SUMMARY:

• She has a business and finance background with having Masters Degrees in Information systems and Business Management. While working with Wolters Kluwer Financial Services, Vaibhavi has enhanced her knowledge in a strong functional expertise on regulatory reporting, banking and financial products. She is always very detail oriented and eager to take any opportunity to expand her knowledge. This way she has also picked up a lot of technical skills. Vaibhavi is a self - learner and a good team player. She is very focued on to reach her goals with a positive attitude.
• Analyse and provide data requirements based on the project scope
• Load data files from the client’s ultimate source system to WKFS solution
• Define project requirements, translate them into functional specifications, implement and test our solutions
• Have a good experience in a banking environment in financial risk management and CCAR and Liquidity Regulatory reporting - 14M/Q/2052A
• Monitored CCAR regulatory reporting to ensure that stress instructions, quality assurance activities, and FR Y-14 reporting schedules were being coordinated and submitted in a timely manner
• Loaded data through Maestro business rule creation and Direct allocation approach
• Review and identify bank processes procedures that may be impacted by implementation of new data architecture necessary to exceed CCAR data testing benchmarks.
• Sound understanding of Object Oriented Analysis and Design OOAD and proficient in documentation of as-is and To-be business processes.
• Knowledge of Basel II/III, CCAR, DFAST, PPNR, ALLL, AML, KYC, Credit Risk/Market Risk/Liquidity Risk Modelling and Management, PD/LGD/EAD modelling, Quantitative Approaches including General Linear Regression (GLM), Time Series Analysis (ARIMA/ARCH/GARCH), Decision Tress, Classification and Cluster Analysis, Principal Component Analysis(PCA), Monte Carol Simulation, and Vector Auto Regression (VAR).
• Worked on CCAR Credit Risk Model validation of retail and commercial portfolio for the Bank's Business lines. Complete model validation - Input data, Methodology, Code implementation, Statistical Test, back testing and reporting.
• Monitored CCAR regulatory reporting to ensure that stress instructions, quality assurance activities, and FR Y-14 reporting schedules were being coordinated and submitted in a timely manner.
• 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.
• Designed FR Y-14A reporting data models. Undertook gap analysis on current data model against CCAR requirements (for new regulatory reporting database).
• Used Data upload tool for top down and bottom approaches
• Performed data analysis activities on banks’ raw data for converting them into appropriate format to load into our provided solution
• Collaborated with Technical Consultants during product development
• Creating functional test scenarios and scenario based test data
• Testing the reports from a functional point of view
• Creating detailed end user documentations

TECHNICAL SKILLS:

• SQL
• Data Warehousing
• ETL mapping
• Microsoft SQL Server
• SQL Server Integration Services
• SQL Server Management Services
• Windows Server
• OS Windows Mac OS, Unix
• MS Access
• Languages SQL, Java, J2EE, C, C++, C#,
• Modeling UML, MS Visio, Erwin
• ALM - Application Lifecycle Management, QualityCenter, JIRA, QTP, LoadRunner, ClearQuest
• BI Tools Business Objects, Crystal Reports, Datastage
• Documenting functional and non functional requirements (BRD/FRD/FRS/TRS/SDD)
• Regulatory Framework: CCAR, BASEL
• MS Office, MS Project, MS OneNote, MS SharePoint, RALLY, Wiki, Confluence
• Performance Tuning

PROFESSIONAL EXPERIENCE:

Confidential - Cleveland, Ohio

Sr. Business Analyst

Responsibilities:

• Worked as a member of Credit Analytics Team to develop the model for CCAR submission for a financial Institution
• Worked on a Risk Management System, which supplies users with end-of-day speeds as well as credit and market risk information
• Build and maintain CCAR (Comprehensive Capital Analysis & Review) operating rhythm and governance framework. Liaise with FR Y-14 template owners to ensure compliance with instructions and report timing
• Interacting with the business users to gather requirements based on the CCAR Regulation for Financial Statements, FRY9C and Investment Securities
• Construct and developed the SharePoint Site for each CCAR cycle which is utilized for CCAR communication, storage of key CCAR files including business models, and automatic audit trail that is sent to internal audit team
• Establish cross-functional reconciliation framework for tie points between FR-Y9C and FR-Y14 reporting data templates
• Utilized corporation developed Agile SDLC methodology. Used Scrum Work Pro and Microsoft Office software to perform required job functions.
• Extracted data from Oracle database with MS Access, and performed SQL query, data analysis and verification.
• Performed analysis of approaches as well as to assist in investigation, escalation and resolution of the data issues

Confidential -San Ramon, CA

Business Analyst

Responsibilities:

• Formulates and defines large project/system scope and objectives, develops detailed systems specifications from which programs will be written and that fit with the Banks system architecture standards
• Evaluates existing systems and procedures to identify deficiencies and makes recommendations to maintain more effective data handling, conversion, input/output requirements, and storage
• Analyses, develops and revises existing system logic difficulties and documentation as necessary and works on all phases of applications systems analysis activities
• Conducts feasibility studies, including fiscal evaluations of proposed and existing systems, and recommends new or enhanced applications software to meet business needs
• Develops test plans, test conditions, and scripts using highly complex concepts of business knowledge
• Monthly monitoring and forecast of Credit card portfolio for delinquency, charge-off and other Key performance Indicators
• Performed data analysis, data reconciliation and data retrieval from various systems along with identification of data gaps and data quality issues for Basel II Credit Risk Mitigation System (CRMT)
• Overlapping waterfall model was used for requirements gathering
• Once Scope is approved, Draft SRS master document was prepared and detailed business requirements were captured
• Implemented business processes and related company policies under BASEL III standard compliance
• Prepared Test Plans, Formulated test strategies for conducting quality assurance tests on the SDR systems as part of Title VII of Dodd Frank Regulatory reporting requirements in conformance with Part-43 and Part46 reporting by end users
• Establish documentation for agile methodology for implementation with a very water-fall-centric development team

Confidential, New York, NY

Business Analyst

Responsibilities:

• Proactively prepared RASCI Charts and Cross-Functional Flowcharts using MS Excel 2003 and MS VISIO 2003 respectively.
• Instrumental in discussing the Billing generation logic and implementation with Dev and Business to successfully test the Billing Module to realize revenue from Clients participating in Real-time reporting as part of their Dodd-Frank reporting Obligations.
• Used Agile Software Development process viz. Scrum, as this was a time bound project.
• Responsible for business analysis of customizing the BPS Risk Management product with involvement through the whole SDLC
• Authored Business Requirements Document BRD with project teams. Extracted, discussed, and refined business requirements from business users and SME’s.
• Experience in business domains like BASEL II, Loan Loss Reserves and CCAR as Business Analyst and Quality Assurance Analyst.
• Interacting with the business users to gather requirements based on the CCAR Regulation for Financial Statements, Interest Rate, Credit Ratings, FRY9C and Investment Securities.
• Prepared Use cases and Activity flow diagrams and Work flow diagrams, considering the scope of the project with MS VISIO 2003.
• Created a new risk and regulatory reporting system to deliver accurate and timely reports through a central data warehouse and Axiom's Regulatory Reporting System
• Conducted status report meetings with the business and the IT team on a weekly basis, as the most important aspect of the project was Data Mapping.
• Exposed to SQL queries while churning out relevant information from company’s database.
• Assisted in system and user acceptance testing (UAT), free-trial demos, performed client presentations.
• Submitted change requests and worked with change request records in Clear Quest.

Confidential, Randolph, NJ

Business Analyst

Responsibilities:

• Worked with the business community to define business requirements and analyse the possible technical solutions
• Requirement gathering, Business Process flow, Business Process Modelling and Business Analysis
• Worked with the Business community, Tech Lead and 3rd party vendors in gathering their requirements and data transaction information related to OLTP, OLAP and ASP
• Gathered requirements from the business and wrote use cases for development of customer facing order entry tool 'Axiom
• Completed the business requirement documents (BRD) to establish the economic capital calculation processes.
• Assisted in requirement verification and validation during various phases of Software Development Life Cycle (SDLC)
• Worked with business sponsors to elicit business/functional requirements and generated use cases in accordance with Agile Best Practices
• Assisted in User Acceptance Test (UAT), analysed and reconciled the outcomes from loss estimation, and coordinated with stakeholders to identify potential issues and provide recommendations and solutions to remove problems and improve performance
• Design and develop the data load process using Informatica Power enter and XML Style sheets
• Run the SQL queries using TOAD and SQL Navigator. Wrote SQL statements to extract data from the Tables
• Helped with ETL Data Mapping between the data mart and the Source Systems
• Developed and implemented processes and tools for requirements gathering, analysis, planning, tracking and delivery using Rational Rose requisite pro - RUP
• Performed Gap Analysis for new functionality requirements, as well as prioritized them based on actual business needs so as to align them with the product release roadmap
• Designed and developed Use Cases and UML models using Microsoft Visio