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Sr. Business Analyst Resume

Glen Allen, VA

SUMMARY

  • 8 + years of Professional Experience in the field of Finance, Banking and Mortgage.
  • Good Knowledge & experience ofMortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and Title functionalities.
  • Experience in 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).
  • Solid understanding and knowledge of Equities, Derivatives (Futures, Options, Forwards, Swaps), and Regulatory Reporting and Risk Analysis.
  • Proficient in the implementation of a management framework to ensure corporate functions are in compliance with the Federal Reserve's Comprehensive Capital Analysis Review (CCAR) regulatory requirements.
  • Strong 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 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.
  • Knowledge ofMortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and Title functionalities.
  • Experience in development methodologies like RUP, SDLC, AGILE, SCRUM and Waterfall.
  • Experience in working with Business Analysis, Processes, Data Mapping, Flow Diagrams and BRDs.
  • Excellent practical exposure in supporting the design and testing IT applications related to Mortgage Loan Origination & Fulfillment, Mortgage Backed Securities (MBS) & Collateral Mortgage Obligations, Mortgage Servicing Rights(MSR), Foreclosure & Default Servicing, Capital Markets & Fixed Income Derivatives, Treasury Management, Corporate Finance, Core Financial Banking,, Escrow Accounts, ACH & Wire Payments, Credit Risk Management, Asset Liability Management and Data Warehouse & Reporting Services.
  • Excellent understanding of Banking solutions with various end to end integration environments of IFX/SWIFT/SFMS in STP & non-STP formats
  • Experience in 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.
  • Solid understanding of Business Requirements Gathering, Evaluating Data Sources, Translating Requirements into Specifications, Application Design.
  • High experienced with differentmortgage instrumentslikeMortgage Backed Securities MBS, Collateralized Mortgage Obligations CMO, Asset Backed Securities ABS,including the tranche structuring and credit enhancement processes to manageprepaymentandcredit risk. Knowledge and understanding ofthe functions of mortgage agencies like Ginnie Mae, Fannie Mae and Freddie Mac.
  • Experience working in projects including Credit cards/Gift cards test, Enterprise Payment Foundation, IWM.
  • Expertise in diverse retail banking sectors including lending, deposits, payments, cards, trade finance, treasury, KYC, AML, payment system.
  • Good Knowledge in Cards Payment processing and Retail Banking operations like Customer Relationship Management (CRM) and Enterprise Teller (ET).
  • Expertise infinancial analysissuch ascost analysis, NPV, IRR, and ROIas well asrisk analysis.
  • Knowledge ofMortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and functionalities.
  • 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.
  • 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.
  • Highly Experienced in Microsoft Office Suite including MS Visio, Excel, PowerPoint, Word and Outlook.
  • Knowledge in the different banking systems, financial modeling, financialstatementanalysis, operations and the guiding compliance and regulations that support finance and/or core banking functions.
  • Good knowledge of different financial services includes commercial banking, middle-market lending, asset-based lending, leasing, cash management and trade finance.
  • Extensive experience in conducting Market Research, Feasibility Studies, Data Analyses, Data Mapping Gap Analyses, Risk Identification, Risk Assessment, Risks Analyses, and Risk management.
  • Extensive experience in Gap analysis to compare As Is with To Be business processes and offered solutions.
  • Experienced in troubleshooting and performance tuning of reports and resolving issues within Power BI and Tableau
  • Experienced with QA Team in defining the Test Plans, Test Cases and test execution.
  • 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.
  • Expertise in developing QA Test Plan, Test Conditions, and Test Cases ensuring testing of software.

PROFESSIONAL EXPERIENCE

Confidential, Glen Allen, VA

Sr. Business analyst

Responsibilities:

  • Analyzedthe existing system andBusiness Process Flowby understanding preset business rules and conditions.
  • Transformed business requirements into Functional Requirement Document(FRD).
  • Facilitated and managed the meeting, interviews and Joint Requirement PlanningJRP sessionswith SMEs.
  • Conducted gap analysis and made As-is-to-be diagrams to understand new business requirements and challenges in implementing new modules.
  • Assisted the project managers inFeasibility Analysis-schedule, Technical, Economical and Operational Feasibility.
  • Conducted interviews, meetings and JAD sessions during the process of Requirement Gathering.
  • Reviewed the Joint Requirement Documents with the cross functional team to analyze the High Level Requirements.
  • Planned and documented procedures for data processing and prepared data flow diagrams for the application.
  • Conducted weekly meetings for deciding the Policies and Procedures to be followed while constructing new sites.
  • Performed the requirement analysis, impact analysis and documented the requirements using Rational Requisite.
  • Analyzed the system from Business perspectives and prepared Business Requirement Document (BRD).
  • Facilitated and managed meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
  • Assisted in creating theProject Templates for Use case specification, Change request form, functional specification documents and Business Requirement documents and Defect status form.
  • Worked actively in the preparation ofBusiness Requirement Documents, Functional Specification Documents and Change Request Documents.
  • Lead business analyst for regulatory LCR (Liquidity Coverage) and FR 2052a (Cash flow) requirement.
  • Developed project documents based onSDLC methodology-Rational Unified Process (RUP).
  • Documented functional specifications to automate the loan approval process for home Mortgage online application, workflow - for the credit department, upon approval the system routes the application to the underwriters for review
  • Involved in categorizing Mortgage Pre-payment risk, Risk Analytics, Loan Origination, Loan Servicing, Secondary Mortgage Market, Non-Escrow Loans Collateral Inspection and Monitoring, Property Inspection, Income and Expense Statement Review, and Inspection Report.
  • Support the servicing of default mortgages by validating that charges were assessed correctly per state guidelines and loan modification quotes.
  • Worked with risk management tools for mortgage loan servicing, commercial & residential mortgage.
  • Assisted in Creating new Loan and Serve application based on Life Cycle of the Loan Origination based on committee and risk approvals and reports using Microsoft Access/Excel/VBA/Dashboards.
  • Identified research, realize, investigate, analyze, define and document business processes andUse Case scenarios.
  • ConductedWorkflow and Process Diagramto derive requirements for existing systems enhancements.
  • Worked with development and testing teams to accomplish Timely Release Objectives.
  • Involved in Analyzing, manipulating and updating Database using SQL.
  • Participated in functional design sessions, creates and executes SQL test scripts.
  • Utilized JIRA to communicate constantly changing functional and design requirements with business users.
  • Implemented the solution to process both ISO messages and SWIFT payment messages.
  • Use of MS Office tools like MS Access, MS Word, MS Excel, MS PowerPoint MS Project for data migration in to the CI System Knowledge Database in Microsoft SharePoint.
  • Documented KOPs (Key Operating Procedures) for Axiom operational processes and tactical solutions used by regional finance.
  • Created DB on SQL Server, which included Tables, Schemas, Views, Accounts, Application Roles
  • Analysis and reporting for each individual regulatory reporting caption of the FRY 9C and FRY 14 Q from the Axiom reporting system.
  • Elicited requirements and created Use Cases, Use Case Diagrams and Sequence Diagrams using MS Visio
  • Analyzed the existing reports of the reporting system in the database. Checked the consistency of the data after ETL process using SQL queries.
  • Developed Use Case Diagrams,Activity Diagramsbased on Object-Oriented Design (OOD) usingRational Roseaccording to the UML methodology to define business processes.
  • Incorporated changes and implemented User Acceptance Testing to employ Quality Controls
  • Used detailed knowledge ofapplication featuresandfunctions, assessed scope and impact of business needs throughout analysis and completion of all enhancement specifications.
  • Documented the Traceability Matrix for tracing the Test Cases and requirements related to them.
  • Worked closely with QA teams to defineTest Casesand executeTest Plans.
  • Assisted withUser Acceptance Testing of Systems (UAT), developing and maintaining quality procedures, and ensuring that appropriate documentation is in place.

Confidential, Linthicum Heights, MD

Business analyst

Responsibilities:

  • Interacted with the Subject Matter Experts (SME's) and stakeholders to get a better understanding of client business processes and gathered business requirements.
  • Created and managed project templates, use case templates, requirement types and tractability matrix in Requisite.
  • In-depth interaction with Primary markets, Secondary markets and mortgage-backed securities and asset backed securities for requirement gathering.
  • Involved in gathering the requirement with the SMEs to get the maximum information about the work-stream including Mortgage Servicing, Loan Monitoring, and Asset Management.
  • 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 max reuse.
  • Worked closely with the Enterprise Data Warehouse team and Business Intelligence Architecture team to understand repository objects that support the business requirement and process.
  • Worked on ETL procedures to ensure conformity, compliance with standards and lack of redundancy, translated business rules and functionality requirements into ETL.
  • Implemented the entireAgile Methodologyof application development with its variousworkflows and activities.
  • Created cash flow models for Mortgage-Backed Securities, Whole Loans, and Structured Securities using Bloomberg.
  • The system fully supported fixed rate, ARM, GPM, GEM, interest only, deferred payment, home equity, reverse mortgage, second mortgage loan programs, etc.
  • Analyzed data and created class diagrams and ER diagrams for designing databases.
  • Planned and defined Use Cases created Use Case diagrams, Scenarios and Use Case Narratives using the UML.
  • Comprehensive experience in writing Test Plans, Test Cases and Test Scripts using manual and automated testing tools from Rational and Mercury Interactive such as test Director, Win Runner.
  • Facilitated JAD sessions with management, development team, users and other stakeholders.
  • Created Use Case Diagrams, Activity Diagrams, Sequence Diagrams and ER Diagrams in MS Visio.
  • Involved in Test Planning, Test Preparation, Test Execution, Issue Resolution and Report Generation to assure that all aspects of a Project are in Compliance with the Business Requirements.
  • Authored progress and completion report which were then submitted to project management in MS project.
  • Identified various frequently used modules with in the application as well as the peak user volume for load testing.
  • Analyzed the test results from QA teams using Performance Studio Analysis to create various scenarios.
  • Developed strategies with Quality Assurance group to implement Test Cases in Test manager for UAT
  • Collaborated with Quality Assurance Analyst in Automated and Manual Black box testing.
  • Tested the system at various stages of SDLC to ensure that the requirements are met with system deliverables
  • Wrote Use Cases and developed various models like Use Case Diagrams, Activity Diagrams and State Diagrams for modules like Reports, Notifications etc.
  • Using Jira to log and track the defects to ensure all the issues and defects are prioritized, assigned, and resolved.
  • Involved in maintaining the Requirement Traceability Matrix (RTM)
  • Executed SQL queries on relational databases to create daily reports
  • Used Rational Rose for Use case modeling.
  • Work with Development and QA teams to transition business requirements into QA test cases and assist in UAT.
  • Performed extensive requirement analysis including data analysis and GAP
  • Analysis on various M&T Mainframe and Bond trading platforms

Confidential, New York, NY

Business analyst

Responsibilities:

  • Gathered business requirementsthrough interviews, surveys, and observing from account managers and UI User Interface of the existingBrokerage Portal system.
  • Acted as aliaisonbetween business users and system development team during development process.
  • Implemented a suitableChange Management processand supported the existing solution upgrade by coordinating multiple projects.
  • Gathered requirementsfrombusiness usersand analyzed them usingRational Requisite Pro.
  • Prepared and analyzedAS ISandTO BEin the existing architecture and performedGap Analysis.
  • Documentedfunctional specificationsto automate theloan approval processforhome Mortgageonline application, workflow-for the credit department, upon approval the system routes the application to the underwriters for review.
  • Worked on Single Sign Off (SSO) for Collection and Recovery Mortgage Project (Internal and External User).
  • Worked on various phases of Mortgage (Commercial Retail) front and back office and created test funds to check the working of the current applications.
  • Created Business Capability Model to present the holistic view of Commercial Lending systems to help the management plan future strategy.
  • Engaged directly with clients to provide exceptional service and ensure swift resolution of issues.
  • Worked onUse Cases,Activity Diagrams,Sequence Diagrams,Data Flow Diagrams, and Object-oriented DesignOOD usingRational Roseaccording tothe UMLmethodology.
  • Involved in testing all the data elements inMortgage Account Inquiry Service.
  • Planned and documented procedures for data processing and prepared data flow diagrams for the application.
  • Documented the Traceability Matrix for tracing the Test Cases and requirements related to them.
  • Conducted weekly meetings for deciding the Policies and Procedures to be followed while constructing new sites.
  • Performed the requirement analysis, impact analysis and documented the requirements using Rational Requisite Pro.
  • Documented the server farm requirements and requirements related to security within Share Point.
  • Rewrite, Add and Define, Rewrite existing requirements, breakout into new requirements, and create additional documentation where appropriate.
  • Designed workflows and allocated permissions within SharePoint.
  • Developeduse cases/Activity diagrams,conceptual model,behavior diagramssequence, collaboration, state chart, Activity using MS Visio.
  • Worked on mapping ofMSP Web servicestoEnterprise Interface Partnersand coordinated withFIS on MSP.
  • Sketched diagrams of proposed and existing systems usingVisio.
  • Conductedinterviews with clients for the purpose of gathering product requirements.
  • Developed and maintained the project plan usingMS Project.
  • Created aRACI matrixbased on the organization standards for ongoing operations and issue resolution procedures.
  • Gained thorough understanding of Cash Management, Liquidity Positions and Liquidity Ratios.
  • Tracked changes usingRational Clear Quest.
  • Created workflows, Activity Diagrams, generated and distributed various reports and created SQL queries for report summaries for management
  • Assisted QA lead indeveloping qualityprocedures and ensuring that appropriate documentation is in place
  • ConductedUser Acceptance Testing (UAT).
  • Participated in developing ofTraining Materialsfor the new technologyand User Training.
  • Workedeffectivelywith Project Managerin handling the whole project.
  • Worked with the Quality Assurance team to createTest PlanandTest Casesand conduct unit, integration, and system testing.

Confidential, Pittsburgh, PA

Business analyst

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.
  • Review SWIFT files on a daily basis and Processing Swift payment.
  • Assisted in the administration and review of Client Risk Scoring, Client Identification and KYC documentation oversight/management requirements.
  • 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 the 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.
  • Worked with the team preparing Investment Schedules andRegulatoryReports for month-end, quarter-end and year-end financial statements for legal entities.
  • Worked with the procedures ofBanking&RegulatoryCompliances - Anti-Money Laundering (AML), Customer Identification Program (KYC/CIP), CCARRegulatoryReporting, Dodd-Frank Act.
  • Ensure all KYC's are done in timely fashion to prepare for go live dates given by Front Office, Record the status of each KYC request sent by sales on internal spreadsheet.
  • Worked on the data model and reporting requirements with Reporting team for reports with the Data warehouse.
  • Involved in developing SQL, data wrangling, migrate disparate source data into a centralized data mart structure and processed advanced features for data mapping, data conversion.
  • Involved in the development programs for extraction, transformation and loading of data into the global repository.
  • Involved with the team coordinating Finance &RegulatoryReport Automation Project (Dodd Frank and CallReportingProcess) designed to enhance production efficiencies while decreasing operational risk by using automatedreportingapplication AXIOM SL.
  • Involved with the 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 the team preparing Investment Schedules andRegulatoryReports for month-end, quarter-end and year-end financial statements for legal entities.
  • Involved with the team performing regression testing the information or data using SQL skills, data governance and carrying data stewardship skills creating data dictionaries.
  • Performed as a Liaison between QA team and Business Units involved in the application development for better understanding of the business and IT processes.
  • Documented Test Plan, Test cases, performed functional and regression testing and Facilitated UAT

Confidential, Pittsburgh, PA

Business analyst

Responsibilities:

  • Interacted with Business and change management teams for better understanding of the requirements
  • Ensured that information obtained is consistent with BSA/AML policy
  • Confirmed that BSA/AML Policy and Procedures and satisfies regulatory requirements.
  • Assisted in the administration and review of Client Risk Scoring, Client Identification and KYC documentation
  • Verified all aspect of Client Identification Program (CIP) and necessary account opening documents are provided and in accordance with Know Your Customer (KYC) and Bank Secretary Act (BSA) standards
  • Involved in analysis of KYC data to understand the attributes, schemas and data structures.
  • Conducted extensive data analysis of different data bases which were going to be part of the application to understand the attributes, schema and data structure.
  • Organized weekly Project Status and Task Review meetings, created PowerPoint presentations and project updates using MS Project for management review.
  • Interacted with the Client Onboarding Risk and Controls team to establish a quality assurance program Onboarding to include methodology and sampling methods and ensure compliance with policy and regulatory requirements.
  • Worked on the enhancements of Actimize SAM and WLF module and has good knowledge of CTR and CDD modules
  • Interacted with Actimize team to understand their data requirements and integration with AML processes.
  • Organized the project into phases to impose management control using stage-gate reviews such as high-level user stories, test scenarios, Dimension modeling, Client reference data, Data Mapping, ETL etc.
  • Created project charter and project plan, presented different solution and time lines with the help of PM.
  • Created flow chart diagrams using MS-Visio and BPM modeling.
  • Created data mapping document for the application after finalizing the attributes and tables with business users
  • Constantly partnering with project leads to ensure the team is producing solutions that meet established standards, procedures and practices, address issues, risks and mitigation plans.
  • Created Software Requirement Specifications (SRS) / Functional Specification Documents (FSD).
  • Documented Test Plan, Test cases, performed functional and regression testing and Facilitated UAT and recorded the user feedback for future changes.

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