SUMMARY

• 9+ years of proven excellence as Business Analyst in banking and finance domains with expertise in eliciting business requirements and translating them into various Business requirement documents (BRD), Functional requirement documents (FRD).
• Profound knowledge of various banking and finance fundamentals like Capital Markets and Risk Management Industry domain experience in Mortgage, Risk Management and Loan Pricing.
• Excellent understanding and knowledge of Identity and Access Management (IAM) System.
• Expert in Tracking and Managing the Requirements using Requirement Traceability Matrix (RTM) that controls numerous artifacts produced by the teams across the deliverables for a project.
• Experience in Conducting JAD sessions, Business meetings and one on one discussion with stakeholders /customers for gathering the requirements in most comprehensive way.
• Expert in formulating Business as well as Functional Requirement Documents (BRDs and FRDs) to ensure that the requirements are correctly conveyed to development team.
• Solid Understanding of Anti Money Laundering (AML) procedures and hands on experience of working to ensure AML compliance at client’s place.
• Experience Working with AML SME’s provided direction and guidance to employees on appropriate remediation action for high - risk accounts.
• Experience on well-known Commercial Lending product Misys Loan IQ on all modules with expertise on accounting.
• Good working knowledge of Loan IQ GL accounting including trade date accounting.
• Extensive experience in analyzing and requirements gathering and writing system functional specifications including use cases.
• Extensive experiences in Investment Banking projects specialized in Securities Trading, and wealth management.
• Experience in conducting Joint Requirement Planning (JRP) sessions, Joint Application Development (JAD) sessions and Rapid Application Development (RAD) sessions with committee of SME, business groups, senior management and IT groups.
• Experienced with Loan Origination process and Fixed Income Products like Treasury (Bonds, Notes, and Bill), Mortgage-Backed Securities (MBS).
• Experience in conducting due diligence reviews on individual and business accounts and update KYC profiles in accordance with KYC requirements.
• Extensive knowledge and experience in Anti - Money Laundering (AML)/KYC and Operation Risk Management in the large Investment Banks and Finance Companies.
• Experienced in working with Cross Functional Teams and interacting with all levels of management for requirements.
• Highly motivated, result oriented team leader with excellent communication skills and never-ending willingness to learn and improvise.
• Proficient in conversion of Use Cases into test documents, Test Plans and Test Scripts good understanding of different business processes.
• Mostly worked on Use Cases and Test cases and Manual Mapping of the transactions.
• Extensive experience in UML modeling using MS Visio, MS Project. Expert with creating Use Case Diagrams, Process Flow Diagrams, Sequence Diagrams and Activity Diagrams.
• Experience in Competitive Analysis, Gap Analysis and understanding of ROI Analysis, P&L Analysis, SWOT Analysis, Impact Analysis and Cost - Benefit Analysis.
• Experience is using Jira, Rally, Confluence among other tools to track the SDLC of projects in agile environment.
• Experience in conducting requirement analysis, use case design, designing test plans and developed database schemas based on the logical model.
• Strong understanding as well as experience of working through all phases of SDLC. Have successfully worked in AGILE, RUP and SCRUM environments.
• Excellent knowledge in SQL query writing, Performance tuning, Report writing and good knowledge of database testing
• Experience in writing automated test scripts and test procedures. Expert in creating the Test data and Test cases for User Acceptance Testing (UAT).
• Proficient in Quality Assurance Life Cycle like developing Test Strategies, Test Plans, Test Cases Manual / Automated, Defect Reports and developing Test Scripts.
• Involved in User Acceptance Testing (UAT) with hands experience of working with tools HP Quality Center, Rational Requisite Pro.
• Quality Assurance (QA) experience in developing and reviewing Test plans, Test scripts, Test requirements, Test cases, Test reports, and in using defect-tracking tool to address bugs/issues as required by the project

PROFESSIONAL EXPERIENCE

Confidential, Chicago, Illinois

Sr. Business Analyst

Responsibilities:

• Extensively researched and collected the customer financial documentations and completed research for suspicious activity reports on KYC, AML, and BSA analysis reports for flagged accounts.
• Analyzed regulatory requirements for Dodd Frank initiatives and ensure completeness and accuracy by partnering with IT and functional groups
• Analyzed client data, documentation and negative news in order to determine client risk profile as established under the global KYC procedures.
• Worked in the team and faced challenges during the project development and production process. Experience configuring and upgrading/migrating SailPoint IIQ Identity Access Management solution components.
• Communicated on a daily bases with Senior Managing Directors and Directors surrounding AML monitoring and surveillance
• Requirement gathering through interviews, workshops, JAD sessions with clients, developers and QA Analysts and referring to existing system documentation and procedures.
• Prepared Business Requirement Documents (BRD’s) after the collection of Functional Requirements from System Users that provided appropriate scope of work for technical team to develop prototype and overall system.
• Independently utilized quantitative analysis techniques to assess credit risk exposure; identifies, analyzes, and monitors issues that affect profitability, growth, and productivity.
• Performed modeling/analytics to assist with pricing, servicing, and origination strategies. Summarized analysis and communicates information to various levels of management
• Developed pricing, servicing, and originations tests and be responsible for testing, monitoring, and profitability impact analysis. Generated ideas to improve current strategies.
• Involved in analyzing of Mortgage-Backed Securities (MBS), derivatives (Interest Rate Swap, Swaption, Future), Repo, Fixed Income life-cycle.
• Worked on Automation of dashboards of the entire Investment Banking operations Capital Markets
• Managed and executed all global Capital Markets league table submissions to public data sources (Bloomberg, Refinitiv, Debtwire, LMG Analytics and LexLatin)
• Explain the banking rules (Consumer Loan/Mortgage) to the development team.
• Worked on different areas of LoanIQ API and data model.
• Worked with business and customer on new initiatives, identified and provided insight and recommendations of what data will be helpful to reach the desired project goals
• Collaborated closely with the technical team for solution development
• Worked collaboratively with Development Team to identify data requirements and mapping
• Established practical and efficient design and testing approaches
• Worked extensively on MS Office tools like Excel, PowerPoint, Word etc. for documentation and presentation purposes, used SharePoint for document storage/sharing.
• Involved with IT team to understand guidelines of Identity & Access Management applications, including MS Active Directory and Cyber Arc platforms.
• Support business and investment teams. Securities Trade Operations is responsible for the post-trade processing of equity and fixed income
• Performed Requirement Analysis and developed Use Cases, Activity Diagrams using Rational Rose
• To implement the process, had to Analyze and write a lot of Test Cases and Test scenarios.
• Utilized corporation developed Agile SDLC methodology. Used Scrum Work Pro and Microsoft Office software to perform required job functions.
• Followed the Software Development Life Cycle throughout project and used the Agile methodology
• Involved in Internal Audit and Compliance to ensure timely and accurate remediation in response to observations and recommendations.
• Worked with Senior Business Users in Market & Credit Risk Management, Prime Brokerage, Auditing/Compliance, and Back & Middle Office to prioritize and secure Budgeting for Projects and Day - to-Day Support.
• Reviewed mortgages of informed borrowers/related parties for loans, marketing conditions, documents needed to close loan.
• Responsible for numerous decisions in respect to business policies, procedures, methods for implementation. Confidential Pre-payment risk, Risk Analytics for Confidential, Loan Servicing, Loan Origination, Confidential, CMBS, and Secondary Confidential Market.
• Worked on Loan origination and maintenance of credit files according to federal banking guidelines
• Created high level BRD (Business Requirements Document) to document the business need and create estimates for each requirement.
• Monitored the mortgage market and recommend strategy, provide the Bank's daily mortgage loan pricing.
• Created FRD (Functional Requirements Document) with detailed mock-ups and wireframes for the requirements selected for the release
• Defined and documented business requirements with sufficient detail to enable customer sign-off
• Created Use Case Diagrams, Activity Diagrams, Sequence Diagrams and ER Diagrams in MS Project.
• Worked on Market-to-Market analysis of the commitment inventory, real-time loan pricing, counter party commitments, risk analysis, hedging, and securitization strategies.
• Involved in maintaining the Requirements Traceability Matrix (RTM) across the deliverables for a project
• Established a RUP (Rational Unified Process) centric business analysis methodology. Collaborated in building a business analysis process model using Rational Rose, Requisite Pro, and Visio.

Confidential, Chicago, Illinois

Sr. Business Analyst

Responsibilities:

• Performed Requirement Analysis by gathering both functional and nonfunctional requirements based on interactions with the process owners & stake holders and document analysis, represented them in Requirements Traceability Matrix (RTM).
• Utilized Rational Unified Process (RUP) and developed business process flows, system flows, validated object-oriented analysis and design methodology.
• Analyzed and Documented Business Requirement Document (BRD), Functional Specification Documentation, and System Requirement Documentation, using UML methodologies.
• Identified Use cases from the Functional requirements and wrote Use Case Specifications and created business process workflow diagrams (Activity diagrams, Sequence diagrams, Collaboration diagrams).
• Expertise in underlying Finastra Loan IQ data model and components, Loan IQ Batch Execution Framework and schedules, Loan IQ APIs and their relationship across Finastra Loan IQ Modules.
• Excellent opportunity to gain exposure to sales/trading of corporate, municipal, and mortgage-backed securities/derivative products, while leveraging technology to address key business challenges.
• Analyzed the requirements and creating Test Plans, Test Scenarios, Test Cases.
• Created Business Process Model and identified issues for Business Process Re-engineering work elements.
• Worked with BI Architect to implement logical data process model
• Established a Business Analysis methodology around Agile (SDLC) methodology.
• Used MS Project to create Gantt Charts for mortgage look back project.
• Monitored and maintained Capital Markets website by updating template forms, client forms, practice group presentations, site resources, and Capital Markets deal tracker.
• Responsible for the quality of all changes to Empower, the Confidential loan origination system for the Retail branches.
• Partnered with business leaders on research, design, build, configuration and operation of niche platforms (e.g., Financial Systems, Commercial Lending. Wealth management, Risk Systems, Treasury services, Sales Tracking Systems).
• Responsible for all securities trading process requests in accordance with the Firm’s securities trading guidelines/policies.
• Researched the mortgage industry; including, regulatory changes and financial impacts of securitizing Mortgage-Backed Securities (MBS) that pertains to maintaining the Authority’s LOS.
• Created and modified workflows for implementing business flows and performance tuning and problem determination for IAM solution.
• Created 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.
• Ensured all new and existing clients (and high risk) undergo AML sanctions review base on the Bank Secrecy Act;
• Created process maps, use cases, requirements and gap analysis documentation for JPM algorithmic trading workflow for regulatory reporting.
• Managed requirements from Global Business & Risk Management users.
• Worked with SQL queries for data manipulation and data validation.
• Used extensive SQL queries for data analysis, to provide summary reports and data feeds to analytics reporting system.
• Elicitation techniques like interviewing, questionnaires, brainstorming, focus groups, prototyping and facilitating JAD sessions.
• Created waterfall framework artifacts such as BRD, FRD, use case and use case diagrams
• Worked with Confidential cross-functional team of Business Development
• Responsible for various deliverables throughout the software development lifecycle from process flow diagrams to mock-ups and wireframes
• Presented BRD to the Business for feedback and approval
• Responsible in providing regular test reports to the management
• Performed different levels of quality checks and performed UAT Sessions as required
• Provided maintenance and support after project completion
• Analyzed business needs and worked with technical and non-technical teams to overcome challenges worked with business users, stakeholders and SME’ Confidential amongst the organization
• Developed financial reporting by analyzing Capital Markets deal flow, incurred revenues, and identifying market trends
• Tested the brokerage and financial services applications like Equities, Fixed Income, Investment Research, Investment Deposits, Accounts (Accounts Activity, Balance Holdings, Portfolio Management, E-statements, Retail Consumer Lending, Mortgage Modules, Integration Module
• Made decisions on new IAM functionality to implement. Which may include expanding vendor relationships, integration partners, or adding a new vendor.
• Developed prototype of the system using Microsoft Visual Studio and conducted walkthrough to users and developers.
• Liaised with Clients, Front Office, Credit, Legal and Client On-Boarding as necessary as part of the KYC process.
• Involved in requirements gathering, source data analysis and identifying business rules for data migration and for developing data warehouse/data mart.
• Performed bulk loading of data in DEV/QA environments.

Confidential, Chicago, IL

Business Analyst

Responsibilities:

• Managed Regulatory-reporting expertise across numerous report forms, such as:FRY 9C.
• Documented RTM Requirement Traceability Matrix for traceability of requirements.
• Responsible for change management, process modeling and staff development in the implementation of the Rational Unified Process (RUP) for the IT department.
• Facilitated Joint Application Development (JAD) sessions involving the management, development and user teams for clarifying requirements and facilitating better communication.
• Authored Business Requirements Document BRD with project teams. Extracted, discussed, and refined business requirements from business users and SME’s.
• Gathered and documented business BRD, FRD from both formal and informal sessions and validated the needs of the business stakeholders.
• Expertise in Loan IQ Data Model across all Loan IQ syndicated modules.
• Wrote Use Cases and developed Business Rules document for the implementation of Workflows in Pega PRPC.
• Structured submitted and completed loan application for processing. Confidential Reviewed Files for Accuracy
• Investigated AML cases and alerts involving various transactional activities to determine whether questionable transactions occurred in designated high-risk industries.
• Responsible for ensuring timely and accurate reporting to Community Banking Group.
• Partnered with Marketing, Finance and Business intelligence teams to develop reporting and analytics for business line and market performance.
• Determined and compiled key performance indicators and provide variance to goal analysis for results, including strategic initiatives and ad hoc projects.
• Involved in migrating the Commercial Lending Process from existing AFS Application to the new application platform Loan IQ, mainly focusing on the Commercial Lending Servicing process.
• Comprehensive knowledge of various research platforms with the ability to conduct thorough research and utilize suitable record keeping methodologies.
• Ability to define relationships and related parties in connection with conflict requests.
• Running the Test Cases in the Test Environment using Manual input method involving different criteria and determining the final eligibility.
• Maintained close integration across the group and communicating effectively with seniors for day-to-day task
• Effectively communicated and assisted other team members in the ongoing assignments as part of an agile environment.
• Facilitated and managed meeting sessions from business areas including Confidential Origination, Loan Processing.
• Reviewed mortgages of informed borrowers/related parties for loans, marketing conditions, documents needed to close loan.
• Using MS Project to manage schedules, deadlines, and resources
• Performed financial and business analysis, cost-benefit and risk management in support of capital planning for investments.
• Contributed to the development of reporting tools that enabled business leaders to quickly identify and respond to changing market conditions and customer behavior trends.
• Prepared analysis of loan and deposit portfolio growth trends by business lines, markets and segments for management.
• Assisted in the preparation of the bank’s deposit pricing committee materials.
• Processed, allocated & paid renewal invoices for most states while reduced annual operating costs for Legal & Compliance.
• Created QA Test plans, Test Cases for Functional, Integration Testing and participated in UAT.
• Created the JIRA/SQL scripts for demonstrating the prototypes and for verifying the result sets and used SDLC (System Development Life Cycle) methodologies like the RUP and the waterfall.
• Carried out detailed and comprehensive business analysis with the Agile methodology
• Responsible for securities trading, account reconciliation, and cash management.

Confidential, Altamonte Springs, FL

Business Analyst

Responsibilities:

• Performed gap analysis and prepared reports to identify applications and business processes that fell short of PCI standards.
• Developed and maintained Requirement Traceability Matrix (RTM).
• Created Business Process specifications, application designing using RUP, database schema design and implementation methodology.
• Conducted JAD sessions with the Business users, technical architects, Data management team and the UAT team.
• Interacted with Software development team and Business users as a liaison in helping developers to understand the business requirements, Functional requirements BRD, FRD thereby ensuring the proposed applications complies with the business specifications.
• Created the Business Requirements Document (BRD) to clearly define each business goal in terms of meaningful and structured functional requirements along with detailed process flows (using Visio) and respective SIPOC analysis.
• Worked closely with development team for implementing the logic that’s triggers and determines the minimum insurance amounts for the mortgaged property based on LTV and CLTV calculations once the loan is soft/hard approved.
• Validated quality of draft Suspicious Activity Reports for various business units (AML Operations, Auto Lending, Savings, Information Security), Track record of working with data feeds and interfaces from Loan IQ
• Involved in conversion of Use Cases into test documents, Test Plans and Test Scripts good understanding of different business processes.
• Monitored and assisted in designing and development of Use Cases, Activity Diagrams, and Sequence Diagrams using UML.
• Responsible for leading Agile Scrum Sprint Planning Activities
• Created PowerPoint presentations and project updates using MS Project for management review
• Coordinated with Information System programmers on all aspects of the loan origination systems change requests and maintained compliance with all regulations.
• Involved in backend testing the TPMAIR interface that pulls Mortgage-Backed securities (MBS) data, AIG Fixed Mortgage loan data, AIG ARM loan data, 5/1 and 5/1 Jumbo loan data.
• Prepared data integration flow diagrams between COTS mortgage application & Capstone.
• Added and trained new IAM users, including integration of existing remote also involved in the automated testing of Test Cases via Rational Functional Tester.
• Created queries in Rational Functional Testing Tool RFT’s, running it and determined final eligibility of the individuals.
• Responsible for Project Planning, Tracking, Risk management, Resource Management, coordinating tasks and Creating/Updating Status Report with TIC.
• Created requirements for FRY14 and interacted with the Axiom team to understand the data flow from station into Axiom.
• Established on-going processes to ensure that all new applications and procedures meet PCI standards using SDLC and Waterfall methodology.
• Created QA Test plans, Test Cases for Functional, Integration Testing
• Directed the software development effort by representing the customer for the purposes of outlining and clarifying user stories with our development team through constant collaboration, business acceptance testing and making quality assessments.
• Worked on Loan IQ table maintenance especially around Pricing options, Base rates, Funding rates, account, GL short names and transaction events
• Communicated with stakeholders to assess requirements, develop user stories and perform user acceptance testing to ensure criteria is met.

Confidential, Chicago, IL

Business Analyst

Responsibilities:

• Developed system concept, interviewed business SMEs to gathered, analyzed and managed requirements.
• Involved in various levels of testing like Smoke/Sanity, Functional, Regression, System, Security, End to End and UAT testing.
• Utilized RUP methodology to create Process Flow, System Flow, Use Case Diagrams and Interaction Diagrams using Microsoft Visio.
• Audited closed loans to verify they’re in compliance with FNMA, FHLMC, FHA, OFAC, DOJ, CFPB, BSA, AML, KYC & other government regulatory guidelines
• Extensively involved in project documentation including Software Requirement Specification SRS, Detailed Systems Design DSD Document, Use Cases, User Interface Specification, Report Specifications, Letter Specifications, etc.
• Worked on opportunities to adopt agile process earlier than scheduled and Adhere to Agile Methodologies through entire software development process
• Defined project scopes and created Project Plan utilizing MS Project.
• Conducted pre-work to make the business process as streamlined as possible, by mapping As-Is and To-Be process scenarios
• Worked with risk management tools for mortgage loan servicing, commercial & residential mortgage, and risk analytics.
• Involved in designing screen mockups to specify the User Interface of the Mortgage LOS application.
• Facilitated JAD sessions involving the management, development and user teams for clarifying requirements and facilitating better communication.
• Responsible for the development and maintenance of Business Requirements Document (BRD) consisting of Functional and Non-Functional Requirements.
• Reviewed project artifacts like Requirements Traceability Matrix RTM, Use Case Document, as-is and to-be Process Flow Diagrams, Data Mapping Document, Technical Design Document, Interface Document, Test Plan, User Acceptance Test UAT Document, and Change Management Document.
• Identified potential project risks, based on Independent Verification and Validation IV V of the project effort being led by the prime vendor, and recommend risk mitigation strategies to VDOT.
• Developed User Stories, Use case Documents USD, Business Requirement Document BRD and Functional Requirement Document FRD.
• Adept at writing SQL queries and scripting in PL/SQL Oracle.
• Developed test plans, test cases and test scripts based on the functional specifications.
• Involved in mentoring specific projects in application of the new SDLC based on the Agile Unified Process.
• Involved in creating custom monthly report whole sales and retail banking (First lean mortgage, home equity loans, Auto loans, small business loans and other consumer loans) for different loan services used by the bank.
• Analyzed Mortgage Processing workflow. Developed business process flows, Use Cases, and other documentation for expansion loan servicing, securitization, and trading model while coordinating with Development Team.
• Provided direct technical evaluation of third-party products for inclusion in IAM solutions and define software development processes.
• Updated Procedural Documents for the Business Risk Management Department
• Created project management documentation following SLDC methodology for project planning and reporting.
• Managed SQL RDBMS, ability to read and understand data flow diagrams and ERD.
• Partnered with the business stake holders, process owners, users to identify their requirements, produced detailed specifications, planned the project deliverables with the software development team, defined QA plan, and conducted User Acceptance Testing.