SUMMARY

• Over 8+ years of diverse experience as a Business Analyst in domains like Finance, Retail Banking and Mortgage with the aptitude to work independently and in teams to meet business deliverables with a result oriented approach.
• Expertise in creating Business Requirement Document (BRD), Functional Requirement Specification (FRS) document, User Requirement Specification (URS) and Change Request (CR) document for system application development.
• Extensive experience in tracing requirements throughout the development process and verifying adherence using the requirements Traceability Matrix(RTM).
• 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 in implementation and integration by leveraging Agile Methodology.
• 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.
• Extensive Experience in Gap analysis to compare As Is with To Be business processes and offered solutions.
• 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.
• Good knowledge of different Financial services include commercial banking, middle-market lending, asset-based lending, leasing, cash management and trade finance.
• Expertise in diverse Retail Banking sectors including lending, deposits, payments, cards, trade finance, treasury, KYC, AML, Payment system.
• Good experience on Online Banking, Retail Banking, E-Commerce, Online Transaction Processing and Electronic Fund Transfer.
• Extensive experience in Financial Service industry related t - Credit Risk, Market Risk, Market Risk, Credit Risk, Liquidity Risk, Basel II/III, CCAR.
• Strong understanding of Mortgage banking, Credit Approval System, Basel accords and Investment banking (Stock exchange, Fixed income, Stocks/bonds, equities, options/futures, trading operations, mutual funds.
• Experienced in Mortgage LoanOrigination, Servicing, Closing, Loss Mitigation, Loan Modification, Appraisal, Credit, Income, and functionalities.
• 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.
• Worked on Loan Originating, Loan Servicing, Loan Modification, Commercial Lending.
• Knowledge of Commercial Lending Systems like Loan IQ. Familiarity with Consumer Lending Processes.
• 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.
• 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.
• Good understanding the knowledge of 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.
• 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.
• 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 knowledge in SQL Server disaster recovery, backup/restore, migration and upgrade participated in disaster recovery drills.
• Experienced in troubleshooting and performance tuning of reports and resolving issues within Power BI and Tableau Reports.
• 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.
• Highly Experienced in Microsoft Office Suite including MS Visio, Excel, PowerPoint, Word and Outlook.
• 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.
• Strong experience with Test Case Management using Mercury Quality Center, Black-box testing, device testing, integration testing, regression testing, User Approval Testing (UAT).
• Experienced working with Clients, stakeholders and trading partners going over requirements, capturing action items and providing appropriate solutions to complete associated tasks incurred.
• Experienced with QA Team in defining the Test Plans, Test Cases and test execution.
• 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, Albany, NY

Sr. Business Analyst

Responsibilities:

• Gathered analyzed, documented business and technical requirements from both formal and informal sessions and validate the needs of the business stakeholders.
• Co-authored business requirements document with project teams. Extracted, discussed, and refined business requirements from business users and team members.
• Analyzed Business Requirements and segregated them into high level and low level Use Cases, Activity Diagrams / State Chart Diagrams using Rational Rose according to UML methodology thus defining the Business Process Models.
• Supervised and managed project throughout SDLC to ensure that project management methodology based on RUP is followed during the project lifecycle using MS Project.
• Explain to the customer the aims and specifics of investment plans and policies, the kinds of services that will be offered, and the Financial Consultant's duties.
• Worked with the procedures of Banking & Regulatory Compliances - Anti-Money Laundering (AML), Customer Identification Program (KYC/CIP), CCAR Regulatory Reporting, Dodd-Frank Act.
• Extensively worked on Contract lifecycle management tool like Oracle Contract Management ranging from establishing corporate contract policies to tracking contract performance.
• Responsible for end to end support for state farm enterprise credit cards product: Visa, MasterCard, Amex and Discover.
• Assisted in the administration and review of Client Risk Scoring, Client Identification and KYC documentation oversight/management requirements.
• 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.
• Support CCAR and BASEL (II) data acquisition teams to validate and reconcile data from various systems.
• 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 for Client Onboarding to include methodology and sampling methods and ensure compliance with policy and regulatory requirements.
• Liaised between the application and Oracle team to Onboard applications to Oracle IAM tool for centralized Access provisioning & access review.
• 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 project manager.
• Assist technical team to test interface for inventory movements withSAPand other legacy systems.
• 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
• Identified and communicated dependencies and potential risks to the completion of the project including resources, costs and systems.
• Conducted Joint Application Development (JAD) sessions with IT groups. Identified the Key Changes, and participated in Stakeholder Management to communicate effectively with them..
• Managed workload, schedules and coordinated status review meetings with project managers, business managers and team members.
• Used Rally tool for requirements management and tracking user stories in a sprint and product backlog.
• Tracking business reporting issues on JIRA by creating problem statements that help breakdown the underlying issue.
• Involved in maintaining project progress and status through MS Project. Extracted periodic/ monthly status reports to the Project Manager to serve as the team's assessment of the project and its schedule.
• Worked on Traceability Matrix table to uniquely identify and trace the business requirements to general design to testing as to prove that the requirements have been developed into a solution and that it has been tested and tracked.
• Quantitative Analysis/Portfolio Construction: A power user of Morning Star Direct SM analytical tool and database. Analyzed risk metrics of potential investments including Mutual Fund, ETF and Liquid Alternative Fund across various asset classes. Optimized portfolios using R finance package.
• Interacted with developers to resolves questions and discrepancies in documents, hands-on experience with SQL queries.
• Working on Data mapping, logical data modeling, created class diagrams and ER diagrams and used SQL queries to filter data within the Oracle database.
• Created various Reports and Dashboard with Tableau and Power BI to gain and gather insights
• Developed customized SQL reports and queries for management decision-making and operational management.
• Performed back-end testing on the Oracle database by writing SQL queries and executed SQL scripts for data validations with MIS team.
• Wrote PL/SQL script to extract accounts payable data from API file to send to MAINFRAMEORACLE, advanced PL/SQL programming.
• Developed strategies with Quality Assurance group to implement Test Cases in Mercury Test Director for stress testing and UAT (User Acceptance Testing)
• Assisted with the development of test plans and strategies, coordinated testing events, and executed test cases in support of changes to business systems.
• Participated user acceptance testing cycle; worked withbusinessusers to definebusiness scenarios, user acceptance test cases and user acceptance criteria.

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.
• 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.
• Used Agile methodology and utilized Software Development Life Cycle (SDLC) to configure and develop process, standards procedures.
• Created Business Logic using Python to create Planning and Tracking functions.
• 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.
• 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.

Confidential, Wayne, NJ

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.
• Collaborated with the SAP implementation team to correctly define the requirements and ensure they tie to the correct process areas.
• Utilize SAP Success Factory to maintain annual performance evaluation and goal achievements.
• 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.
• Analyzed current "AS-IS"businessprocesses for potentialbusinessprocess changes as a result ofSAP.
• 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.
• Assist technical team to test interface for inventory movements withSAPand other legacy systems.
• Create design and training document for user to understand the new process inSAP.
• 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.
• Wrote PL/SQL statement and stored procedures in Oracle for extracting as well as writing data.
• 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, San Francisco, CA

Business Analyst

Responsibilities:

• Was responsible for gathering requirements both functional and non-functional based on interactions with the process owners and business team.
• Created accounting requirements (BRD) for multiple Core Banking tracks, including FX/Money market, Deposits, Trade Finance and Loans.
• Created Use cases and other related UML diagrams for various functionalities of Deposit Products.
• Evaluate internal processes in deposit operations and suggest workflow improvements to increase efficiencies and reduce or eliminate risk factors.
• Review core software system specifications for deposit and lending products and make changes as necessary.
• Engaged in supporting various range of banking projects from enhancements to strategic initiatives in terms of test planning, implementation and execution with a goal to deliver high quality software projects for Deposit Operations.
• UsedSAPERPmodules for implementation of billing plans, other financial operation functions such as AR, collections, or revenue recognition
• Developed project plan and charter for comprehensive commercial lending written communications evaluation
• Gathered and documented UX\UI (visual) requirements, functional and non-functional requirements in Business Technical Requirement Document
• Gathered requirements for sourcing and delivering the data and Interface requirements between various Partner Systems for Payments Processing for Corporate Banking purposes which involved detailed understanding of Payments and Processing Standards like IBANs, SWIFT, ACH etc.
• Analyze and develop teller applications.
• Delivery of business requirements for all interfaces into a commercial lending origination and servicing system for a large straight through processing implementation and conversion project
• Gathered and converted Business Requirements to Workflow Rules for deposit products.
• Managed Microsoft Dynamics CRM Mobile project by interviewing multiple third party vendors to decide on a solution to launch CRM Mobile to the company's sales force.
• Work with end users to determine system requirements for commercial lending workflow system.
• Gathered and defined business requirements in partnership with a commercial lending business for several medium and small initiatives. Resulted in clear requirements which allowed the commercial lending overall goals and objectives to be met in a six month period.
• Created Data modeling diagram.Created SQL server databases from flat files
• Prepare business requirement documents to build the new data mart at product level
• Set up agenda for JAD session with project stakeholders, subject matter experts (SMEs), end users, Developers, Testers and project management team. Contacted participants and make the proper schedule accordingly.
• Documented business requirements and Technical requirements document using process and data models to explain detailed business implications and impacts.
• Prepared Use Cases for the functional requirements to define the system rules. Created Use Case Diagrams, Activity Diagrams, Sequence Diagrams, and Dataflow Diagrams in MS Visio to effectively communicate the requirements.
• Used the Waterfall methodology to define the SDLC process.
• Conducted requirements definition and analysis to capture, clarify, and confirm the requirements.Closely interacted with developers and QAs to communicate and validate requirements as needed.
• Assisted Project Manager in managing requirements by coordinating and facilitating requirement tracking using Requirement Traceability Matrix (RTM).
• Interacted with developers to resolves questions and discrepancies in documents, hands-on experience with SQL queries.
• Involved in the Testing phase, reviewed test strategy and created test cases to ensure the transformation to the new database. Conducted presentations for analysis of test result with stakeholders.
• Authored progress and completion reports, which were then submitted to project management on a weekly basis.

Confidential - Pittsburgh, PA

Business Analyst

Responsibilities:

• Interviewed business users to gather business requirements and created Business Requirements document (BRD).
• Participated in knowledge transfer meetings and discussions with consumer management and BSA/AMLOfficer.
• Translated the business requirements into functional specification document (FSD).
• Ensured that the business need as defined by the Product Owner are met by the Agile team.
• Conducted several user interviews and/or facilitate group sessions to identify business requirements including decision process needs, information sources, access privileges, and company standards. Also, conducted user story sessions, discuss user stories, capture story points and acceptance criteria.
• Worked withActimizedevelopers to implement their NICE system to our current KYC system.
• Analyzed financial transaction data from multiple data sources including Databases, CRM, flat files to be mapped to the application database.
• Created clear, complete and accurate documentation of user requirements and business process workflows.
• Analyze data and work with the quality control team. Other duties as assigned to assist with the effective administration of theAMLand KYC Policies.
• Produce prioritized detailed business requirements for AML Cards, KYC (Inbound and Outbound), CMT etc.
• Created complex SQL query to extract transaction related data from multiple source for data validation.
• Performed data validation testing using SQL queries to validate data. Reviewed the vendor API to reduce stock issues.
• Analyzed data contained by the databases using Structured Query Language (SQL and PL/SQL) and Tableau to confirm data accuracy and integrity of various reports.
• Exposed to SQL queries while churning out relevant information from company's database.
• Working on data mapping for various products inDeposits, Securities, FX and Derivatives.
• Experience in the Payment Process which specifically provides support forDepositsystems that manages, plans.
• Strong understanding of commonmoneylaunderingschemes as well asAMLlegal and regulatory environment, laws, regulations, and guidance under the BSA and the USA PATRIOT Act.
• Monitored suspicious transactions and compiling and reporting associated currency transaction reports (CTRs) and monetary instrument logs (MILs) generated by ActimizeAML.
• Prepared functional requirements to define thesystemrulesby creating Use cases, interface design and data dictionaries.
• Identified and understood relationships among internalsystemsproblems, issues and data.
• Worked with a team of 5 qualityanalyst/testers within Agile Methodology.
• Defined and delivered test strategy, plans, andsystemsscripts.
• Validated different data sources to ensure alignment with the business requirements.
• Conducted through testing to make sure the application is developed as per the business requirements.
• Created UAT test plans and test scenarios & cases.