Professional Summary:

Confidential is an accomplished business analyst / Architect around 10 years of experience in payments banking and financial business. Business domain expertise includes Payments, billing and disbursements. 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. Strong experience of payments processors such as Credit Card processor First Data, Originator Financial Institutions ODFI , VISA, MASTERCARD,AMEX and DISCOVER networks. Familiar with European Payment processing formats, Santander Partenon architecture. Familiar with Visa/Master Card/Amex /Discover network, Debit networks INTERLINK, STAR, CIRRUS, PULSE FED ,ACH operator network FED and ACH/FED regulations and operating rules. Strong system knowledge of automated ACH processing application Paperless Entry Processing PEP developed by Fiserv and Merchant services, PCI Compliance, ACH Compliance and risk exposure limits. Strong technical background of IBM Mainframes technologies such as COBOL, JCL, VSAM CICS and DB2.

Functional Areas:

EFT ACH Payments, FED processing, Check free / Fiserv PEP processing, Credit Cards, Issuer / Acquirer process, PCI Compliance, Visa / MasterCard network processing, Debit networks INTERLINK, STAR, CIRRUS, PULSE FED NACHA operating rules/guidelines, billing and remittance processing, health care payments, consumer corporate payments, Account Payable, Travel Expense, 3rd party payments Check Free / Western Union etc. and First Data Vision Plus FDR application.

Technical Skills

• Programing Knowledge: COBOL,JCL, VSAM and CICS
• Databases / DB Tools: SQL, Excel, Excel DB, Oracle and DB2
• Methodologies: Waterfall, Agile UML Object Oriented, RUP methodologies
• Operating Systems: Windows XP, Windows 8, OS/390 and UNIX.
• Testing Tools: Mercury Quality Center, HP Service Manager and JIRA and Rally
• Third Party Payments Systems: Fiserv PEP , First Data Vision Plus FDR , Third Party Payments and Check Free
• Others: MS Office, PowerPoint, MS Visio, MS Project, Excel, Lotus Notes, Primavera and share Point.

PROFESSIONAL EXPERIENCE

Business Analyst / Architect

Confidential

• Acted as a liaison between the business lines and the technical areas throughout the project cycle.
• Provided leadership across IT, Operations and the business line driving end-to-end design for feature sets.
• Provided subject matter expertise on business systems and technology along with industry standard requirements to help influence business requirements in order to effectively utilize systems and applications.
• Dissected high level business requirements into end-to-end application and data component based design specifications.
• Analyzed user requirements, procedures, and problems to identify reuse opportunities of existing application components and data elements, system interdependencies, possible gaps, and risks.
• Evaluated design alternatives with cost and benefits analysis.
• Partnered with the technical areas in the research and resolution of system and process problems.
• Identified system enhancements, determines development impact to current system processing. Works with software engineers, programmers and users to ensure accuracy of enhancements.
• Reviewed operational procedures and methods and recommended changes for improvements.

Environment: Mainframe, credit networks, debit networks, disputes, merchant services, processor services, PEGA Smart Disputes, authorization, settlement, merchant boarding.

Confidential

Responsibilities:

• Creating and modifying procedures required to process claims Auto/Fire/Life/Health and life payments.
• Providing knowledge required for the claim handlers, claim zone liaison to process claim payments.
• Researching payments, processing reversals, ensuring state farm meets NACHA compliance.
• Coordinating with internal and external vendors for system stability and while applying service packs to the system.
• Ensuring state farm payments meets NACHA guidelines/operating rules and compliance.
• Creating and upgrading payment processing procedures time to time for bank operations.
• Coordinating with offsite technical teams during production issues.
• Meeting SLA's by resolving issues within the timeframes.
• Communicating with higher management and advising impact during system downtime.

Confidential

• Responsible for end to end support for state farm enterprise credit cards product: Visa, MasterCard, Amex and Discover .
• Developed functional requirements, conducted JAD sessions and conducted meetings with various business partners within organization.
• Developed procedures required to run day-to-day business operations.
• Interacted with Credit Card processor First Data Inc and acquirer for processing refunds, voids, chargebacks and reversal transactions.
• Monitoring credit card application and reporting to high level management about possible risk and ensured compliance.
• Providing recommendations and helping in resolving errors and reconciling daily bank control of State Farm payment centers and treasury services.

Environment: Mainframe, EDI 835/820 formats, Electronic Remittance Advise ERA , clearing house, NACHA formats, FED network and Fiserv PEP processing

Confidential

Business Systems Analyst

• Prepared functional documents for functional changes. Worked with internal and external users within VW Credit.
• Working with different business users within VW Credit Internal and external to resolve issues.
• Interacting with various business units and technical teams to translate functional requirements into system level specifications.
• Working with third party vendor products like Title release, Vehicle Identification VIN generation, online auction Open lane and print vendors etc to resolve issues.
• Providing recommendations, conducting knowledge sharing sessions and updating status reports.
• Providing permanent solutions for the issues raised by users through HP service manager.
• Identified various interfaces and prepared data mapping documents. Worked on various data formats for data coming from different external sources. Manipulating, cleansing processing data using Excel, Access and SQL.
• Used MS-Word, PowerPoint, excel and vision extensively to develop documentation and flow diagrams.

Environment: Business analysis, requirement gathering, functional requirements, gap analysis, Mercury Quality Center and MS Office Suite

Confidential

Business Systems Analyst

Responsibilities

• Participated in gathering requirements involving stakeholders within State street bank treasury department like business users and subject matter experts.
• Worked on a team environment to finalize use cases to develop functional and detail design specifications of the application.
• Developed data flow diagrams, illustrating the flow of data from the Legacy systems into the Application database Tables, along with checkpoints for testing verification.
• Worked with various file formats, feed originating from external sources into a large data ware housing system.
• Participated in JAD sessions for requirement, feasibility and risk analysis with various stakeholders, including designers, developers, QA and management to identify critical and high risk areas of the application.
• Collaborated with the QA team in reviewing and validating test plans and test cases, ensuring that the final application catered to the user requirements.
• Developed a user acceptance test plan and test case scenarios to guide a select group of key end-users in testing the user interface and functionality of the application.
• Performed requirement walkthroughs with the development and QA teams with the aim to develop testing strategies and test plans such that test cases reflect user needs.
• Worked extensively with MS office suite for preparing status reports. Very proficient in SQL, TOAD, SQL navigator, MS Excel and MS office tools.

Environment: ETL Data Stage, IBM Mainframe, Or SQL, JIRA, SharePoint, SQL Navigator, Toad and MS-Office Suite

Confidential

Business Systems Analyst/ Data Analys

• Participated in understanding existing Sovereign's ACH processing system, daily PEP payment processing and analysis of PEP reports, payment distribution, daily reconciliation and balancing.
• Familiar with NACHA, EDI 820 and BAI file processing and their file formats. Also familiar FED ACH file processing for ACH returns, exception handling and NOC processing timelines.
• Wrote transformation rules, verified data through various data profiling techniques to cleanse data that can be used during reporting.
• Creating, reviewing functional requirement documents, use cases, issue logs, project status documents, scope change documents, mapping specifications.
• Interacted with business users, conducting meetings, interviews with different product vendors.
• Updating status documents with managers, escalating issues to high level management.
• Participated in data analysis process, designed and created data mapping documents.
• Prepared functional requirement documentation for ACH account analysis AA -pricing and billing, customer statements and customer communication functionalities.
• Developed workflow diagrams, flow charts and Data Flow diagrams using MS Visio.
• Participated in documenting testing requirements and testing checkpoints. Participated in pre-testing phase to ensure if the end y to end testing is covered.
• Developed use cases, workflow, screen mock-ups, and conversion requirements.
• Used extensively MS office tools like Word, Excel, Visio, Power Point and project management tools.

Environment: IBM Mainframes, Z/OS, Share Point, Remedy ticket tracking tool, Fiserv Check processing PEP , ACH Processing, EDI 820 /ANSI X12 formats, NACHA formats, MS-Office Suite, Abinitio ETL tool etc

Confidential

Business Systems Analyst/Data Analyst

Responsible for following

• Participated in gathering requirements for the integration of various credit cards functionalities like account boarding, payment processing, collections and write-off.
• Worked with different stake holders within the bank like bank user teams, architecture team, development team and internal / external customers to resolve issues.
• Facilitated and lead in house application development team meetings as needed. Managed and administered corporate Microsoft Office SharePoint Application
• Designed interfaces and Coexistences for application systems to support during the transition phase.
• Used the UML Visio for structuring / modeling the business flow. Used MS Office extensively Word, Excel, Visio, Power Point, Outlook, Project for analysis, presentation and documentation throughout the project.
• Performed the user acceptance test UAT and prepared test cases based on Business requirements required documentation.
• Participated in publishing daily dashboard to business users and higher level management.
• Leading daily status calls and coordinating between technical team and business users to provide quick business solutions.
• Interacted with onsite offshore team to understand project status and resolving issues.
• Familiar with working on Master Visa card processing regulations, chargeback processing, and settlement and clearing process.

Environment: Business analysis, requirement gathering, First Data Vision Plus, Visa/Master Card network, Merchant Services, Issuer Services, Mainframes, OS/390, Vision Plus First Data Credit Cards Application , SQL, Lotus Notes, HP Quality Center,

Confidential

Business Systems Analyst

• Upgrading existing Credit Cards VisionPlus application by incorporating new functional changes introduced by MasterCard Visa network.
• Working various 3rd party vendor applications like Experian, Falcon and Triad to assess the risk and fault management.
• Worked with various stake holders like business users, technical development teams, vendors during requirement gathering and functional requirement development.
• Participated in performing quality testing and assisted users during user acceptance testing. Prepared testing scripts and captured test results.
• Used testing tool HP quality Center to resolve defects raised during the implementation time.
• Used Share Point to communicate between development, users and testing teams. Maintained all documentation versions using Share Point application.
• Used MS office suite Word, Power point, Excel and Visio extensively during documentation and presentation of deliverables.

Confidential

Associate Consultant

• Participating in client workshops where queries with the client were addressed.
• Preparing and updating the Use Cases based on the client requests.
• Participated in integration and regression testing of the software modules. Prioritizing the defects in order of criticality and working with the developers to fix them.
• Acted as a liaison between technical and not-technical business partners within the organization.
• Used First Data credit card product Vision Plus modules CMS, TRAMS and ITS to customize GE Money business needs. Worked extensively on Credit Card functionalities
• Regularly interacted with other business Analysts product owners to understand and satisfy business needs.

Environment: Business analysis, requirement gathering, defect tracking, HP Service Manager, Mainframe, Use Case diagrams, Remedy, Clarity, Lotus Notes, SQL, UML, MS Office Suite Word, Excel, Power Point and Visio