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 Investment banking (Stock exchange, Fixed income, Stocks/bonds, equities, options/futures, trading operations, mutual funds etc.).
• Strong knowledge of the procedures of Banking & Regulatory Compliance's especially in AML, KYC and Basel Accords.
• Extensive experience in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• 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.
• Collect AML and KML data elements as mandatory for all new clients, entities, roles, and accounts.
• Client profile approval workflows for high risk and Non-US customer KYC records to regional administration/control groups and centralized approval with WM AML supervision and governance by risk level and designated customer role and type.
• Knowledge in Cards Payment processing and Retail Banking operations like Customer Relationship Management (CRM) and Enterprise Teller (ET).
• 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.
• Expertise in diverse retail banking sectors including lending, deposits, payments, cards, trade finance, treasury, KYC, AML, payment system.
• 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.
• 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 Financial Service industry related t - Credit Risk, Market Risk, Market Risk, Credit Risk, Liquidity Risk, Basel II/III, CCAR.
• Experienced in developing Statistical models to perform predictive data analysis using Python.
• Extensive experience in conducting Market Research, Feasibility Studies, Data Analyses, Data Mapping Gap Analyses, Risk Identification, Risk Assessment, Risks Analyses, and Risk management.
• 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.
• 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.
• 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.

PROFESSIONAL EXPERIENCE

Confidential - Atlanta, GA

Sr. Business Analyst/KYC Analyst

Responsibilities:

• Acted as a liaison between Line of Businesses (LOBs), Technology Partners (Source Applications) and implementation team.
• Conducted JAD sessions with business and other Tech partners.
• Conducted meetings with business to gather the business requirements and reviewed the requirements, understood the system and workflow, and converted those requirements into Functional Requirements.
• Chaired and attended day-to-day project meetings to discuss the outcome of implementation processes, testing efforts, time lines, etc. Wrote and distributed meeting minutes.
• Created and maintained multiple vendor queries through the NICE Actimize recording systems, and also established and maintained macros that allowed data mining for each vendor's results.
• 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.
• Conducted research, analysis and provide qualitative/quantitative insights to lead and direct projects and initiatives to meet the Firm's AML/KYC Standards.
• Effectively collaborated with senior compliance officers, AML colleagues, relationship managers, and other departments to ensure all facets of remediation project were completed on a timely basis.
• Extensively involved in Agile-Scrum projects, part of running scrum-boards, maintaining backlogs, grooming user stories (BDD based), and organizing sprints.
• Involved in data mapping and data validation and created various data mapping documents.
• Conducted extensive analysis of KYC data to understand the attributes, schemas and data structures.
• Worked on 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.
• Performed AML functions on an on-going basis, including detection / reporting of suspicious transactions and activities; conduct reviews for the enhancement of the AML functions, and perform AML risk assessment when required.
• Effectively conducted AML /KYC formality reports on questionable accounts and transactions.
• Performed the required KYC screenings on customers documenting the information obtained on the client's as required by global KYC procedures.
• Interacted with KYC analysts to execute investigations based on Client On-boarding profiles, Maintenance, Transaction Monitoring referrals, Government sources and Referrals from business partners and other control areas.
• 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.
• Maintained and created Enterprise wide Test Cases for Subject Matter Expert Testing, Oracle Mantas Testing and Integrated Systems Testing (IST).
• Provided Data Mapping Documents by MS Excel for the automation rating risk score purpose.
• Created interactive dashboard and Reports in Tableau for monitoring the operation performance on day to day basis.
• Generated Use Case diagrams, Sequence diagrams, Business Objects, Domain Object Model, and Visio to depict process flows and PowerPoint presentations.
• Prepared the ETL mapping specifications to extract data from the existing system to the AML compliance data marts.
• Performed complex SQL queries for retrieving data from the database, generating ad-hoc reports, and conducting data validation testing.
• Involved in migration of various objects like, stored procedures, tables, views from various data source to SQL Server.
• Implemented Workflow Diagrams and Use Case Diagrams by MS Visio to help IT team to get a better understanding of the customized requirements.
• Worked closely with development and QA teams to ensure the understanding of requirements and implementation met business expectations.
• Conducted Data Analysis of customers by using QlikView and excel reports.
• Identified, logged and provided resolution of defects in ALM. Added value by anticipating needs and potential weaknesses and risks.

Confidential, Manhattan, NY

Business Analyst

Responsibilities:

• Interacted closely with the users and conducted numerous user interviews, gathered business requirements and analyzed the requirements.
• Translated business requirements into functional requirements and prepared an extensive project plan to reduce inter-company transactions in equity derivatives and foreign exchange trades.
• Important Team member of eDOCS project for the review, implementation & data changes for the eDisclosures sent to the customers at initial& approval packages forLoanorigination/ LoanIQ
• Responsible for indexing of the tables in that data warehouse.
• Analyzed and documented the system specifications, Business requirements; used the tool DOORS for documenting, tracking and analyzing the requirements
• Coordinated with variousdatafeeds (Reuters, Bloomberg, Markit) for marketdata, referencedata, counterpartydata, and credit data; mapped them to the oracle database for credit derivatives pricing, corporate bonds, municipal bonds and analytics.
• Performed detailed analysis and work -flowdiagrams for derivatives trading which included - preparation of market & referencedata, analysis & decision support, modeling a contract, preliminary instrument setup on the application.
• Analyzed the data warehouse project database requirements from the users in terms of the dimensions they want to measure and the facts for which the dimensions need to be analysed
• 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
• DocumentLoan IQDB2 batch process, as the contents of these reports is refreshed withLoan IQ batches
• Worked with FAs and RAs to conduct Credit Risk Measurements like calculation of RWA (Risk Weighted Asset).
• Created and managed Project Templates, Use Case Project Templates, Requirement Types and Traceability Relationships in RequisitePro.
• Provided multiple demonstrations of Tableau functionalities and efficient data visualizations approaches using Tableau to the senior management at the client as part of the BRD.
• Involved indatavalidation of the results in Tableau by validating the numbers against the datain the database tables by querying on the database.
• Participated in Loan IQ upgrade programs and have worked on coding using Loan IQ API/SDK
• Responsible for creating different sessions and workflows to load the data to Data Warehouse using Informatica Workflow Manager
• Worked in variousdataenvironmentsDataWarehouse,Referencedata, Meta-dataand ETL to create various reports and matrices.
• Experience in writing Loan IQ Inquiry API, Event Management scripts using LIQ SDK.
• Liaised with Operational Risk managers to document and analyze operational risk calculations
• Documented economic capitalandregulatory capital,andcarried on a gap analysis to reconcilethe divergence ofprocesses between the two.
• Created various Reports and Dashboard with Tableau and Power BI to gain and gather insights.
• 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.
• Created class diagrams and ER diagrams and used SQL queries to filter data within the Oracle database.
• Designed and developed Use Cases and UML models using Microsoft Visio.
• Created high-levelprocess flowdiagramsof the different Credit Risks, Market Risk and Operational Risk, whichwere presented to regulators
• Supported PMO by mentoring specific projects in application of the new SDLC based on the Agile Unified Process, especially from the project management, requirements and architecture perspectives.
• Worked with developers to make sure that they understood the Use Cases.

Confidential - San Jose, CA

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 were consistent with the information
• 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.
• 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.
• Worked on the enhancements of Actimize SAM and WLF module and has good knowledge of CTR and CDD modules of Actimize.
• Interacted with Actimize team to understand their data requirements and integration of the application 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 project manager
• 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.
• 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).
• Interacted with developers, UI designer and UX to make sure that application is being built accordingly and made sure of the timely delivery.
• Documented Test Plan, Test cases, performed functional and regression testing and Facilitated UAT and recorded the user feedback for future changes.
• Was involved in documenting various functional specifications for future reference and cleaning-up the WS Data mapping doc for any errors.

Confidential, Charlotte, NC

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 - 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.