SUMMARY

• 8+ Years Professional Experience as Business Analyst with strong knowledge in Banking, Retail Banking and Finance.
• Strong knowledge of Software Development Life Cycle (SDLC) models (Agile, SCRUM, Waterfall, Spiral Model), Iterative Models (RUP - Rational Unified Process).
• Extensive experience in interacting with customers and Subject Matter Experts (SME) to gather and document business requirements across multiple business process areas.
• Strong experience in coordinating Joint Application Development (JAD) sessions and interviews.
• Extensive experience in documenting Business Requirement Documents (BRD), Functional Requirement Documents (FRD), User Manuals, Unified Modeling Language (UML) diagrams (Use Case, Use Case Stories, and Diagrams, Activity Diagrams, and Sequence Diagrams), and validation of requirements.
• Exceptional Analytical skills to understand the business process and functionality, requirements and translate them to system requirement specifications.
• Experienced in conducting GAP Analysis, Cost benefit analysis and ROI analysis.
• Experienced in Finance industry, Credit Card, Investment Banking (GL, Personal Accounts, Check payment, ATM, Fraud - AML) and Mortgage industries.
• Strong Understanding of different mortgage instruments like Mortgage Backed Securities MBS, Collateralized Mortgage Obligations CMO, Asset Backed Securities ABS, including the tranche structuring and credit enhancement processes to manage prepayment and credit risk.
• Strong knowledge of Credit Approval System and Investment banking (Stock exchange, fixed income, equities, options/futures, trading operations, mutual funds etc.).
• Knowledge in the different banking systems, financial modeling, financial statement analysis, operations and the guiding compliance and regulations that support finance and/or core banking functions.
• Strong understanding of Credit Loans, Auto Loans, Commercial Loans, Home Loans, Investment banking.
• Strong knowledge of Dodd Frank, Charles River Investment Management System (CRIMS) and CALYPSO OTC.
• 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.
• Solid understanding and knowledge of Equities, Derivatives (Futures, Options, Forwards, Swaps), and Regulatory Reporting (FRY9C, CCAR, FR2420, FFIEC Report) FFIEC, RWA, Risk Analysis.
• Good experience on Online Banking, Retail Banking, E-Commerce, Online Transaction Processing and Electronic Fund Transfer.
• Experienced working in projects including Credit cards/Gift cards test, Enterprise Payment Foundation, IWM (Integrated Workforce Management)
• Excellent knowledge in Corporate Finance, Wealth Management, Derivative products such as Options and Futures, Swaps and Swap Options involving Credit and Interest rate and other OTC derivatives, Fixed Income, Trade Life Cycle, OMS (Order Management Systems), FIX protocol, Section 508.
• 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.
• Sound knowledge with investment banking regulatory reporting regulations like Basel II Accord.
• Experienced in Cards Payment processing and Retail Banking operations like Customer Relationship Management (CRM) and Enterprise Teller (ET).
• Proficient in evaluating SQL queries for data extraction, Data mapping, analysis, and validation, generating user reports and proficient knowledge of Relational Database Management Systems (RDBMS), and Data Warehousing.
• Experienced with Data Analysis using Excel and SQL as the querying interface. Excellent working experience with SQL Server.
• Good knowledge of identifying various test scenarios. Holds strong ability to handle multiple tasks and prioritize it.
• Expert in using Microsoft Office applications for day-to-day activities - Microsoft Word for documentation, Microsoft PowerPoint for presentation, Microsoft Visio for drawing flow diagrams, Microsoft Excel for data presentation and Microsoft Project for prioritizing and managing individual tasks.
• Excellent experience in performing RTM Test Matrix and GAP analysis to check the compatibility of the existing system infrastructure with new business requirements.
• Experienced in implementing basic SQL queries for QA testing and report / data validation.
• Expertise in designing and developing Test Plans and Test Scripts.
• Experienced in preparing and documenting User Acceptance Test (UAT) plan and obtaining the necessary signoffs from the concerned business units.

PROFESSIONAL EXPERIENCE

Confidential - Chicago, IL

Sr. Business Analyst

Responsibilities:

• Worked with key project stakeholders and business partners to plan and convey business vision for capital projects.
• Participated in review and analysis of business requirements, adding additional cases as needed, insuring they are complete and testable.
• Worked in Agile development environment and guided the team to document epic and stories and requirement maintenance using tools like JIRA and Confluence.
• Translated business requirements into functional requirements and prepared an extensive project plan to reduce inter-company transactions in equity derivatives and foreign exchange trades.
• Regularly holding sessions with Lines of Business (LOB) to document, implement and maintain the metadata and business rules for the bank's data, beginning with the data required for CCAR.
• Worked on various Online Banking projects like set up Check Payment, Browser variations, Keep the Change, Online Banking mail communication with live customers, Authentication flow, Alert mails to Customers etc.
• Defined various processes for Banking Domain such as Account Opening for Savings Bank, Current Account, Term Deposits, Insurance products, Bill Pay Services etc.
• Created User Stories for Web Service API's needed to address the new UX flow. Defined the data elements for the API's in the functional specs document.
• Provide tactical, strategic systematic and manual solutions to ensure all modules on Client On-Boarding, Withholding and Tax -reporting are FATCA compliant.
• Worked on the credit approval system that was responsible for granting credit approval for loans.
• Worked on various Online Banking projects like set up Check Payment, Browser variations, Keep the Change, Online Banking mail communication with live customers, Authentication flow, Alert mails to Customers etc.
• Support the assessment of CCAR IHC report preparation environment.
• Prepared the CCAR reporting schedules (FRY 14A/Q) on certain periodic basis.
• Involved in identifying AML/KYC norms for specific country and created configuration templates for daily investigating/monitoring of alerts on all transactions based on threshold for Actimize department.
• Created process documentation and flows for the business units by working closely with individual teams to determine a strategy and implemented the core documents into a central Share point repository.
• Utilized Commercial Lending banking application and was responsible for the design and process flow of the system.
• Created and updated LOB end-user system documents.
• Closely collaborate with development team to architect best practices for API platforms.
• Assisted managers and Analyst to script the Business Plan to analyze portfolio risk-reward ratios, evaluate completeness and accuracy in firm's financial information and advice on short or long-run investment strategies.
• Used MS SharePoint for the purpose of managing documents and for hosting websites which was used to access shared work spaces and documents.
• Tracked and maintained Stakeholder requested enhancements and changes using Requirement Traceability Matrix (RTM).
• Involved in coordinating with the database design team, using SQL to Query databases and providing inputs in finalizing the data model, report layouts.
• Generated data mapping documents from production databases to the warehouse.
• Reviewed test cases written by QA team and ensured all the functionalities are being tested thoroughly.
• Worked with the QA team on defining QA process and overlooked the entire QA process.
• Extensively used JIRA to track defects and project activities.
• Produced clear user manuals & training guides for User Acceptance Testing (UAT) and deployment for end-clients with step-by-step instructions and appropriate GUI screenshots.

Confidential - Plano, TX

Business Analyst

Responsibilities:

• Designed the business requirement collection approach based on the project scope and SDLC methodology.
• Conducted meeting sessions with committee of SMEs from various business areas including Loan Monitoring and Marketing.
• Excellent Knowledge of Customer Segmentation, Portfolio Analysis/Mgmt, FDR processes and FICO Score generation.
• Conducted interviews with key business users to collect requirement and business process information.
• Conducted a budget planning of the project through walkthroughs and meetings involving various leads from Development, QA and Technical Support teams.
• Analyze business requirements and segregated them into Use Cases and activity diagrams using Rational Rose according to UML methodology thus defining the Data Process Models.
• Analyzed and translated business requirements into system specifications utilizing UML.
• Co-ordinated with documenting processes used agile methodology to write the Business Requirements documents and designed Functional specifications.
• Managing Identity & Access Management (IAM) tool training for application managers as part of the on boarding process for the GIS program, critical for business audit/compliance to address enterprise governance inquiries.
• Created Project Initiation Document (PID) and defined the scope for an over-arching Basel II Readiness project, to encompass all other Basel II projects within the enterprise.
• Collaborated with Basel II team on credit risk analysis and issue resolution.
• Communicated the implementation of the new calculation framework of Risk Weight Asset under Basel II.
• Reviewed business requirements document for ACH (automatic clearing house) through interviews, surveys, prototyping and observing from senior managers and UI (User Interfellace).
• Worked on various Online Banking projects like set up Check Payment, Browser variations, Keep the Change, Online Banking mail communication with live customers, Authentication flow, Alert mails to Customers etc.
• Conduct training on Endur modules Front Office, Middle Office, Back Office & Operations for commodities trading, risk, supply & distribution and Treasury Management.
• Gathered knowledge on Home Loans Point of Sale and LoanOrigination system, Product guidelines - Conventional, FHA, VA, Underwriting guidelines, Interfaces like Ernst Fees, Fraud Guard, Flood, Mortgage Insurance, SDX, Wolters Kluwer (WKFS).
• Created requirements analysis and design phase artifacts using, MS Visio to create DFDs, ER diagrams, Use Case, Activity/State chart, Sequence, Collaboration and Deployment Diagrams.
• Successfully used Agile/Scrum Method for gathering requirements and facilitated user stories workshop.
• Documented User Stories and facilitated Story Point discussions to analyze the level of effort on project specifications.
• Involved throughout the development process and verifying adherence using the requirements Traceability Matrix (RTM).
• Created Data Stage jobs to extract, transform and load data into data warehouses from various sources like relational databases, application systems, temp tables, flat files etc.
• Created Use Case specifications, flow diagrams, for a clearer understanding of the business process with possible alternate scenarios for the business team and the developer.
• Worked on queries database using SQL.
• Worked with data quality governance teams to ensure each work-stream and project within the Basel II framework adhered to strict data quality and maintenance standards.
• Provided end user production support for Empower LOS trouble shooting issues and writing up defects (Underwriting Lead).
• Prepared Test plans which include an introduction, various test strategies, test schedules, QA team’s role, test deliverables, etc.
• Worked with development team and customized batch and real-time client interfaces supporting Money Transfer, Automated Clearing House (ACH) and credit card processing.
• Wrote User Acceptance Test Plan based on business users’ requirements and reviewed Test Plan templates.
• Delivered and maintained extensive documentation for future extendibility of the system.

Confidential - Chicago, IL

Business Analyst

Responsibilities:

• Working with clients to better understand their needs and present solutions using structured SDLC approach.
• Gathered user and business requirements through open-ended discussions, brainstorming sessions and role-playing.
• Documented the user requirements Analyzed and prioritized them and converted them as system requirements that must be included while developing the software.
• Facilitated JAD sessions with management, development team, users and other stakeholders to refine functional requirements.
• Created and managed project templates, use case templates, requirement types and tractability matrix in Requisite Pro.
• Worked on Development and Support activities like Acquisition, Delivery, Crystallization, Synchronization, and Workflow etc., which involved creating new consolidation rules using formula engine language.
• Worked on enabling automated transfer by enhancing flexibility, and straight - through processing (STP) of payment initiation, clearing and settlement transactions using ACH, wires, and/or checks by aligning the ISO 20022 XML messaging standard with Automated Clearing House formats (CCD, PPD, CTX) and SWIFT MT standards (MT103, MT202).
• Build and customized the loan IQ feed for Treasury downstream and also a reverse feed from treasury to capture the Money cost rates and currency conversion rates.
• Was part of a major team in application solutions for new product development i.e., Hedge Fund, Exchange Traded Funds, home loan portfolios; including administration, operations, compliance, client facing analysis and reporting.
• Interacted with Loan IQ operations individual for creating various transactional reports which capture cash flow transactions, reprising frequencies and index.
• Coordinated with different agencies in tracking the progress of the software development and resolving the issues and worked with the UI team to create the User Interface Mock-ups to be presented to the Business.
• Performed Data Validations and Data checks for RWA calculations or leveraging output from the RWA calculations.
• Involved in the creating the User Interface Specification Document and User Training Manual as per project specification with the help of development team.
• Enhanced procedures and controls throughout the accounting department, processing journal entries and performing accounting corrections to ensure accurate records.
• Created Activity Diagrams, Sequence Diagrams and ER Diagrams in MS Visio. Tracked change requests and monitored workload and schedule.
• Used Castor to create objects from XML documents. Involved in Logical & Physical Data Modeling.
• Authored progress and completion report which were then submitted to project management on a weekly basis in MS project.
• Interacted extensively with customers and UI designers to determine ways to improve the UI feel and the user experiences.
• Created job schedules to automate the ETL process.
• Conducted JAD sessions with management, SME, users and other stakeholders for open and pending issues.
• Using Shared Containers and creating reusable components for local and shared use in the ETL process.
• Helped with data modeling and defining the conceptual and logical model of the data warehouse
• Identified various frequently used modules with in the application as well as the peak user volume for load testing purposes.
• Utilized JIRA to communicate constantly changing functional and design requirements with business users and developers.
• 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 User Acceptance Testing.
• 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.
• Comprehensive experience in writing Test Plans, Test Cases and Test Scripts.
• Collaborated with Quality Assurance Analyst in manual testing.
• Helped in creating end user manuals and procedure manuals.

Confidential - Jersey City, NJ

Business Analyst

Responsibilities:

• Involved in meeting sessions with committee of SMEs from various business areas including Mortgage Servicing, Loan Monitoring and Asset Management.
• Gathered Business requirements pertaining to Trading, equities and Fixed Incomes like bonds, converted the same into functional requirements by implementing the RUP methodology and authored the same in Business Requirement Document (BRD).
• Performed analysis and assessment of business needs and cross system impacts and developed procedures for Mortgage servicing processes.
• Involved in the assessment of commercial lending industry operations, service delivery, procedures and technology trends by evaluating origination processes, financial information, loan applications, data flow diagrams and IT capabilities.
• Provide detailed data mapping between Loan IQ and other core applications.
• Created Process Flow diagrams, Use Case Diagrams, Class Diagrams and Interaction Diagrams using Microsoft Visio and Rational Rose. Assigned for UAT testing of Loan IQ application.
• Review and approve Business Requirement Documents for customization efforts of the new LOS to ensure all business functions are available in the future state.
• Documented the gathered business requirements into detailed Business Requirement Documents (BRDs) for BASEL II and its Addendum.
• Facilitated mortgage loan securitization as liaison between cross-functional departments and vendors.
• Helped development team build logic for applying factor for pay down fixed income securities such as Mortgage-Backed Security (MBS), and ABS (Asset Based Securities).
• Identified areas for potential process improvements using business process management (BPM) to systematically define current activities, including timing and resources, creating project work schedules and operational objectives.
• Compare current reports against new LOS functionality to identify reports that can be retired due to new system integrated workflow processes.
• Responsible for requesting and recording fee and cost data from various attorneys as it relates to Loan Modifications, Foreclosure Payoffs, Debt Calculations, and Reinstatements.
• Evaluated credit decisions for accuracy based upon established risk parameters and in accordance with policy, program and product guidelines.
• Involved in Analyzing, manipulating and updating Database using SQL.
• Worked with SQL queries using MS Access for data manipulations
• Modelled fair value of equity derivatives including index futures, index futures, synthetic futures, interest rate futures, in markets such as EFP and electronic program trading markets.
• Utilized JIRA to communicate constantly changing functional and design requirements with business users and developers.
• Perform QA tests on loans with a high level of accuracy for Loan Administration, Property Preservation, Lien Release, and ARM as well as many others.

Confidential, Columbus, OH

Business Analyst

Responsibilities:

• Conducted JAD with SMEs and developers to get a better understanding of functionality of different tools.
• Responsible for managing requirements from Global Business & Risk Management users.
• Responsible for managing multiple modules within Commercial Banking application which provides end to end Credit Lending Solution along with Credit Risk Management.
• Coordinated with UI and UX design, dev and client teams periodically conducted project review meetings.
• Reviewed, documented and recommended approvals, declines and/or escalations reported to senior management and lines of business.
• Worked closely with the User Interface team to model the Web Screens, which met User defined requirements and also company standards.
• Documented Retail Deposit-related KYC processes and Procedures, identification/disposition of higher risk customers, and maintained within Actimize the list of the deposits of high risk customer.
• Involved in RUP Business Modeling process. Worked extensively on creating and updating Use Case Diagrams, State Diagrams, Activity Diagrams and technical designs (UI screen) using Microsoft Visio as part of reconciliation process.
• Constantly partnered with project leads to ensure the team is producing solutions that meet established standards, procedures, practices, address issues, risks, and mitigation plans.
• Responsible for understanding Credit policies and its impact on credit lending process.
• Documented credit risk ratings management process and risk models based on Compliance & Regulatory Policies.
• Researched customer account information in terms of debit, credit, and investments (fixed income, mutual funds, equities, etc.)
• Used the Agile methodology during the whole SDLC, facilitated daily scrum meeting and ensure the integrity of the agile process.
• Conducted a comprehensive use case analysis to determine key features of the tools.
• Documented business requirements into Functional Requirement Document (FRD) that included Functional Requirements, Data Requirements and System Requirements.