and regulatory reporting and trading platform enhancement.
• Responsible and accountable for the coordinated management of multiple related projects directed toward strategic business and other organizational objectives.
• Worked extensively with Microsoft Excel (Macros, VLOOKUPS, and Pivot Tables). Proficient Microsoft Word, PowerPoint, Access.
• Moved the Commercial Team from a MS Excel based pipeline sales report to a Customer Relation Management System and administer the process with the team on a weekly schedule.
• Good knowledge of MS Office tools like Excel, Power Point, and Word and SharePoint.
• Involved in designing mock-up User Interfaces and Wireframes to communicate visual data flow to the end users with the help of iRise and MS Visio.
• Business Requirements Gathering, Business Process Flow, Business Process Modelling and Business Analysis.
• Analysing existing information system process flows to ensure accurate aggregation of financial data from multiple systems for consolidated financial reporting.
• Involved in documenting enterprise risks and key controls through detailed process flow maps and narratives including business continuity plan.
• Developed various UML Diagrams such as Timing diagrams, business flow diagrams, Activity diagrams and Sequence diagrams using MS Visio so that developers and other stakeholders can understand the business process.
• Involved in migration of various objects like, stored procedures, tables, views from various data source to SQL Server.
• Involved in conducting comprehensive business risk assessments and risk profiling for various process and operations of clients.
• Involved in testing operating effectiveness of the controls over financial reporting and UAT.
• Involved in writing SQL queries to help user with User testing.
• Coordinated End to End Testing activity and UAT.

Confidential, Charlotte, NC

Business Analyst

Responsibilities:

• Worked with the business users and with different levels of management to identify requirements, use cases and to develop functional specifications.
• Worked on their eBanking Module. eBanking is primarily the process of enabling clients operate his/her account Completely Online (Without having to reach for a branch).
• This module included Online Bill Payments, Transfers, Online Bank Statements & Check Images, eMail & Wireless Alerts.
• Wrote and maintained Business Requirements DocumentsBRDsand Functional Requirements DocumentsFRDsdefining new systems operations for the Online Banking project using Rational Requisite Pro.
• Preparation of functional scope for the Term deposits & Interface, Review of functional scope for other retail banking modules and Review of test scenarios for retail banking modules.
• Review Commercial loan documentation to ensure enhancements are meeting the proper audit standards.
• Wrote Test Cases in MS Excel for user registration, access to training material, and activity log-in, reviewed the test cases and finalized. Responsible for defining and designing commercial lending loan approval process which resulted in data collection and analysis compliance
• Developed UML Use-Cases and Use-Case diagrams after accessing the status and scope of the project and understanding the business processes using Rational Rose. Facilitated Joint Requirement Planning (JRP) sessions with SME’s in understanding the Requirements pertaining to Loan Origination to Loan Processing.
• Integrated Requisite Pro with Rational Rose to provide all teams visibility and maintain traceability among requirements, use cases and change requests.
• Perform in-depth sourcedataanalysis and source-to-target gap analysis. Document the source-to-targetdatamappings for ETL design.
• 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.
• Created use case diagram, Process Flow Diagram (PFD), Data Flow Diagrams (DFD), various different type of wireframes Setup meetings with Quality Analyst and Development teams to clarify questions on the BRD
• Worked closely with Relationship Pricing Manager on price zone adjustments and special projects
• Reviewed and revised the Deposit and Cash Policy Manuals under the Reengineered set-up.
• Maintained and supported systems for data warehouse and business intelligence (BI) initiatives, including software, servers, and networks.
• Created documentation standards for Business Requirements, Change Request Specifications, Gap Analysis and Quality Control/User Acceptance Testing.
• Analyzing and implementing fees for the accounts in the Demand Deposit accounts and Savings deposit accounts for the related initiatives.
• Created SQL Server data sets used in the generation of business Excel reporting needs.
• Extensively used ETL methodology for supporting data extraction, transformations and loading processing, in a corporate wide ETL Solution using Informatica.
• Authored Data Flow diagrams, Sequence diagrams and Business models
• Created requirements analysis and design phase artifacts using Requisite Pro, activity diagrams and Sequential diagrams.
• Created use-case scenarios and storyboards in MS Word and MS PowerPoint for better visualization of the application and managed them using Rational Requisite Pro.
• Performed data modeling, functional modeling, functional requirements, and data conversion on the Redevelopment Project.
• Testing and writing SQL and PL/SQL statements.
• Used MS Visio for Process modeling, Process mapping and Business Process flow diagrams.
• Wrote Test Plans in MS Word for Manual Testing, System Testing, Integration Testing, Performance Testing, Regression Testing & reviewed their consistency with the business requirements.
• Coordinated activities with project manager and various other teams using MS Project.
• Supported User Acceptance testing (UAT) and collaborated with the QA team to develop test plans, test scenarios, test cases and test data to be used in testing, based on business requirements, technical specifications and/or product knowledge. Planned and defined system requirements to Wire Frame with Use Case, Use Case Scenario and Use Case Narrative using the UML (Unified Modeling Language) methodologies.
• Participated in the development and preparation of the Test Plan using HP ALM with the testing team as well as ensuring testability, reliability, usability, maintainability and performance of the application.
• Interacting with the developers to report and correct bugs.
• Prepared detailed reports of the Bugs, Pass-Fail report, Comparison Chart.

Confidential - Township of Warren, NJ

Business Analyst

Responsibilities:

• Maintained knowledge of developments in the area of anti-money laundering, including FINCEN and OCC requirements relating to BSA AML and the USA PATRIOT Act.
• Involved in the SDLC phase of requirement analysis, design, and development of the intranet- based application.
• Analyzed different source systems (AMLN, Loan IQ, ACBS, Credit Cards - Target, Maestro, Shaw) and identified the reporting data elements required to report to Dodd Frank and Call Reports.
• Designed and analyzed Business Process Modeling, Use Case model and test procedures based on agile methodology.
• Generated and delivered reference data, fixed income, equity and derivatives extracts to BHC.
• Worked as the first level reviewer in making initial investigation decisions on corresponding banking BSA cases as well as determining the specific information needed to manage the investigation
• Defining Software Development Lifecycle (SDLC) and planning the entire process using MS Project.
• Validated and taking Finance Requirements ownership of UPOP merchant billing and statement capability where revenue from credit card transactions were recognised as revenue in the Oracle GL P&L accounts.
• Well versed with Software Development Life Cycle (SDLC) Methodologies which include Waterfall, Agile SCRUM and RUP.
• Captured CCAR business requirements based on FRB guidelines for CCAR Quarterly and Monthly reporting - Credit Cards and Auto Loans schedules
• Informed debtors of their payment status and timelines for repayment
• Reviewed swap confirmations covering all OTC products such as total return swaps, equity options, structured equity products, convertible bond options, credit defaults, rates and fixed income products
• Monitored transactions in the AML and OFAC screening queues in GIFTS.
• Identified and managed project risk by creating an open forum where both developers and business users could participate equally in the continuous improvement of trading and portfolio management technology.
• Agile Scrum SDLC methodology was followed.
• Conducted initial reviews of new foreign correspondent banks (FCBs) and foreign non-bank financial institutions.
• Also involved in Developing Datasets, Dataflows, Cards for Data visualization in DOMO.
• In depth knowledge of SDLC Phases which includes Planning, Analysis/Design, Development, and Testing etc. for the software/system development process.
• Performed user acceptance testing (UAT) to validate user requirements and expectation.
• Composed and assimilated data from SQL Server, MS Access and Excel to create data sets.