SUMMARY

• Over 8+ years of Senior Business Analysis experience in the banking/financial services industry. Perceive excellent business domain knowledge for financial services, banking, investment management, asset management, wealth management, regulatory reporting business intelligence with data visualization needs.
• Strong analytical skills and expertise with various Project management methodologies and tools, (Waterfall, Agile, and Iterative).
• Proven track record of managing complex, highly technical projects across functions and business lines.
• Ability to balance structure and flexibility, with a drive toward results and accountability.
• Experience including on - site and offshore project management, technology strategic planning and implementation.
• Knowledge of project management tools, methods and best practices such as those defined by the Project
• Experience in developing detailed project management plan and work breakdown structure, executing project work plans and updating them as appropriate to meet changing needs and requirements.
• Strategic and motivated professional with hands-on experience in Service Operations and Wealth Management PMO with knowledge in Waterfall and Agile Software development Life Cycle.
• Grooming the user stories and defining the user acceptance criteria for Base Data management project
• Expert in defining Access Administration (Provisioning, de-provisioning), access enforcements (authentication protocols) and access governance (certification, Logging, and Monitoring) via JAD sessions.
• Working knowledge in spreading financial statements, key performance indicators (KPI) for Bank, NBFI, Financial Markets and Real Sector to produce Credit Risk Rating.
• Worked with the IAM team to develop IAM Roadmap and Release Plan by identifying gaps between the current and future state and identifying initiatives for proposed future state solutions not available in current systems
• Intermediate level of knowledge and experience in prototyping and UI/UX designing using programming languages HTML and CSS.
• Experience in Use Case Analysis, creating Key performance indicators KPI, Enterprise Risk Management, Business Continuity Planning BCP, and Change Management
• Subject matter expertise in Fixed Income, Risk Analysis especially the Custody Application and Corporate action. Good understanding of Equity, Cash management, Capital market, SWIFT, STP and Credit risk, Derivative Securities fundamentals with hands on experience.
• Used JIRA for defect tracking and reviewed them in subsequent iterations of the application development process and facilitated Triage meetings.
• SDLC & Methodologies: Strong end-to- end knowledge of traditional Software Development Life Cycle (SDLC) and Agile methodologies combined with hands-on IT experience.
• Documented requirements for quality assurance test cases, and implemented financial risk systems for Actimize/ ERCM DART front and back office.
• Hands on experience in creating SQL Queries, Stored Procedures, Data modeling, Triggers, Views, Indexes in SQL Server with a strong understanding of data analytics.
• Experienced in Investment Banking projects specialized in Financial Markets, Capital Markets, Wealth Management, and Risk Management.
• Expertise in Sail point lifecycle Manager, Compliance Manager and Access Governance modules.
• Strong organizational and documentation skills, proficient in MS Office Suite (MS Project, Excel, and PowerPoint)
• Able to simultaneously work on multiple tasks and projects in a fast-paced environment.
• Strong Knowledge on Fixed Income, Bonds and Bond Trading Cycle, Equities and Equity Trade Cycle, Derivatives (Options and Futures), Portfolio Management, Wealth Management, and Sales and Marketing.
• Hands on experience in creating variety documents like Business requirement documents, Functional specification, Use cases, User stories, Test Cases, Test Plan, and Change Control documents etc.
• Expert in using Clarity for project management, MS Office 2003/2007 applications (MS Word, MS Excel, MS Access, MS Power Point, MS Project).
• Strong Subject Matter expertise in Credit Card Industry, Retail/Investment Banking, Risk Analysis, Mortgage Loan Origination and Loan Servicing.
• Involved in SWIFT, ISO XML knowledge, RTGS and Bank Application administration and maintenance, specifically on international settlement and banking transaction using SWIFT code system.
• Performed project management activities in the PMO such as progress reports, project status update in Clarity PPM and SharePoint, project planning using Microsoft project
• In-depth knowledge in the Investment Banking Industry, Project Finance, Credit Card Industry, Mortgage Loan Origination, Loan Servicing, Treasury Services ACH, Wire Transfers etc., Brokerage Services, Commercial Banking, Retail Banking, Asset Wealth Management, Liquidity Risk, Cash Management, Capital Market risk and Credit Risk Fundamentals
• Created Narrative Use Cases, Use Case diagrams, Sequence Diagrams, Activity Diagrams, State Diagram, Flow Diagrams and other related UML diagrams.
• Strong hands-on experience in Data Warehousing concepts, Data Mining, DBA tasks like performance tuning and security created ER (Entity relationship Diagrams), Acted as business logic development layer.
• Produce Statement of Work (SOW) to include scope of work, task breakdown, level of effort, duration and costs
• Team player, comfortable working in fast paced, changing environment and ambiguity.
• Exceptional written and verbal communication skills.
• Experience dealing with senior business leaders.
• Extremely experienced financial services and compliance professional with extensive skillsets and expertise, including, but not limited to BSA/AML Regulatory Compliance and Reporting to US FED, OCC, SEC etc.
• Develop high level of subject matter expertise within AML Risk Analytics area and provide solid Business Analysis to the C Executives of Risk Analytics to carry out BAU tasks and Strategic projects within AML/ATF area
• Well-developed leadership, management and strategic-thinking skills, with the ability to excite and guide team members in a highly collaborative.

TECHNICAL SKILLS

Operating Systems: Windows, UNIX

Processes: Scrum, Waterfall, Agile, SAFe, Kanban, XP, Lean

Language: SQL, HTML, XML, Visual Basic Script

Operating Systems: Rational Suite (Requisite Pro, Rose, Clear Quest, Clear Case), MS TFS, MS Visio, MS Project, Microsoft SharePoint, MS Access, MS-Office (Word, Excel, Power Point, Outlook, Adobe Photoshop)

Methodologies: Rational Unified Process, SDLC, Agile, Waterfall Methodology.

Defect Tracking Tools: Rational Clear Quest, Clear Case, Excel

RDBMS: MS Access, SQL Server.

Requirement and Document Tools: Rational Requisite Pro, Rational Clear-Quest, DOORS, VISIO, and MS Project.

Business Modeling Tools: Rational Rose, Enterprise Architect, Visual Paradigm, Microsoft Visio

Domain: Payment processing, General Ledger master accounts, Fixed Asset invoices, Cash balance management, Cash Flow, Intraday Liquidity, Automated Clearing House payments, credit networks, wire transfer

PROFESSIONAL EXPERIENCE

Confidential, New York, NY

Sr. Business Analyst

Responsibilities:

• Interfacing with end users and business owners to examine current work processes and communicating the results to the stakeholders.
• Performed Data Analysis and used SQL queries for Data Mining and Data Validation.
• Conducting JAD sessions with management, SME's, vendors, users and other stakeholders for open and pending issues
• Perform GAP analysis to define gaps between AS-IS and TO-BE processes.
• Hand on Experience of ACH- Fedwire, BillPay, Cards networks, schemes CHIPS, Faster Payments, Swift & system solutions.
• Operating SWIFT messaging service for financial messages, such as letters of credits, payments, and securities transactions, between member banks worldwide.
• Managed the IT Software development of the Treasury & Capital Markets systems, supporting Foreign Currency, Derivatives transactions, fixed income, and payment systems with interfaces to Swift, Chips, and Chap
• Proficient in writing advanced SQL queries with ability to analyze large volumes of data.
• Demonstrating excellent technical writing skills by developing Business Requirements Document (BRD) and Functional Specifications Document (FSD).
• Worked with the LCR (Liquidity Coverage Ratio).
• Responsible for modeling requirements using UML diagrams such as Use cases, Activity diagrams in MS Visio tool.
• Experience in translating client requirements into different tangible deliverables such as functional specifications, user cases, user stories, workflow/process diagrams.
• Experience in business requirements gathering for change request.
• Ability to develop high quality documents and presentations for multiple audiences including business and detailed requirements specifications.
• Excellent writing skills in preparing business requirements documents (BRDs), system requirements specifications (SRS), system design specification (SDS), functional specifications, and defining project plans.
• Defined Business processes, creating & developing user stories, Performing Data Analysis, Data Profiling, Data Migration and Data Integration
• Involved in implementation of ISO 20022 for the financial industry’s preferred standard for new initiatives.
• Assured and controlled quality according to Standard for Financial Services Messaging ISO 20022
• Following and Appling Rational Unified Process (RUP) Methodology in defining the problem, gathering requirements, business modeling and communicating with the technical team for the development of the system.
• Participating in the development and preparation of the Test Plan with the testing team.
• Experience working on projects with blended Waterfall and Agile environments.
• Extensive experience in producing documents like Business Requirements Documents (BRD), Functional Requirement Specifications (FRS), Software Requirement Specifications (SRS).
• Used Rational Quality Manager to develop test plans, develop test cases, run tests and report status.
• Providing overall project management to multiple projects successfully completing them on-schedule and on-budget.
• Has JAD sessions with cross functional teams to understand business process flows and functional interdependencies
• Part of the requirements team and have written User Stories and Product Backlog lists.
• Designing and customizing data models for Data warehouse supporting data from multiple sources
• Administered and coordinated the monthly release cycles
• Conducting interviews with various business users to collect requirement and business process information using MS Visio, Requisite pro.
• Using Agile Development methodology throughout Project Life Cycle.
• Did data analysis, created data mapping and data interface documents and kept the documents updated with changes in requirements and functional specifications.
• Performed Data mapping, data mining, data analysis, logical data modeling, created class diagrams and ER diagrams and used SQL queries to filter data
• Used SQL for data extraction and data analysis, Qlik view dashboards has been made to increase the data visualization
• Working in an Agile/Scrum environment which posed initiating several JAD sessions and active interaction with business and technical teams
• Using RUP approach to fabricate UML diagrams and use case storyboards.
• Providing value added suggestions for process improvement to business partners and end users.

Confidential, Falmouth, ME

Business Analyst

Responsibilities:

• Interacted with the stakeholders to gather user requirements and their expectations from the system
• Reviewed and documented the requirements in Business Requirements Document (BRD), Functional Requirements Documents (FRD), and Frequently Asked Questions (FAQ) and conducted JAD Session.
• Global projects of Anti-Money Laundering (AML), transaction monitoring and Sanctions Screening applications, partner with senior Business Stakeholders and IT teams across Americas, LATAM, EMEA and APAC
• Defined Project Scope and worked with the development team to create User Stories as per requirements.
• Participated in User Acceptance Testing (UAT) and Quality Assurance.
• The project was to develop a Real Time Payments (RTP) transfer to bank in the world and vice versa. The first phase of the project was just to receive payments from any bank in the world.
• Prepare and analyze daily Capital Markets data and reports
• Created and developed models used for Capital Markets activity including bulk purchases, securitizations, and whole loan sale
• Implemented the solution to process both ISO messages and SWIFT payment messages.
• Customer Onboarding Solution included various checks like KYC, OFAC etc. and cross-sell upsell for various products like credit cards, prepaid cards based on Needs Analysis features.
• Conducted User Acceptance Testing (UAT) to ensure all the business requirements have been fulfilled by the application.
• Involved in development phase meetings for Business Analysis and Requirements Gathering.
• Supported rollout iso 20022 pain messages that support payment initiation and customer report delivery.
• Great effort in regression testing the information or data using SQL skills, data governance and carrying data stewardship skills creating data dictionaries.
• Assisted the Internal Audit Analyst for various work-streams within CCAR Audit - e.g. Basel III, Treasury/Liquidity, RWAs, Capital Policy/Planning, and Risk Identification.
• Worked extensively on data mapping and metadata requirements. Wrote SQL queries to test the source to target data
• Assisted the execution of CCAR stress testing framework including gathering requirements of multiple stress scenarios and defining data elements required by stress tests.
• Experience in Anti-Money Laundering (AML), know-your-customer (KYC), customer due diligence (CDD), sanctions and payment screening, AML transaction monitoring, AML Risk assessments, and AML systems tuning and optimization
• Provide advisory and consultative services to financial institutions in addressing Know Your Customer (KYC), Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), Office of Foreign Assets and Control (OFAC), PEP, World check and other compliance
• Ensure investigations and regulatory reporting to regulators and law enforcement are conducted in a manner that maintains the firm’s compliance with the Bank Secrecy Act (BSA), the USA PATRIOT Act, other guidance as published by the SEC, FINRA, FinCEN, FATF, OFAC for U.S. Treasury Department
• Supported CCAR and BASEL data acquisition teams to validate and reconcile data coming from various systems.
• Creating data flow diagrams and data mapping for various processes in the project life cycle.
• Implemented functional and technical designs of reporting systems by working in conjunction with the ETL, Support, BI Reporting and Business teams to ensure alignment with current and future business and IT strategies and opportunities.
• Integrated data from disparate systems to give holistic reporting across Global information solution centre.
• Extensive work experience in Payment’s domain. Worked on Faster Payments BACS, CHAPS, EDIFACT, SEPA Direct Debit and SEPA Credit Transfer. Extensive work experience on SWIFT 1,2,9 & SEPA messaging formats (ISO2022).
• Worked with SME and Tech leads to gather the data regarding the Capital Markets and Asset Management.
• Prepared, analyzed AS IS and TO BE of existing architecture and performed GAP Analysis, created workflow scenarios, designed new process flows and documented the Business Process and various Business Process and various Business Scenarios and activities of the business from the conceptual to procedural level.
• Hands on experience on funds transfer application including the messaging system like SWIFT and FIX protocol. CHIPS and Fedwire.
• Mapping the Payments engine with Confidential ’s High-performance Banking for Payments.
• Implementation is for the following payment schemes - SEPA Direct Debit and SEPA credit transfer.
• Helped the client for the transformation from the banks legacy payments processing engine with the Global Pay plus (GPP) engine.
• Planned and defined Use Cases created Use Case diagrams, Scenarios and Use Case Narratives using the UML methodologies.
• Enhanced the existing online banking application by improving its GUI, making it more users friendly.
• Managed user stories and conducted Scrum Ceremonies throughout the product development life cycle.
• Played active role in file transferring and file processing from mortgage to banking Division.
• Ensured that the modifications suggested by the users were incorporated into the Application.
• Facilitated Joint Application Development (JAD) requirements gathering sessions.
• Performed GAP analysis and SWOT Analysis.

Confidential, Green Bay, WI

Business Analyst

Responsibilities:

• Created MS-Visio diagrams to depict the “AS-IS” workflow of the system in place.
• Worked with enterprise architects to create the “to-be” workflow.
• Provide AML guidance, advice and risk-based solutions to complex regional business issues/initiatives involving the Country/LOB's products range
• Constant interaction with Capital Market business users for job shadowing, understanding certain issues which I need to deal with for completing Proof of Concept and BRD.
• Participate in TM Model validation activities including product coverage, data quality validation, model effectiveness, rules logic, false positives analysis, increased identification of suspicious activities, thresholds tuning and other activities for effective risk analytics
• Attend regular AML training on Firm's policies and procedures to AML Tech in line with Regional and Global AML Programs
• Experience in developing Test Plan and Test Cases as per the business process requirements to match the functionality
• Understood and interpreting requirement specifications and Mapping Business Process using BPM.
• Gathered data and prepared forecasts and budgets for different regional locations using Excel.
• Excellent understanding of EFT system (such as ACH, Fed Wire, BACS, CHIPS, FIX, SMAC, Automated Cash management and Prime Brokerage). Knowledge of Online Banking and the whole Fund Transfer process.
• Review SWIFT files on a daily basis and Processing Swift payment.
• Performed Data Analysis and used SQL queries for Data Mining and Data Validation.
• Run SQL queries from multiple databases (data warehouse) for research, data integrity, and validation provide Adhoc reports to investment, accounting, and risk and compliance groups.
• Elicited meetings on credit card application process and payments.
• Analyzed process for handling banking process execution exceptions Resolved process flaws by sending midday and EOD CRD trade files via Swift 1,2,9 messaging, which resulted in a 30% reduction of next day exceptions and reconciliations thereby saving time and cost for firm
• Experienced in working extensively as an analyst in a Business Intelligence and Data Warehouse environment.
• Analyzed user stories and separate them into high level and low level and prepared product backlog working with product owner and other SME as well as prioritized user stories and assigned to different sprints.
• Translate stakeholder requirements into deliverables such as functional specifications, use cases, user stories, workflow/process diagrams, data flow/data model diagrams.
• Responsible for creating the User stories with acceptance criteria for all the feature list.
• Advise product owners, scrum masters and teams to improve their ability to create good product backlogs.
• Observed and implemented mortgage originations, servicing, loss mitigations and loan modifications
• Obtained and verified financial information, such as applicant’s credit rating and income level.
• Analyzed and evaluated applicant’s finances to decide if applicant qualifies for a loan.
• Communicated directly with mortgage banker, customers, agents and attorneys to achieve an ideal customer experience
• Prepared and reviewed of closing documents for purchases, refinances and construction loans.
• Implemented of recommendations from Basel Committee on banking supervision on IT projects for Credit Risk, Operational Risk and Market Risk in line with Basel II.
• Support the SWIFT interfacing team
• Experienced working with Data warehousing.
• Worked with the ERP tool and creates the test cases, test scripts and perform user acceptance testing.

Confidential, Fulton, MD

Business Analyst

Responsibilities:

• Worked with Release Management, PMO, Executive Management, along with managers/staff in Development, ETT, UAT, Core Business and other areas, to plan, delivers, and track testing progress.
• Worked closely with the creation and generation of reports.
• Identified different risks such as credit risk (default risk), prepayment risk, inflation risk, and market risk. Project requirements for cash management practices adhered to accounting principles or GAAP and IFRS.
• Worked with risk management tools for mortgage loan servicing, commercial & residential mortgage, and risk analytics for MBS.
• Determined functional requirements through conducting user interviews and created business requirement document (BRD) and traceability matrix, and thus develop standardization of processes.
• Maintaining the Documentation of Business process.
• Closely work with multiple projects.
• Identified the areas for improvement by reviewing and analyzing the existing online portal systems.
• Gather requirements by conducting meetings and brainstorming sessions with end users and SME.
• Assisted senior business analysts in performing GAP analysis and documenting the Business Requirements. Functional Requirements and Non-Functional Requirements into Business Requirement Documents (BRDs) and Functional Requirement Documents (FRDs).
• Designed and developed Use Cases, Sequence and Activity Diagrams using UML.
• Created wireframes and prototypes of the new web interfaces to communicate development ideas to the business users and the management teams.
• Worked closely with UI design and development team to ensure viability of new features and ensure proper functionalities of the complete system.
• Created and maintained Meeting Minutes/Issues Log and ensured timely resolution of all items.
• Created UAT Test cases and assisted senior business analysts in conducting UAT tests.
• Created class diagram, sequence diagram, and collaboration diagram using MS Visio.
• Supported development team in unit testing by providing testing data during User Acceptance Testing (UAT) phase.